How many years does it take for the endowment insurance to receive expert answers?

September 2, 2006113: 23 cloud network

reading skills

After the newspaper reported on June 19 that "employee pensions will be raised by more than 80%", hundreds of readers called our hotline 4 100000 or consulted about the adjustment of pension insurance benefits for enterprise retirees in our province. Because there are too many phone calls and text messages, this newspaper only selects representative or special cases, and asks the relevant person in charge of the Provincial Department of Labor and Social Security to answer them. For the rest, please go to the local social security agency (preferably where the household registration is located).

Institutional consultation. Among the readers who call and send short messages, readers over the age of 30 account for more than 90%, mainly self-employed and individual industrial and commercial households.

Popular reply

Question: Is there an age limit for purchasing endowment insurance? If so, how much is it?

A: Anyone who has not reached the national statutory retirement age can participate in the basic old-age insurance for enterprise employees. However, those who reach retirement age and pay less than 15 cannot receive basic old-age insurance on a monthly basis. Therefore, everyone should participate in endowment insurance as soon as possible. The longer they take part in insurance, the more fees they pay, and the more pensions they receive after retirement.

The second question: How many years will it take to get the old-age insurance? Can the pension received at that time maintain a basic life?

Answer: The insured must reach the retirement age and pay the old-age insurance 15 years or more to receive the basic old-age insurance on a monthly basis. If the payment is not interrupted, it can of course be maintained.

Three questions: If the insured dies before reaching the national statutory retirement age after paying the old-age insurance, can his family members inherit his pension?

A: Family members can inherit the personal account of the insured's basic old-age insurance.

Four questions: After the pension insurance payment 15 years, it is lower than the national legal retirement age. Will you continue to pay wages? What if the overpaid part is collected?

Answer: According to the new calculation and payment method, the insured in this situation must continue to pay the old-age insurance and increase the basic pension 1% every year.

Five questions: According to the new calculation and payment method, the interrupted endowment insurance premium cannot be paid back. So, will the previous insurance premium be invalid? What if it is not invalidated?

Answer: According to the new calculation and payment method, if the payment is interrupted for some reason after participating in the basic old-age insurance, the payment cannot be made during the interruption period, and the payment can be continued in the future. The insurance premium paid before the interruption of payment will not be invalidated, and the social security agency has sealed it. The old-age insurance premiums paid before and after the interruption of payment can be calculated together.

Popular reply

Case 1

Ms. Zhang is 43 years old: her monthly income now exceeds 65,438+0,000 yuan. Since 2004, she has paid 65,438+0,000% of the old-age insurance premium as a self-employed.

Q: Is it worthwhile for self-employed individuals to pay endowment insurance?

A: It is definitely worth it. According to the new calculation and payment method, if the payment has not been interrupted after the insurance, and the payment has been continuous for more than 20 years, the state will guarantee the basic pension according to 60% of the average basic pension of enterprise retirees in the whole province in the previous year.

Case 2

Ms. Dai: 1992 joined the work and engaged in toxic and harmful work in state-owned heavy industry enterprises 1 1 year. In 2003, Ms. Dai left her job and took over the endowment insurance on the basis of 80% payment.

Q: Can I retire early for toxic and harmful jobs? Where can I go through the formalities?

A: According to the policy, those who have worked in enterprises owned by the whole people and collectively for a certain number of years and have original records in personnel files can retire early. Due to the complicated situation, the specific age of early retirement can be consulted with the local social security agency. When individual operators or individual industrial and commercial households apply for early retirement to the social security institutions in the insured areas, they need to submit written applications and related materials.

Case 3

Ms. Xu is 38 years old: 1990. After graduating from college, she worked in a state-owned enterprise. In September, 2000, she was assigned to work in a subordinate joint venture company, during which the unit has been paying endowment insurance. On June 365438+February 3 1 last year, Ms. Xu resigned.

Q: Should I renew my insurance now? Was it partially approved by the previous unit?

Answer: It is best to continue this year, so that it can be calculated continuously with the part handed in by the previous unit.

Case 4

A housewife, aged 3 1 year, whose household registration is in Panlong District, Kunming.

Q: Can I run my own personal pension insurance? What documents do you need in which unit?

Answer: You can participate in the basic old-age insurance as a self-employed, bring your ID card and household registration book, and go to the social security agency in Panlong District where your household registration is located.

Case 5

Jiangxi, who has been insured for 13 years, has been working in Yunnan for a long time and wants to be insured.

Q: How to renew the insurance? Where will the old insurance money be adopted in the future?

Answer: If there is a fixed unit in Yunnan and the unit has been insured, the old-age insurance relationship can be transferred to the current unit through the social security agency where the original unit is located in Jiangxi. Those who go to Yunnan to engage in self-employment or individual industrial and commercial households must apply for insurance at the social security agency where the household registration is located.