The "Le Kang Worry-Free" refundable hospitalization medical security plan has dual functions of insurance protection and premium refund. Is it cost-effective to briefly introduce the return insurance in Shenyang social endowment insurance? I just sorted out the relevant contents, hoping to help you: What's the difference between consumer insurance, savings insurance and return insurance? Which is better?
Generally speaking, the social endowment insurance refers to the basic social endowment insurance, which is one of the five major social insurances stipulated in the Social Insurance Law. The social basic old-age insurance in Shenyang refers to a kind of social insurance, which is paid by the employer and individual employees before retirement to ensure the basic living expenses of employees after retirement. This is compulsory insurance.
Payment standard of social endowment insurance in Shenyang
The so-called payment standard of social endowment insurance refers to the payment base and proportion of social endowment insurance. According to the Social Insurance Law and the regulations of Shenyang Municipal Bureau of Human Resources and Social Security, from July 1 day, 2007, the payment base of social basic old-age insurance in Shenyang will be the average salary of employees in the previous year, and the Bureau of Human Resources and Social Security will announce the average salary of employees in the new social insurance payment year (July to June of the following year). According to the documents published by the Social Pension and Work Injury Administration under the Shenyang Municipal Bureau of Human Resources and Social Security, the average wage of employees in Shenyang in 20 12 was 4 158.33 yuan, which means that the contribution base of social pension insurance in Shenyang from July 20 13 to June 20 158.33 was 4/kloc-0. For flexible employees, due to the difficulty of payment for some employees, Shenyang has set the payment base as five grades, and the insured can choose freely. The first gear is 100% of the average salary of employees on the job, the second gear is 90%, the third gear is 80%, the fourth gear is 70%, and the fifth gear is 60%.
Another aspect of the payment standard is the payment ratio. According to the relevant regulations, the proportion of employees' contributions to social basic old-age insurance in Shenyang is 20% for employers and 8% for individuals, and all individual contributions are included in personal accounts; For flexible employees, the payment ratio is 20%, of which 12% is included in the social pooling account and 8% is included in the personal account.
Shenyang social endowment insurance benefits
Knowing the payment standard, you can understand your most concerned pension insurance benefits. According to the Social Insurance Law and the relevant regulations of Shenyang Municipal Government, social endowment insurance in Shenyang consists of overall pension and individual account pension. At the same time, the social pension is determined according to the accumulated payment period of individuals, the payment base, the average salary of local employees, the amount of personal accounts, the average life expectancy of urban population and other factors, and will be raised in a timely manner every year according to the average salary increase of employees and the price increase. However, after the insured has paid 15 years or more and reached the retirement age (55 years for ordinary women and 60 years for men), they can receive it on a monthly basis.
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