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Social insurance can be said to be one of the most distinctive welfare policies in China. The most obvious impact on the length of social security contributions is pension insurance and medical insurance. Let's talk about pension insurance first, pension insurance is to pay money first and receive a pension after retirement.
The principle of receiving pensions is "pay more, get more". After 15 years of cumulative contributions, you can only apply for retirement and receive a pension, but the specific amount of money you receive is related to the time of payment.
According to your situation analysis, you have paid social security at home for six years, and you have paid social security for nine years when you work in your city, although the total is just over 15 years. However, the social security you pay at home is paid as a flexible employee, while at the company you work as an urban employee. Therefore, when you reach the age of 60, you must have paid for 15 years in any of your identities before you can go through the retirement procedures in your city.
You must make up the remaining six years of social security contributions for urban employees, or transfer the social security account paid by freelancers to the social security account of urban employees. Only in this way can you go through the retirement procedures in the city where you live, otherwise you can only go back to your place of residence to go through the retirement procedures.
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If you pay in one place without breaking off the relationship halfway, you can theoretically get a pension.
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You can receive a pension after 15 years of pension insurance contributions until you reach retirement age.
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You'll be retired at sixty, and you can get it, don't worry.
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This depends on the social security policy at the time, if the retirement age of men does not rise, then you can retire at the age of 60, if it rises, then you should not be able to delay it for long.
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The existing retirement policy can enjoy retirement benefits, and the retirement age will be met before the official implementation of the retirement policy to be implemented by the state to postpone the retirement to the age of 65. The society is developing, and with the need to constantly update various policies, all obey and cooperate with national laws and regulations.
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Summary. Dear, hello, I'm glad to ask you this question <> about the pension that has been paid in the unit for fifteen years and can you get a pension at the age of sixty: dear, this is okay. As long as you have paid for 15 years, you can go through the retirement procedures after the age of 60 and then receive a pension every month.
Can I get a pension when I pay a pension for 15 years at the age of 60?
Dear, hello, I'm glad to ask you this question <> about the pension that has been paid in the unit for fifteen years and can you get a pension at the age of sixty: dear, this is okay. As long as you have paid for 15 years, you can go through the retirement procedures after the age of 60 and then receive a pension every month.
Supplement: Choose a place to retire as much as possible in first-tier cities, so that the pension in first-tier cities will be more, because the average salary is high. That's what the current policy is.
However, the future policy may also extend the payment of pension insurance, that is to say, the cumulative payment period may be longer after 15 years, so it is necessary to pay as much as possible. In case there is a change in the policy in the future, it will be more troublesome if the number of years is not enough. Therefore, it is necessary to pay more and pay for a long time in case there are changes in the future.
If you have more money, then you can also participate in supplementary pension insurance, which can supplement the deficiency of basic pension insurance.
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Summary. Hello dear, happy to answer your <>
At the age of 65, the enterprise pension has only been paid for ten years, and it can be extended for 5 years, that is, after the extension is over, to apply for a few years of supplementary payment, and then retire. <>
What should I do if I have only paid a corporate pension for ten years at the age of 65?
Hello dear, I am happy to answer the <> of [flowers with Hu canopy].
At the age of 65, if the enterprise is stupid, the old pension will only be paid for ten years, and it can be postponed for 5 years, that is, after the extension is over, apply for a few years of supplementary payment, and then handle retirement. <>
Legal analysis: If the pension insurance is less than 15 years old at the age of 65, the methods are as follows: 1. It is to delay the retirement and continue to pay the balance of the fee, you can pay until the full fifteen years, and receive the basic pension on a monthly basis, but this situation is generally applicable to people who are relatively short from the payment of 15 years; 2. It can also be transferred to the new rural social endowment insurance or urban residents' social endowment insurance, and enjoy the corresponding endowment insurance treatment in accordance with the regulations.
Legal basis: Article 16 of the Social Insurance Law of the People's Republic of China provides that individuals who participate in the basic endowment insurance and have paid contributions for 15 years when they reach the statutory retirement age shall receive the basic pension on a monthly basis. Individuals who participate in the basic endowment insurance and have paid contributions for less than 15 years when they reach the statutory retirement age can pay until the end of the 15th year and receive the basic pension on a monthly basis; It can also be transferred to the new rural social endowment insurance or urban residents' social endowment insurance, and enjoy the corresponding pension and demolition insurance benefits in accordance with the regulations.
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Hello, I am happy to answer for you, 60 years old in the unit to pay a pension for 10 years, 61 years old to pay a pension for a year to go back to the rural pension, is able to return, the detailed answer and legal basis is as follows: if the payment is urban employee pension insurance, need to meet three special circumstances, in order to be able to liquidate. The first is that they have not reached the legal age and have not reached 15 years of contributions.
At this time, if you want to apply for a refund, the social security department will refund the accumulated total amount of the personal account to the person in a lump sum. The second situation is that if the insured unfortunately dies before retirement, the accumulated balance of the personal pension account can also be liquidated at one time. It is worth mentioning that this part can be inherited by the heirs, that is, by the legal heirs.
The third situation is that you have passed away after retirement, but the amount in your personal account has not been fully collected. If this happens, the balance in the pension personal account can also be liquidated at one time and collected by the legal heirs. However, it is necessary to remind everyone here that the fees paid by social security are managed by two accounts, that is, individual accounts and pooled accounts.
Although as long as the conditions are met, you can apply for a refund of pension insurance, but the money that can be withdrawn is only the money in the personal account. The money in the pooled account cannot be withdrawn. And when we pay endowment insurance, in fact, most of the money is classified into the overall plan.
Like the insured people who pay the pension insurance for urban workers, they should know that the proportion of pension insurance is 20%, of which 12% are included in the overall planning, and only 8% enter the personal account, that is to say, the balance of the personal account that can be cleared is only a small part. Maybe many people have paid for a few years, and the withdrawal money is only a few hundred yuan. Therefore, if there are no special circumstances, it is recommended that you do not carry out a one-time refund of pension insurance.
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Summary. Dear, I am glad to answer for you: (1) If you choose to liquidate your personal account for pension insurance when you leave your job, you can return the cumulative amount of your personal account (personal payment part and interest) to me at one time, and at the same time the payment record will be cleared, and then it will be treated as a new insurance and the payment period will be recalculated.
2) Under normal circumstances, urban hukou cannot be liquidated. Only the following three special circumstances can be liquidated: 1. If you reach the statutory retirement age and have not reached the cumulative payment for 15 years, you can apply for a one-time liquidation of the cumulative amount of the pension insurance personal account and return it to you.
Second, if unfortunately passed away before retirement, the cumulative amount of the pension insurance personal account can be liquidated at one time. This part is inheritable, i.e. it is claimed by the legal heirs. 3. If the amount of his personal account has not been fully withdrawn after retirement, the balance can be liquidated at one time and collected by the legal heirs.
Dear, I am glad to answer for you: (1) If you choose to liquidate your pension insurance personal account when you leave your job, you can return the cumulative amount of your personal account (personal payment part and interest) to your first burn at one time, and at the same time the payment record will be cleared, and then it will be processed according to the new insurance, and the payment period will be recalculated. (2) In general, the urban household registration cannot be liquidated under the number of celery.
Only the following three special circumstances can be liquidated: 1. If you reach the statutory retirement age and have not reached the cumulative payment for 15 years, you can apply for a one-time liquidation of the cumulative amount of the pension insurance personal account and return it to you. Second, if unfortunately passed away before retirement, the cumulative amount of the pension insurance personal account can be liquidated at one time.
This part is inheritable, i.e. it is claimed by the legal heirs. 3. If the amount of his personal account has not been fully withdrawn after retirement, the balance can be liquidated at one time and collected by the legal heirs.
Dear, do you have an urban or rural hukou?
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Summary. Hello dear! Now for you, <>
Almost to the age of 60 to open the pension can be paid from one year to a year, from a legal point of view: pension insurance can be paid every other year. Pension insurance is one year apart, can be stopped, can also continue to pay, pension insurance is allowed to break off halfway, as long as the payment of 15 years.
Can you pay a pension from year to year when you are almost sixty years old?
Hello dear! Now for you, <>
Almost to the age of 60 to open the pension can be paid from a year to a year, from a legal point of view: pension insurance can be paid every other year. Pension insurance is intermittent and guessed that it is hidden for a year, you can stop paying, and you can continue to pay it, and the pension insurance can be allowed to be cut off halfway, as long as you pay for 15 years.
Legal basis: Article 2 of the Social Insurance Law of the People's Republic of China The State shall establish social insurance systems such as basic endowment insurance, basic medical insurance, work-related injury insurance, unemployment insurance, and maternity insurance, to protect citizens' right to receive material assistance from the State and society in accordance with the law in the event of old age, illness, work-related injury, unemployment, childbirth, etc. Article 3 The social insurance system adheres to the principle of wide coverage, basic protection, multi-level and sustainable development, and the level of hunger and socks insurance for the social community shall be commensurate with the level of development of the economic and social society.
It has never been opened, and what do you need to use to open it for the first time.
A letter of introduction for insurance issued by the personnel file trustee Pi Xunguo; The city's household registration book and ID card are empty; Four one-inch recent bareheaded **; The issuance of the "Social Insurance Registration Certificate" to the employer is a malpractice; When employees participate in insurance as individuals, they must present the original and photocopy of their ID cards and household registration books, fill in the "Application Form for Individual Participation in Pension Insurance", and the insurance institution shall establish an endowment insurance card for them and issue an endowment insurance payment manual.
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The pension at retirement consists of two parts: pension = basic pension + personal account pension.
Personal account pension = personal account savings The number of months (50 years old is 139 years old, and it is no longer 120).
Basic pension = (the average monthly salary of the on-the-job employees in the province in the previous year + the average indexed monthly contribution salary of the person) 2 The payment period 1% = the average monthly salary of the on-the-job employees in the province in the previous year (1 + the average payment index of the person) 2 The payment period is 1%.
Note: My indexed average monthly contribution wage = the average monthly wage of the province's on-the-job employees in the previous year My average contribution index In the above formula, it can be seen that in the case of the same payment period, the level of the basic pension depends on the average contribution index of the individual, and the average contribution index of the individual is the average of the ratio of the actual payment base to the average salary of the society. The lower limit is and the upper limit is 3.
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The individual contribution ratio of employee pension insurance is 8, which does not mean that you pay 8 pension calculations involve a series of factors such as payment duration, payment base over the years, and local average wages over the years, which cannot be generalized.
Article 15 of the Social Insurance Law The basic pension consists of a pooled pension and a personal account pension.
The basic pension is determined according to factors such as the cumulative number of years of individual contributions, the contribution salary, the average salary of local employees, the amount of personal accounts, and the average life expectancy of the urban population.
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The individual who pays the unit is only to pay the cost of the personal account, and the proportion of the payment is 8% of your payment base, the higher the payment base, the more money you pay, under the existing policy, your pension is divided into two parts, the basic pension and the personal account pension. The calculation of the basic pension is related to the number of years you have paid, the payment base and the average salary of the previous year at the time of retirement, and the personal account pension is the total amount of your account 139 (60 retirement).
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It is calculated based on the ratio of the amount of money paid, regional differences, etc.
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