Interpretation of laid-off workers in the 217 NPC and CPPCC sessions and hot proposals on laid-off workers in the National People's Congress
According to the relevant provisions of Announcement No.6 of State Taxation Administration of The People's Republic of China on January 17, 211, organs, enterprises and institutions shall pay a one-time subsidy to early retirement workers according to the unified standard, and personal income tax shall be levied according to the item of "income from wages and salaries".
Laid-off workers are the largest and most prominent difficult group in China at this stage. According to this regulation, as a special difficult group, they should be given special preferential treatment in the early retirement policy to solve their food and clothing situation.
The following suggestions are made on how to solve the practical problems of older laid-off workers:
They are mainly solved from three aspects: first, conditional payment of living expenses; second, voluntary retirement when reaching the early retirement age; and third, individual who reaches the early or normal retirement age is reluctant to pay pension.
Early retirement is divided into "early quasi-retirement" and "normal early retirement":
▲ Male, over 5 years old, with more than 3 years of service, is the age group of "early quasi-retirement";
▲ Male, over 55 years old, with more than 15 years of service, is the "normal early retirement" age group;
▲ Female, with more than 3 years of service, with 26 years of service for undergraduate students, 27 years for junior college students and more than 25 years for graduate students assigned by the full-time graduation package, is the age group of "early quasi-retirement";
first, the basic living expenses are paid conditionally.
Laid-off workers (male and female) who have worked for more than 3 years, undergraduates who have worked for more than 26 years, junior college students who have worked for 27 years, and graduate students who have worked for more than 25 years, will receive the basic living expenses around 6 yuan every month. After reaching the age of "early quasi-retirement", I can choose to retire on my own or not.
if I choose to retire early, I will stop paying basic living expenses and pay according to my retirement salary.
if I am willing to take the basic living expenses, the basic living expenses will stop automatically until I officially retire.
second, choose to retire early.
1. Early retirement for men.
(1) Men who choose to retire at the age of "early quasi-retirement" are between 5 and 54 years old, and their retirement wages are taxed monthly according to the regulations on early retirement in State Taxation Administration of The People's Republic of China. After reaching the age of 55, their retirement wages are no longer taxed.
(2) If a man retires at the age of "normal early retirement", that is, if he retires over 55 years old, his retirement salary will no longer be taxed.
(3) Men choose to retire normally at the age of 6. Basic living expenses have been paid until normal retirement.
2. About women's early retirement.
(1) If a woman chooses to retire at the age of "early quasi-retirement", her retirement salary will be taxed monthly according to the regulations of State Taxation Administration of The People's Republic of China on early retirement. When she reaches the age of 5, her retirement salary will no longer be taxed.
(2) The statutory retirement policy for women who retire at the age of 5 and have worked for more than 15 years remains unchanged.
3. Those who have not reached the early retirement age, suffered from cancer and other terminal diseases, or lost their full capacity due to disability should be allowed to retire after working for more than 15 years.
third, when retiring, individuals are reluctant to pay their pensions, that is, the pensions are borne by the state and local finances.
fourth, the policy of "early retirement of laid-off workers" should be given special treatment.
First, the laid-off workers pay little compensation for their buyout length of service, and they have undertaken necessary obligations to the country and society in the past 1 years;
The staff of state organs, enterprises and institutions retire early, directly without being laid off, and the compensation for early retirement is higher than that for laid-off workers. Therefore, it is also a kind of compensation and preferential treatment for laid-off workers to conditionally pay living expenses and retire early, and correspondingly shorten their wage tax obligations.
Second, men retire at the age of 6, which is a national retirement system in the 195s and a historical provision of the retirement system from normal work to age. For laid-off workers who do not have any sources of funds at this stage, it is also a remedy for the defects of the past retirement system.
Third, paying living expenses and choosing to retire flexibly in advance can effectively solve the different practical difficulties of laid-off workers.
the endowment insurance for laid-off workers is a social insurance system established by the state and society according to certain laws and regulations, in order to solve the basic life of workers who have reached the working age limit stipulated by the state to terminate their labor obligations, or who have quit their jobs because of old age. It is an important part of the social security system and has great significance for the basic life guarantee of the people.
according to the relevant policies of the national endowment insurance, when the insured reaches the statutory retirement age, those who have paid the endowment insurance for more than 15 years can enjoy the monthly pension treatment. The retirement age of flexible employment insured is 6 for male employees and 55 for female employees. Among them, female employees who were formal employees of state-owned or collective enterprises can choose to retire at the age of 5 or 55 according to their own wishes.
according to the current national policies, 4 or 5 laid-off workers who meet the requirements can enjoy the social insurance subsidy policy, and the specific business agency is the Municipal Bureau of Labor and Employment.
The new policy also stipulates that as long as they have not reached retirement age, they can buy old-age insurance and pay a part of the money in one lump sum, and then pay the annual fee until retirement. After paying for 15 years, they can enjoy the pension.
The new policies for laid-off workers to enjoy old-age insurance are as follows:
(1) If the basic old-age insurance relationship is not located at the domicile, but the accumulated payment period in the locality where the basic old-age insurance relationship is located has reached 1 years, they will go through the formalities of receiving benefits there and enjoy the local basic old-age insurance benefits.
(2) If the basic old-age insurance relationship is not located at the domicile, and the cumulative payment period in the locality where the basic old-age insurance relationship is located is less than 1 years, the basic old-age insurance relationship shall be transferred back to the original insured place where the payment period has reached 1 years, so as to go through the formalities of receiving benefits and enjoy the basic old-age insurance benefits.
(3) If the basic old-age insurance relationship is not located at the domicile, and the accumulated payment period in each insured place is less than 1 years, the basic old-age insurance relationship and corresponding funds shall be collected at the domicile, and the domicile shall go through the formalities for receiving benefits according to regulations and enjoy the basic old-age insurance benefits.
unemployed people
after the unemployed people terminate the labor contract relationship with the employer, the original employer will transfer their files to the administrative department of labor and social security of the district or county where the unemployed people are registered, and at the same time seal up the endowment insurance manual and terminate the endowment insurance relationship. There is no need to go through the payment interruption formalities separately. Unemployed people who are not re-employed for various reasons, when they meet the retirement conditions stipulated by the state during the unemployment period, apply to the unemployment insurance agency where their household registration is located, and the unemployment insurance agency is responsible for reporting and handling retirement procedures according to the provisions of the administrative departments of labor and social security in quite a region and county. After approval, the district and county pension insurance agencies are responsible for issuing basic old-age insurance benefits.
Re-employed persons
The old-age insurance premiums paid by unemployed persons before and after their career are calculated together, and their payment years are calculated cumulatively. If the old-age insurance premium is paid intermittently during the period of unemployment, the personal account of the basic old-age insurance shall be kept, and the interest shall be calculated continuously, and it shall be recorded with the personal account after re-employment, and the personal account number shall remain unchanged. Unemployed people who are re-employed should go through the formalities of transferring the file relationship after signing a labor contract with the employer, re-open the old-age insurance manual, go through the registration and reporting payment procedures in the new employer, and pay the old-age insurance premium in full and on time.
Self-employed business people
Employees who are self-employed or employed informally can deposit their archival relationship and endowment insurance relationship in an employment agency with the function of handling endowment insurance in this city, and can resume their endowment insurance relationship and continue to pay endowment insurance premiums after the employment agency handles the entrusted filing procedures.
It is worth noting that the intermittent payment of endowment insurance premiums will directly affect the pension level after retirement. The basic pension shall be calculated and paid based on the average social wage of employees in the whole city in the last year when they retire, and the average social wage of employees in the whole city before the previous intermittent payment is averaged, and the arithmetic average is taken out. This will reduce the base of the basic pension, and the relative basic pension will also be reduced, so it is best not to pay the old-age insurance intermittently.
About the old-age insurance for laid-off workers:
1. About poverty: For the basic living guarantee for laid-off workers who have terminated their labor relations, according to the relevant policies and regulations of social assistance, families whose per capita income is lower than that of 16 yuan every month can apply for the minimum living guarantee. If the employees of the restructured enterprise meet the premise of subsistence allowances, they may apply to the community or village Committee where the household registration is located. For the low-income workers who terminate labor relations, they can apply to the Municipal Social Security Bureau for temporarily sealing up the old-age insurance relationship with the relevant documents.
2. On the problem of inability to pay the old-age insurance premium: The relevant national and provincial documents clearly stipulate the old-age insurance policies such as the payment of social insurance premiums and the suspension of payment, which should be implemented according to the policy provisions. Considering that the average social wage of employees has increased rapidly in recent years, in the payment year of 29, individual industrial and commercial households and flexible employees can still declare the payment base at not less than 9% of the average wage of employees in the city last year. For the insured who have not reached the statutory retirement age, except that the pension insurance relationship can be sealed according to the national policy, other personnel should continue to pay the pension premium in full and on time. Persons who have obtained the unemployment card and failed to seal the pension insurance relationship during the original period of receiving unemployment benefits may apply for an extension of the sealing time. However, when handling the sealing procedures, the social security fees and interest owed before sealing should be paid off, and the overdue fine for social security fees owed should be properly considered by the social security department on the premise of complying with the policy and according to the specific circumstances. Since then, if the state has introduced a new endowment insurance policy for restructured enterprises, it will be implemented in accordance with the new policy.
It is understood that the laid-off workers in some places in the 199s are now in their forties and fifties, and most of them can't find a permanent job, earning only a few hundred yuan a month, while they have to pay several thousand yuan for the old-age insurance every year, making life very difficult. These people are looking forward to receiving their pensions as soon as possible, but many of them are not old enough to receive pension insurance. In a very embarrassing situation. If there are patients at home, life will be even more difficult and difficult. These people have contributed to the country. They have worked for 2 or 3 years and bought out their length of service with 1 or 2 thousand yuan, which is really unfair.
It is suggested that all localities should investigate and register the poor families of laid-off workers, distinguish the situation and appropriately reduce their pension insurance contributions. The reduction of the reduction and the exemption of the exemption. Some places have begun to do this, but the reduction and exemption efforts are not enough, which can not effectively solve the practical difficulties of poor families of laid-off workers. If it is lower than the local minimum living standard, it should be exempted to show the humanistic care of our society. The vacancy is partially filled by local finance. Local finance is indeed difficult, but it can be shared by the central finance in proportion. This part of the people, the number is limited, the financial burden will not be very heavy. From 1998 to 26, 24 million laid-off workers from state-owned enterprises enjoyed basic living security, of which 2 million were re-employed. Moreover, China's fiscal revenue has increased substantially year after year, which should not be a problem. Take it from the people and use it for the people, and it will be widely supported.
Precautions
1. For the most important insurance liability, that is, pension payment, the payment period should be extended as long as possible. In particular, the livelihood security of laid-off workers is not stable enough in the future, which is particularly important.
second, the distribution of cash flow should be reasonable. The income of endowment insurance mainly lies in the compound interest effect brought by its long-term investment. If you receive a large amount of insurance money too early, it will lead to insufficient account accumulation when it is really needed for old-age care. Third, the payment is flexible. Before taking out insurance, you should choose the appropriate payment period according to your own income level and financial planning.
iv. premium exemption. For laid-off workers, the function of premium exemption is very important. With this function, you can ensure that you can receive your pension normally no matter what happens.
5. Ensure the purchasing power of funds. When choosing product endowment insurance, if the economy is not particularly tight, it is best to choose products with dividends, which can ensure a long-term and stable payment, and to some extent, the pension saved when you are young can still have the purchasing power of that year through dividends.
how to query
the personal accounts of employees' basic old-age insurance is one of the core contents of the enterprise employees' basic old-age insurance system which combines social pooling with personal accounts, and it is the concrete embodiment of deepening the reform of the old-age insurance system in recent years.
if the social security bureau in your area has opened an online inquiry, you can log in to the local labor security service network, type in your ID number or enter the social security card number and inquiry password, and you can inquire about the pension you have paid. Take Shanghai as an example, you must apply for the service password at the local labor security service institution before you can see the detailed information, otherwise you can only see whether you have paid it, but you can directly inquire about the detailed information of the provident fund online, but you must register first.
In some areas, such websites are not very reliable or are still under construction, and may not be found for a while. The most effective way is to directly query the social security institutions and provident fund management institutions. The main thing is to look at the balance of pension and provident fund. For medical insurance, if it is a bank card, you can know the amount in the account by swiping the card at a designated medical institution or a designated pharmacy.
some units have special departments in charge of insurance, which can be directly inquired by the departments in charge of insurance.
in addition, you can call the labor security comprehensive service telephone number "12333" for policy consultation and information inquiry.
In addition, if there is a social insurance touch-screen inquiry system in the business hall of social insurance agencies in various districts, swipe your card or enter the card number or ID number according to the screen prompts for inquiry
Further reading: How to buy insurance, which is better, and teach you how to avoid these "pits" of insurance.