Answer related questions
1. Who is a flexible employee?
According to the current social insurance policy, flexible employees refer to individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employer and other flexible employees. For example, street vendors, street barbers, fruits, massages, restaurant owners, online contract drivers, WeChat business, take-away deliverymen, network anchors, etc. All of them are flexible employees, who can participate in the basic old-age insurance for employees and receive basic old-age insurance benefits on a monthly basis (that is, we often say "pension" and "pension") like enterprise employees after retirement.
2. I haven't paid social security before. How to go through the new registration formalities as an individual?
One is self-help. Through the Hubei government service network, through the enterprise employee pension insurance service section, register according to the steps;
The second is to do it nearby. The new registered personnel of flexible employment bring their ID cards (to support others to help or represent them) to the convenience service center of their residence, and the staff of the service center will assist in the registration of insurance.
The third is the agency. New insured registration personnel bring their ID cards (to support others' help or agency) to the social security window of the citizens' home.
3. How to go through the payment procedures?
Method 1: Register and open Hubei Tax Mobile Phone ("Chu Tax Link") or download and register ("Hubei Tax Office") APP, select the payment grade and make online real-time payment.
Method 2: Bring my ID card or social security card and bill of payment to each urban tax service hall, or collect it at the urban bank (the rural commercial bank outlets in the whole region) and pay the social security fee offline.
4. What is the payment standard for flexible employment?
The payment standard is adjusted regularly in July every year. See the following table for the current payment standard in 2022:
Flexible employees need to pay attention to the following two points:
First, flexible employees can pay monthly, quarterly and annually, and each social security payment year can pay the old-age insurance premium of that year (unlike June-June in which 1 is a complete year in the Gregorian calendar). If you miss the payment period of the current year, you can't make it up in the future. In order to avoid the omission of endowment insurance, the insured should complete the declaration and payment before the end of each year.
Second, laid-off workers can pay employee pension insurance premiums as flexible employees during the period of receiving unemployment insurance benefits or unemployment subsidies.
5. Can flexible employees who have never paid social security before, or who have interrupted the payment period, pay in one lump sum across the social security payment period?
Can't make up for it. According to the current policy, individual industrial and commercial households and urban flexible employees are not allowed to increase the payment period by paying back afterwards.
6. When flexible employees reach the statutory retirement age, the actual payment is insufficient 15 years. Can they retire in the month when they reach the age?
According to the current policy, flexible employees who have reached the age of 60 for men and 55 for women (except those who have paid for 10 years as enterprise employees) and paid for the old-age insurance for 15 years can apply for retirement in the month when they reach the age and receive the basic pension for employees on a monthly basis. If you reach the statutory retirement age and the payment is less than 15 years, you can apply for an extension of payment according to the current policy, and then make a one-time payment after extending the payment period. Specific measures are as follows:
Before the implementation of the Social Insurance Law (20 11July1), if the extended payment period is less than fifteen years after five years, it can be paid in one lump sum to fifteen years in the month when the extended payment period is five years.
If the insured person is insured after the implementation of the Social Insurance Law, and the payment period is extended by less than 5 years 15 years, it can be paid to 15 years in one lump sum in the month when the payment period is extended by 5 years. If the payment is still less than 10 years after 5 years' extension, the payment can be extended and paid in one lump sum to 15 years in the month when the actual payment period reaches 10 years. The one-time payment base shall not be lower than the average salary of employees in the city (state) where the one-time payment is made.
7. Does the endowment insurance for flexible employees need to be paid after 15 years, and can enjoy the same salary as others?
In terms of retirement benefits, the calculation method of retirement benefits for flexible employees is the same as that for enterprise employees, including basic pension and personal account pension. After retirement, the pension level, like the retired employees of enterprises, is adjusted every year in accordance with national policies and regulations. The principle of receiving pension is "pay more, pay more for a long time", and there is no fixed grade. It is directly related to the payment period, payment base and the average salary of employees in the previous year when they retire. In other words, the longer the payment period, the higher the payment base, and the more pensions you receive when you retire. Therefore, flexible employees with financial ability can choose a higher payment base and continue to pay after 15 years until they reach retirement age.
8. How to calculate the payment standard for flexible employees?
(1) Flexible employees who participate in the basic old-age insurance for employees also adopt the method of "combining social pooling with individual accounts" like enterprise employees. The payment ratio is 20%, of which 12% is included in the overall social planning, and 8% is included in the personal account, and the interest is calculated according to the bookkeeping rate announced by the whole province.
(2) Monthly payment amount = monthly payment base × payment ratio. For example, if the lower limit of the monthly payment base of 202 1 is 3746 yuan, then the monthly payment amount =3746 yuan× 20% = yuan, and the annual payment amount = 12 = yuan×12 = yuan, of which yuan is included in the personal account (40% of the payment amount is included in the account).
9. Can I apply for retirement insurance before retirement age?
Flexible employees applying for surrender must meet any of the following four conditions: (1) reaching the statutory retirement age and the payment period is insufficient15; (2) Going through the formalities of going abroad to settle down, and the household registration has been cancelled by the domestic public security organs; (3) has died before reaching the statutory retirement age, and the account has been cancelled in the public security organ; (4) Repeated insurance and termination of labor relations. The amount of surrender is the accumulated amount of personal account (including interest).
10. What benefits can the survivors enjoy if an active or retired person dies unfortunately?
If a person who participates in the basic old-age insurance for enterprise employees (including on-the-job employees and retirees) dies due to illness or non-work, his survivors can receive survivors' allowances, including funeral subsidies and pensions. The specific criteria are as follows:
Funeral subsidy standard
According to the death of the insured, the monthly per capita disposable income of urban residents in this province in the previous year was 2 times. In 20021year, the monthly per capita disposable income of urban residents in Hubei province was 3,357 yuan, that is, the funeral subsidy standard in 2022 was 67 14 yuan.
Pension standard
(1) On-the-job personnel (including those who are insured in their personal capacity such as flexible employment)
Based on the monthly per capita disposable income of urban residents in this province last year at the time of death, the number of payment months is determined according to my payment period (including actual payment period and deemed payment period, the same below).
(two) retirees (including retired personnel)
Based on the monthly per capita disposable income of urban residents in this province in the previous year at the time of death, the maximum payment months are determined according to the payment period when I am on the job (the calculation method is the same as that of on-the-job personnel), and the minimum payment months are 9 months for every basic pension I receive 1 year.
It should be noted that funeral expenses and pensions increase with the increase of per capita disposable income of urban residents every year. If the insured person dies due to illness or non-work-related death, and the accumulated payment period is less than 5 years, the standard of survivors' treatment shall not exceed the sum of their individual contributions (flexible employees and other individuals who are insured in their personal capacity are included in personal accounts).