I. How to inquire about the personal account of social security Personnel with flexible employment can inquire about the social security paid by individuals through the following methods: 1. Online inquiry: log in to the local social security bureau, register an account first, and enter the relevant information of ID card and mobile phone number for verification, so as to quickly inquire about the social security payment. 2. Mobile phone inquiry: Both Alipay and WeChat provide convenient social security inquiry services, and users can inquire about the current payment status by binding social security cards in urban service applications. 3. Telephone inquiry: Call the social security hotline 12333, and provide identity information to conveniently inquire personal social security information. 4. Social Security Bureau Inquiry: Cardholders can inquire about the current payment information of social security by carrying their ID cards and social security cards to the local social security bureau for inquiry business. Second, can the balance of social security account be cashed out? The balance of social security account cannot be cashed out. The balance of medical insurance account can be used for cardholders to buy medicines in pharmacies and pay medical expenses in hospitals every day, but it cannot be cashed out or cashed out; The balance of the pension account can only be withdrawn after the cardholder reaches retirement age and the payment is less than 15 years. If the payment is more than 15 years, he can enjoy the monthly pension treatment, and the balance cannot be withdrawn. Social security is a welfare guarantee promoted by the state. The insured can enjoy medical insurance, pension, unemployment, work injury and maternity protection, and the priority of insurance is higher than that of commercial insurance. 3. How to calculate the pension for the personal account of endowment insurance = (the average monthly salary of employees in the whole province in the previous year+the average monthly payment salary of myself) ÷2× payment period × 1%= the average monthly salary of employees in the whole province in the previous year (1+ my average payment index) ÷2× payment period × 1%. Individual endowment insurance is paid according to 20% of the payment base, of which 12% of the payment base is included in the overall account and 8% of the payment base is included in the personal account. After retirement, the calculation of pension amount is also divided into two parts. Part of it is calculated from the overall account, which is the basic pension; The other part is calculated from the personal account, which is the personal account pension. The basic old-age insurance premium is borne by both the enterprise and the individual employees: the enterprise pays a certain proportion of the total average monthly salary of its employees in the previous year (Beijing is 19%, which may be different in other cities), and the individual employees pay a certain proportion of their average monthly salary in the previous year (generally 8%). Urban individual industrial and commercial households, flexible employees and laid-off workers from state-owned enterprises who participate in the basic old-age insurance in their personal capacity will pay the basic old-age insurance premium at a rate of 20% based on the average social wage in the province where they are located, and all of them will be borne by themselves. Personal social security accounts can be inquired online, by telephone or by the local social security bureau.
Legal objectivity:
Social Insurance Law of the People's Republic of China
Article 4
Employers and individuals within the People's Republic of China pay social insurance premiums according to law, and have the right to inquire about payment records and personal rights and interests records, and ask social insurance agencies to provide social insurance consultation and other related services.
Individuals enjoy social insurance benefits according to law and have the right to supervise the payment of their own units.