When do I start paying pension and medical insurance? Where to hand it in?

The deadline for the payment of resident pension insurance and resident medical insurance is December 20.

The social security premiums of the in-service employees of the unit are paid by the unit every month, and there is no deadline for payment; The social security premium for students in school is collected and paid by the school after the start of the school year, and the premium can be handed over to the school at the specified time, and the school will pay for the student before the payment deadline; Residents other than employees and students are required to pay their own social security contributions, and the deadline for payment in 2019 is December 20, with slight differences in different regions.

1. Endowment insurance, with a personal account, the ID number is the account number, and there can be three ways to deal with it after resignation:

The first is to stop paying fees, resulting in the interruption of the payment period and the cessation of personal account accumulation, but as long as the time is not long, it will have little impact on the future;

The second is to pay the full amount by the individual, that is, to pay the part of the past together with the part paid by the enterprise without interrupting the payment, but it is not cost-effective for the individual to bear a heavier burden;

Third, if you go to other places to seek employment, you can go through the insurance transfer procedures and go to a new employment area. Either way, you can find a new job and never lose it until you retire.

2, medical insurance, there are also personal accounts, after resignation treatment methods are basically the same as endowment insurance, the money in the personal account can continue to be used locally, but at present can not be transferred, the state has introduced the relevant transfer measures, July 1 this year can be implemented.

3. Work-related injury insurance, unemployment insurance, and maternity insurance do not have personal accounts, and the insurance will be automatically released after resignation, but as long as the unemployment insurance has been paid for one year, and unemployment is not caused by personal reasons, you can receive unemployment insurance money.

4. Housing provident fund, there are personal accounts, enterprises and individuals pay fees, all form the total amount of personal accounts, just like the bank's fractional deposit ownership belongs to the individual, after resignation, just stop saving money, but the money in the account is still yours, as long as it meets the provident fund withdrawal regulations, it can be withdrawn at any time, and it can be renewed in the future, and it will never be invalid.

Resident pension insurance can be paid from the age of 18.

After 15 years of pension insurance, you can receive a pension when you reach retirement age. Of course, the number of years of payment can be higher than 15 years, and the longer the payment time, the more pension you will receive after retirement, so whether to continue to pay after 15 years can be decided according to your actual situation.

Pension insurance can be interrupted in the process of payment, as long as the accumulation time reaches 15 years.

The basic pension consists of a pooled pension and a pension in an individual account.

The basic pension is determined according to factors such as the cumulative number of years of individual contributions, the payment salary, the average salary of local employees, the amount of personal accounts, and the average life expectancy of the urban population.

[Legal basis].

Social Insurance Law of the People's Republic of China

Article 16 Individuals participating in the basic endowment insurance who 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 for 15 years 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 endowment insurance benefits in accordance with the regulations. Article 19 If an individual is employed across the overall planning area, his basic pension insurance relationship shall be transferred with him/herself, and the payment period shall be calculated cumulatively. When an individual reaches the statutory retirement age, the basic pension is calculated in stages, and the payment of the Changchang Brigade is delayed.

The specific measures are stipulated by ***. Article 12 The employer shall pay the basic endowment insurance premiums in accordance with the proportion of the total wages of its employees stipulated by the state, which shall be credited to the basic endowment insurance pool.

Employees shall pay basic pension insurance premiums in accordance with the proportion of their wages stipulated by the state, which shall be credited to their personal accounts.

Individually-owned businesses without employees, part-time employees who have not participated in the basic pension insurance in the employer, and other flexibly employed persons who participate in the basic pension insurance shall pay the basic pension insurance premiums in accordance with the provisions of the state, which shall be credited to the basic pension insurance co-ordination and personal accounts respectively. Article 14 Personal accounts shall not be withdrawn before withdrawing from the bank, and the interest rate shall not be lower than the interest rate of the bank's fixed deposit, and the interest tax shall be exempted. In the event of the death of an individual, the balance of the personal account may be inherited.

The above is only the current information combined with my understanding of the law, please refer to it carefully!

If you still have questions about this issue, it is recommended that you organize the relevant information and communicate with a professional in detail.

Generally speaking, there is a prescribed payment period for resident pension insurance every year, if the premium is not paid within the payment period, the premium can not be paid in the current year, but if it is a newborn, then it is not limited by the payment period, and the parents can pay the resident pension insurance for them after birth. And the newborn pays resident pension insurance, which is relatively cost-effective, can pay a longer term, and if the payment period is longer, the more money in the personal account, and so on to 60 years old, you can enjoy the pension insurance treatment, monthly pension.

Resident pension insurance, like urban employee pension insurance, requires cumulative contributions for 15 years, and can only start receiving pensions after reaching the specified age. Among them, the resident pension insurance is required to reach the age of 60 before they can enjoy the relevant treatment, and the urban employee pension insurance is required to reach the statutory retirement age before they can enjoy the relevant treatment.

Social security is mandatory for all employers. I don't know what kind of chain envy you are. As long as employees in Shanghai are employed, they must pay pension insurance, medical insurance, unemployment insurance and provident fund.

The pension must be paid for at least 15 years, according to the current retirement age of 60 years old, and you can receive a pension after retirement until you die. It's not like you can buy it if you want to, and you won't buy it if you don't buy it. So there's no question of when to buy a shed.

However, there are also deficiencies in social insurance, so it is necessary to solve the problem through commercial insurance. According to your current age, because you have just joined the workforce, it is unnecessary to buy commercial endowment insurance by yourself. More consideration should be given to medical commercial insurance to supplement social health insurance.

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1.Bank payment channels.

At present, the banks that have opened the basic old-age insurance and basic medical insurance payment for urban and rural residents include Industrial and Commercial Bank of China, Agricultural Bank of China, China Construction Bank, Bank of Communications, Postal Savings Bank, Bank of Jilin, Jilin Rural Credit Bank, China Merchants Bank, Industrial Bank, Bank of China, China CITIC Bank, China Everbright Bank, Shanghai Pudong Development Bank, and Huaxia Bank.

Scan on WeChat or open WeChat to search for the "Jilin Tax and Social Security Payment" applet, and enter the system for the first time to automatically prompt you to bind *** and mobile phone number, that is, to complete the real-name authentication process. After entering the "I want to pay" function, enter the ID number and name, or scan the identification information of the Pengyin ID card, confirm the insurance information, select the type of insurance to be paid, and confirm the payment amount to complete the payment through WeChat.

3.Alipay payment channel.

After entering the mini program, click on the "Social Security Payment" option, you can choose to pay the basic pension or medical insurance premiums for yourself or others, enter the name and ID number of the payer, confirm the insurance information, select the type of insurance to be paid, and determine the payment amount to complete the payment through Alipay.

4.Mobile POS payment channel.

In order to facilitate the majority of payers, the tax authorities have developed a mobile POS machine for the payment of social insurance premiums for urban and rural residents.

There are two types of social insurance for individuals: endowment insurance and medical insurance.

Payment standard: Based on the average social wage announced by the city in the previous year, the minimum standard is 60% of the average wage, the highest standard is 300% of the average wage, and the middle is %. 20% for endowment insurance and 10% for medical insurance

Taking the minimum standard as an example, the amount of individual contributions to pension insurance is: (average salary * 60%) * 20%.

The amount of individual contributions to medical insurance is (average salary * 60%) * 10%.

The main content of social security:

Endowment insurance: endowment insurance is a social insurance system in which workers receive certain economic compensation and material help and services from the society after reaching the statutory retirement age;

Medical insurance: The basic medical insurance system for urban employees is a social insurance system established to ensure the basic medical needs of employees according to the affordability of finance, enterprises and individuals;

Work-related injury insurance: Work-related injury insurance is also known as occupational injury insurance. After a worker is injured in an accident due to work reasons and in the course of work, or suffers an occupational disease caused by exposure to occupational hazards such as dust, radiation, and toxic substances, the State and society shall provide necessary material assistance to the injured or disabled person, as well as the relatives of the deceased person who supported him before his death;

Maternity insurance: Maternity insurance is based on the physiological characteristics of childbirth behavior, according to the law of maternity insurance, when working women temporarily interrupt their work and lose their normal income due to the birth of children, the material assistance provided by the state or society. Maternity insurance benefits include maternity allowance and maternity medical services.

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The minimum contribution for personal pension insurance is 15 years, and the minimum contribution for medical insurance is 20 years.