Social insurance plays an important role in our lives. As one of the five major social security, endowment insurance is related to everyone's future life security. However, many people still have many misunderstandings and confusions about the relevant policies of pension insurance. The Ministry of Human Resources and Social Security has responded to several questions related to pension insurance through its official public account, let's take a look.
01
Pension insurance discontinuation,
Zero treatment? Expired and invalidated?
There is a general concern about people who have suspended their pension contributions for various reasons.
In this regard, the Ministry of Human Resources and Social Security responded, don't worry. Even if there is a disruption in pension contributions, the enrollee's records will still be retained and will not be erased.
The social security agency will maintain your basic pension insurance relationship and will also keep a record of all your contributions. Interest will continue to accrue on the balance in your personal account, and any previous premiums paid will be valid. If the cumulative contribution period reaches 15 years and the retirement age prescribed by the state is reached, the basic pension can be received every month.
It is important to note that a long period of non-payment will result in a reduction in the amount of pension you actually receive and may delay the time you will receive your pension.
02
Pension insurance has been paid for 15 years
Can you retire and wait for the money to be collected?
According to the Social Insurance Law, once a person participates in the basic retirement insurance, when he reaches the retirement age set by the State, he or she can receive a basic pension every month as long as the accumulated contributions have reached 15 years.
For in-service employees, after 15 years of social insurance contributions, the employer must continue to pay insurance premiums for the employees until the employees meet the conditions for receiving benefits, complete the retirement procedures and start receiving the basic pension.
For flexible employees, they are free to choose whether to continue to pay, but it is recommended not to interrupt the payment, because the pension insurance has the principle of "pay more, pay more, pay more", the higher the level of payment, the longer the payment period, the more pension will be received in the future. Therefore, it is necessary to consider carefully in the choice and not to stop paying the fee easily.
03
I am not employed in the unit, how to participate
What about the pension insurance for urban workers?
So, if I lose my job or leave the company, how can I re-enroll in the urban employee pension insurance?
The answer is that you can participate in the pension insurance of the company's employees through the status of a flexible employee. As long as you bring your ID card (or resident card) and social security card and other relevant documents, you can go through the insurance procedures at the social security agency in your place of residence or employment.
In addition, the required procedures can also be easily completed through the national social security public service platform, electronic social security card application and other ways.
As a flexible worker, you also have the privilege of being able to choose the base and tier of your contributions.
According to the regulations, you can choose an appropriate contribution basis between 60% and 300% of the total average salary of employees in urban units in the province and pay at a rate of 20%. Payment methods are flexible, including monthly, quarterly, semi-annual or annual.
Of course, no matter which way you choose, as long as you have a higher level of contribution and a longer number of years of contributions, you will receive a relatively more pension in the future.
04
The pension insurance has not been paid for enough years
Can I make a lump sum payment?
One-time payment: It may or may not work, depending on the situation
If you participate in the pension insurance for urban employees, when you reach retirement age, the cumulative contribution is less than 15 years, you can extend the payment to 15 years.
If you have been paying premiums since before the implementation of the Social Insurance Law on July 1, 2011, you can make a lump sum payment until you have accumulated 15 years, even if you have not yet completed the required number of years after 5 years of deferred payment.
If you participate in the pension insurance for urban and rural residents, you need to clarify the following three situations:
Situation 1: For those who have reached the age of 60 when the urban and rural residents' pension insurance system has been implemented in their place of household registration, and have not yet received the basic old-age security stipulated by the state, they can start to receive the old-age insurance pension for urban and rural residents on a monthly basis without paying insurance premiums.
Scenario 2: If you are less than 15 years away from the standard age of 60 at the beginning of the system, you will need to pay annual contributions until you are 60 years old. At the same time, you can also choose to make a catch-up payment, but the total payment period cannot exceed 15 years.
Situation 3: If you are more than 15 years away from the prescribed age of 60 years old when the system is implemented, you should pay the annual premium, and the cumulative contribution is not less than 15 years before you can receive the pension.
05
So, how do you count yourself in retirement
How much pension can I get?
In order to give you a relatively accurate expectation of your future pension, you can enter the necessary information through the national social security public service platform to arrive at the estimated pension amount.
Through this tool, you can plan your future life in advance, and you can also adjust your payment strategy according to the calculation results, so that your future retirement life is more in line with your expectations.
Write at the end
Pension insurance is an important guarantee for everyone's stable life after retirement. Although we may encounter various problems in work and life, such as the interruption of contributions, flexible employment without unit insurance, and unclear how to make up the payment, as long as we understand and master the relevant policies and operating procedures, we can deal with these problems smoothly.