Because of the different economic conditions in each place, the relevant social security policies and payment rates are inconsistent, which is explained by taking the handling process of basic endowment insurance for employees in Anyang as an example.
The first step in the process of individual endowment insurance: it is necessary to prepare the insurance information, that is, the urban individual workers in Anyang City, with their ID cards and photocopies, household registration books and photocopies, self-employed business licenses and photocopies, and at the same time submit a recent one-inch photo 1 piece, to go through the new insurance procedures;
The second step of the personal endowment insurance processing process: go to the Anyang Municipal Bureau of Human Resources and Social Security to fill in the relevant forms, and the processing time is normal working days; Processing time: 5 working days
The third step of the personal endowment insurance process: know your own payment standard, and the annual payment amount = annual payment base × 2 1%, and the annual payment base is selected by me between 60% and 300% of the average monthly salary of employees in the province last year.
Endowment insurance is very important for personal future life. After consulting the local social security agency, timely and effective endowment insurance can save you a lot of time, energy and money. At the same time, based on the nature and amount of old-age insurance, it is suggested that people with high security needs can purchase commercial insurance as a supplement to personal social old-age insurance to create better conditions for their later life.
Address of Anyang Municipal Bureau of Human Resources and Social Security: Floor 2, North of Anyang Labor Security Service Center (No.8 Anzhang Avenue)
Tel: 0372-2222671/0372-2222672
The "freelancer" in the individual social endowment insurance refers to the self-employed person who has the urban household registration in this city, the male is under 60 years old and the female is under 55 years old, has not established labor relations with the unit, and is engaged in a certain legal income.
Example 1:
1. If you are a freelancer, an urban individual industrial and commercial household or a flexible employee without a fixed job, you can apply for social insurance;
2. If an individual participates in social insurance, it should be carried out in accordance with the method of freelancers participating in social insurance. Freelancers can only participate in endowment insurance and medical insurance. There are specific provisions on the payment of endowment insurance and medical insurance: endowment insurance: bring my ID card, unemployment certificate and 2 1 inch photos to the business window of the local social security center. Medical insurance: after completing the formalities of endowment insurance, take the above materials and the well-run endowment insurance manual to the business window of the local medical insurance center. Just pay the fee normally according to the regulations! ! Freelancers, urban individual industrial and commercial households and flexible employees participate in the basic old-age insurance. The payment base is the average salary of local employees in the previous year, and the payment ratio is 20%, of which 8% is credited to personal accounts. After retirement, the basic pension is calculated and paid according to the basic pension plan for enterprise employees. In terms of medical insurance, freelancers and self-employed people can choose to build a unified fund instead of a personal account, and pay the basic medical insurance premium at 4.2% of the local average monthly salary in the previous year. You can also choose to pay 8% of the local average monthly salary in the previous year and set up a personal account! Employees participating in medical insurance are 6% for the unit and 2% for the individual;
Example 2:
1, If the unit where you work doesn't handle the basic old-age insurance for you, you can go to the place where your household registration is located to participate in the basic old-age insurance as an individual (you usually need to bring your ID card, the original and photocopy of your household registration, and a number of ID photos for the first time). After going through the insurance formalities, you can only pay the annual insurance premium once every year when you go back, or you can ask your family to bring your old-age insurance manual to pay it for you. After reaching retirement age, you can go back to your hometown to go through retirement procedures. Please consult the local social insurance agency (Social Security Bureau) for specific policies, payment base and proportion.
2. When moving between different units, if a unit helps you with social security, you can ask to transfer the social security relationship and personal account back to your place of origin when you leave the unit, so you don't need to pay in your place of origin during this period.
3. You can also choose some commercial insurance products for the aged as supplements. Please consult the insurance agent of the relevant insurance company for details.
Example 3:
The relevant procedures for freelancers to participate in pension and medical insurance shall be handled by the street (township) labor service office where the household registration is located.
Handling procedures: the talent service center shall provide the work experience certificate signed by me, and attach a copy of the procedures for resignation. After the district and county employment agencies confirm it, they will establish a labor file for them. After the Labor Manual is issued, the street (township) labor service office will handle the registration procedures for freelancers' retirement and medical insurance, pay the pension and medical insurance premiums, or the district and county labor service office can go to the street where their household registration is located.
The base and proportion of pension and medical insurance premiums paid by freelancers shall, in principle, be implemented with reference to the provisions of this Municipality on urban individual industrial and commercial households and their helpers. The base of payment in 1999 is 700 yuan. If my average monthly income in the previous year is higher than the base of payment, I can also use the actual income as the base of payment, but it shall not exceed 300% of the average monthly salary of employees in the whole city in the previous year, and it is 30 15 yuan in 1999. The pension insurance premium is 18%, and the medical insurance premium is 7.5%. The base for freelancers to pay pension and medical insurance premiums is fixed in principle for one year, and can be paid monthly or quarterly.
After the freelancer pays the pension and medical insurance premiums according to the regulations, the social insurance institution will set up an individual pension insurance account for him according to 1 1% of the base of his payment, record it in the payment period, and issue the Pension Insurance Payment Manual and the Medical Insurance Payment Manual. After the freelancer pays the old-age insurance premium according to the regulations, the continuous length of service that can be calculated before the end of 1992 according to the regulations of the state and this Municipality can be credited to the individual old-age insurance account as the basis for determining the retirement conditions and calculating the pension. Freelancers are regarded as employed during the payment period, and no longer receive unemployment benefits, and are recorded in my Labor Manual by the street (township) labor service office. Individual freelancers who want to pay the old-age insurance premium from 1993 are allowed to pay the old-age insurance premium from 1 month to1March 1998, and the base of payment is 660 yuan. The proportion credited to the individual pension insurance account is 16% of the base pay, and the base pay and proportion after 1998 are determined according to the base pay and proportion stipulated by this Municipality in that year, and the proportion credited to the individual pension insurance account is 1 1% of the base pay.
The individual endowment insurance account of freelancers will remain unchanged for life. When my employment situation changes, the individual endowment insurance account will be transferred with it. After employees who have established individual pension insurance accounts are engaged in freelance work, the accumulated amount of individual pension insurance accounts is calculated.
Freelancer's personal endowment insurance account can only be used for providing for the aged and cannot be withdrawn in advance.
When a freelancer reaches retirement age, he can go through retirement formalities upon his own application, examination by the street (township) labor service office and approval by the social insurance institution, and the pension will be calculated and distributed according to the enterprise measures of this Municipality.
The retirement age of freelancers is generally determined by men reaching 60 years of age and women reaching 55 years of age, and their working years are determined by their continuous length of service before the end of 1992 plus the payment period after 1993/0/5 years, in which the payment period should be 5 years. This payment period of 5 years refers to the sum of the payment period when I paid the old-age insurance premium in my personal account according to the regulations after 1993 and the implementation of the Notice on Issuing Trial Opinions on Pension and Medical Insurance for Freelancers in this Municipality (1August 27, 998). If an individual reaches retirement age and continues to engage in freelancing and earn legal income, he may extend his retirement age appropriately to continue to pay fees upon his own application.