Five methods of endowment insurance inquiry

Five methods of endowment insurance inquiry

Old-age insurance, the full name of social basic old-age insurance, is a social insurance system established by the state and society according to certain laws and regulations for workers to reach the working age limit stipulated by the state to terminate their labor obligations or to retire from their jobs because of old age. The following are five methods related to pension insurance inquiry that I have compiled for you, which are for reference only and I hope to help you.

Inquiry method of endowment insurance

First, online inquiry:

It is a convenience measure introduced by the social security department for the convenience of the insured. Information centers of local social security bureaus update data. Due to the influence of data entry, financial resources, manpower and technology, it is generally updated once a month. Therefore, the social security data queried online is about one month behind the actual data! (As far as the accuracy of the data is concerned, it is still guaranteed.)

Second, the telephone inquiry:

National unified social security inquiry telephone number: 12333. Of course, many cities don't have this phone number, or they do, but the service can't keep up. The data provided for query is the latest business data as of the last settlement month.

Disadvantages: the opening area is small, the operation is inconvenient, the data is not real-time, and the phone is not easy to connect.

Third, the social security window query:

Social security bureaus all over the country provide special endowment insurance inquiry windows, which is the most traditional inquiry method, and the data inquired here should be the most accurate!

Disadvantages: Time-consuming and laborious. There are many people waiting in line. When employees are in a bad mood, they have to look at their faces. They can only inquire during working hours, so they have to postpone their work vacation!

Four, touch screen query:

There are many places in the social security hall to put touch screens, which is inconvenient. I think it's better for everyone to go directly to the social security hall to check!

Five, SMS, mobile phone query:

Nowadays, mobile phones are very popular, and almost one person is employed. However, mobile phone social security inquiry is still in the initial stage of development, and few cities in China really open mobile phone social security services. It is reported that Shenzhen opened a mobile social security client at the end of 20 12, and connected with relevant departments to establish a docking port. Users can download software and register with their mobile phones, and then inquire about personal account information, balance, social security payment details, medical insurance consumption details, etc. Handle social security card loss reporting and authorization code generation anytime and anywhere.

How to inquire about endowment insurance

Personal endowment insurance provides a multi-level supplement for urban and rural residents in their later years and plays a decisive role. The related information of personal endowment insurance can be realized through personal endowment insurance query, so how to query endowment insurance?

There are four common query methods for social security and endowment insurance. You can choose your own query method according to the following conditions:

1, social security center query

The insured person of endowment insurance can go to the endowment insurance handling office of the social security bureau in each district where the insured person is located, provide relevant certificates, and the handling personnel will inquire about the details of the individual endowment insurance account for you. This kind of person who is in a hurry is a bit of a waste of time.

2. Online inspection

If the inquiry function is enabled in the local labor and social security network, search and click the column of "Inquiry of Personal Account of Endowment Insurance", enter the ID number and password (or social security number) in the box of "Inquiry of Personal Account of Endowment Insurance", and click the "Inquiry" button. This way is the best way to inquire about endowment insurance, which not only saves the trouble of going to the endowment insurance agency, but also saves time. But remember, your password must be remembered well to prevent the inquiry from causing inconvenience.

3. Telephone consultation

Consumers who have insured the basic old-age insurance can call 12333, and can inquire through voice prompts, but they need to provide the insured's name, social security card number and ID number, or inquire about the details of the insured's pension by telephone. This method is more convenient.

4. View personal account statement

Every year, the Social Endowment Insurance Center will send each insured person a personal account statement, and check the payment and account records through the personal account statement.

How do individuals pay endowment insurance?

If you work in a company, the company will generally pay the old-age insurance for you, but some people start their own businesses or do some small businesses themselves, so they need to get insurance themselves. So how do individuals pay endowment insurance?

1. At present, rural insurance is generally handled by village committees and other relevant departments. Residents' insurance is generally co-ordinated and declared by the community, and the rest needs to be paid by businesses and individuals themselves.

2. If you pay insurance in the name of an individual, you need to apply to the social security bureau where your household registration is located. You have to bring your own insurance procedures, including your ID card, two recent one-inch bareheaded photos, insurance premium, application form, and then go through the formalities.

What you need to know is that the social security payment is calculated according to the local social security salary in the previous year, which is different every year. For example, the social security salary in a place is 10000 yuan, so everyone has to pay about 2000 yuan, and the medical insurance payment is 1000 yuan. In fact, the calculation is very simple, just multiply it by 20%.

How many years does endowment insurance have to be paid?

The purpose of endowment insurance is to protect the basic needs of the elderly and provide them with a stable and reliable source of life. So how many years do you have to pay for endowment insurance? Let's have a look.

According to the provisions of the Social Insurance Law, people who have paid the old-age insurance for more than 0/5 years and reached the legal retirement age can enjoy the old-age insurance benefits for life when they retire.

Individuals who were required to participate in the basic old-age insurance in the past must pay a total of 15 years when they reach the statutory retirement age before they can receive the basic old-age pension on a monthly basis. Otherwise, you can only collect the accumulated funds from your personal account at one time. At present, the social insurance law stipulates that those who pay less than 15 years can pay in one lump sum to 15 years and receive the basic pension on a monthly basis.

At present, China's old-age insurance system takes "basic old-age insurance for employees" as the core. That is, after deducting a sum of money from salary every month and reaching the legal retirement age (60 for men and 50 for women), you can receive a pension from the social security system. Receive a basic pension according to regulations until death.

Everyone can choose to pay more endowment insurance, so that you can get more when you retire. Actually, it's more cost-effective to pay more. At the same time, the old-age insurance can accumulate the payment period, which means that everyone can pay if they have money, as long as the cost reaches fifteen years.

Personal endowment insurance inquiry

1. social security center inquiry

If you don't know your social security account number, you can bring your ID card to the business hall of social insurance agencies in various districts to inquire.

Online inquiry

Log in to the city's labor security network or social insurance business website, click the "Personal Social Security Information Inquiry" window, and enter my ID card and password (the password is your social security number or the date of birth of your ID card) to inquire about my insurance information.

3. Telephone consultation

Call the labor and social security comprehensive service telephone number "12333" for policy consultation and information inquiry.

4. The social endowment insurance center will send the personal account statement of the insured person to each insured person every year, and check the payment and account records through the personal account statement.

How to pay personal endowment insurance?

To pay in the name of an individual, you need to apply to the social security bureau where your household registration is located. Insurance procedures include: my ID card, two recent bareheaded one-inch photos, insurance premium, application form, etc. And can only apply for pension and medical insurance.

How much is the personal endowment insurance?

Payment standard: based on the local social wage in the previous year, the pension payment ratio is 20%, and 80% and 100% can be selected.

For example, the average salary of a prefecture-level city is 20,000, then the pension insurance payment is 20,000 * 20% = about 4,000/year, and the medical care is 20,000 *10% = about 2,000/year.

In addition, it is also stipulated that the lowest grade and the highest grade are not less than 60% of the average monthly salary of social workers, and the highest grade is 300% of the average monthly salary of employees. Generally, the lowest grades are mostly.

In addition, the minimum cumulative payment period of endowment insurance is 180 months, that is, 15 years, and medical insurance needs to pay at least 25/30 years. When you reach retirement age, you can apply for pension benefits and medical reimbursement (as long as the renewal premium is normal).

The cumulative payment period refers to the payment period from the payment date to the retirement age. Because the old-age insurance system was implemented late in China, there is still a question about the age of payment, that is, those who worked in state-owned enterprises before 1992 are regarded as the age of payment, and after 1992, they are calculated together with the age of payment. At the same time, the funds in personal accounts are also considered to increase. For example, the length of service before 1992 is 10 years, and the length of service after 1992 is 20 years. If the personal account balance after 1992 is 20,000 yuan, the account before 1992 is regarded as 654.38+00,000 yuan, and the pension is calculated as 30,000 yuan.

How to handle individual endowment insurance?

I. Materials to be provided:

1. Provide personal ID card, household registration book, file card and their copies.

2 employees who have participated in enterprise endowment insurance shall provide pension insurance transfer forms, manuals and account books.

3. Other materials provided as required (recruitment form, officer transfer certificate, etc.). ).

2. Audit materials: After verifying the above materials in accordance with the relevant provisions, the social insurance agency will issue the Registration Form for Basic Information of Employees Participating in Endowment Insurance, Registration Form for Employees Participating in Endowment Insurance in Enterprises in Cities and Towns, Supplementary Payment Form for Employees Participating in Endowment Insurance in Enterprises in Cities and Towns, Summary Form for Payment of Endowment Insurance Fund for Employees in Enterprises in Cities and Towns, Payment Form for Employees Participating in Endowment Insurance in Enterprises in Cities and Towns and some attached tables.

Three. Fill in the form to determine the base of payment salary: after the individual fills in the above form truthfully, the base of payment salary will be determined between three times the average monthly salary of employees in this city in the previous year, and the basic pension will be paid according to 25% of his base of payment salary (1999 -2000). Once the payment wage base is determined, it will remain unchanged for one year.

Four, pay endowment insurance:

1. After checking the contents of the form filled out by the individual item by item, the social insurance department signed the Agreement on Payment of Basic Old-age Insurance for Enterprise Employees in Beijing in duplicate, with each party holding one copy.

2, the social insurance department according to the individual pay salary base, check the amount of basic old-age insurance, and notify the individual to pay the basic old-age insurance fee to the toll station.

3, the social insurance department in the audit of individuals to pay the basic old-age insurance card, issued a social insurance payment card.

4. Individuals must pay the basic old-age insurance premium within the time stipulated by the social insurance department. Failing to pay the basic old-age insurance premium within the time limit shall be deemed to have interrupted the payment by itself and shall not be paid back.

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