Many people think that the risk of participating in social security is very high, after all, they just pay money when they were young. What if you die after retirement? Will the state refund the fees paid for pension insurance? There is indeed such a risk, but the death of the insured person is indeed subject to corresponding treatment.
Pension insurance is a pension model that combines unified accounts and personal accounts
We pay pension insurance, and the corresponding fees are divided into unified accounts and personal accounts.
(I) The personal pension insurance account is recorded at 8% of the payment base. Every year, interest will be calculated based on the pension personal account accounting interest rate uniformly announced by the state. Since 2016, the Ministry of Human Resources and Social Security and the Ministry of Finance have uniformly announced the corresponding bookkeeping interest rates, up to 7% to 8%. From this perspective, pensions are much stronger than personal financial management.
After all, when enterprises participate in social security, the part paid by employees is 8% of the payment base, which is equivalent to saving money for themselves. There is also such a high accounting interest rate that is very cost-effective.
When can I get a personal pension account? According to the provisions of the " Social Insurance Law ", there are only three situations for to obtain personal account . First, the number of months that reaches the retirement age is collected according to the number of months of calculated by ; second, the insured person can inherit it in one lump sum by the heirs when he dies; third, the insured person loses his nationality of the People's Republic of China and can apply for termination of social insurance relations when leaving the country or after leaving the country, and pay the personal account to the person in one lump sum.
This situation is equivalent to the part paid by employees of , and will definitely not lose money . Some employees are still concerned about the burden on the enterprise, but we must remember that the payment of social security by enterprises is not related to the employees, but to the legal requirements, so it is also necessary not to return the employees.
However, if you are flexible employed persons without employers or individual business owners without employers, you need to bear the basic pension insurance yourself at a 20% payment ratio. The proportion recorded in your personal account is still 8% of the contribution base, so you may lose money.
(II) The unified account is mainly used to pay basic pensions, transitional pensions , various pensions added each year, various subsidies for retired employees, personal accounts after the pension is collected, as well as funeral expenses, pensions and other benefits for deceased employees. The money in the unified account is not only 16% of the unit contribution base paid by the enterprise, but also a large amount of state subsidies. In 2017, the financial subsidy of pension insurance funds at all levels reached 800.4 billion yuan, and in 2019, the central government arranged the subsidy of pension insurance funds reached 526.1 billion yuan. There are also the balance interest of pension insurance funds over the years, etc. At the end of 2019, the cumulative balance of the basic pension insurance fund for enterprise employees reached 508.69 billion yuan.
The treatment of employees who died due to illness but not work actually originated from the 1951 " Labor Insurance Regulations ". Initially, the state stipulated that the funeral subsidy for employees who died of illness but did not work was the average salary of the enterprise for two months. The standard for one-time relief is to pay 6 to 12 months of personal salary or pension based on the different relatives of the support.
has undergone more than 70 years of changes, and the corresponding treatment has been preserved. In 1969, the labor insurance system was terminated, but the corresponding welfare benefits were borne by the employer. After all, at that time, there was no possibility of bankruptcy of state-owned collective enterprises. In 1986, my country began to re-establish the social insurance system, but the corresponding benefits were inherited.
Relatively speaking, the standards in various places have changed a lot. For example, the funeral expenses in Shandong Province are 1,000 yuan, Shaanxi Province is 1,500 yuan, Chongqing City is 2,000 yuan, Heilongjiang Province is 4,000 yuan, and Beijing City is 5,000 yuan. In some areas such as Shanghai, Fujian, Tianjin, etc., the average social wage is 2 to 3 months.
one-time relief fund, Beijing is the minimum wage standard for 20 months, Shandong Province is the average social wage standard for 10 months, Hebei Province is the maximum provincial average pension for 20 months, and Ningxia Autonomous Region is the average social wage for 20 months.
In addition, some areas such as Shandong, Shanghai, Shaanxi and other areas also provide living difficulties subsidy for . Currently, only 300 to 500 yuan per month, but it is also a reward.
Therefore, the benefits of participating in pension insurance are very generous, and it can be said that 95% of people will not suffer any losses. It is still recommended that young people think carefully and it is more cost-effective to participate in pension insurance while they are young.
