Social security is a social insurance system established by the state to meet the basic social security needs of the people. Its importance cannot be overlooked.
It is precisely because of the importance that rumors about social security will always come out from time to time to mislead everyone, and if you are blindly gullible, it may bring unnecessary troubles and losses.
1. Every 5 years of social security payment, the pension will be a grade higher?
The basic old-age insurance for urban workers must meet two conditions at the same time to receive the pension:
One is to reach the statutory retirement age;
Second, the total payment period has been accumulated for 15 years.
According to the current basic pension calculation and distribution method for urban employees, the level of pension insurance benefits is calculated by the comprehensive calculation of the payment period (including the deemed payment period), the average monthly salary of the city's employees in the previous year at the time of retirement, the payment base, the accumulated principal and interest savings of personal accounts, and the number of months of pension calculation.
Moreover, the pension insurance treatment follows the principle of "pay more, pay more, pay more", the longer the payment period, the higher the level of payment, and the higher the pension treatment enjoyed.
It can be seen that there is no fixed "grade" of pension level.
2. Will the payment period be recalculated if the social security payment is stopped?
No, it won't. According to the relevant regulations, the payment period before and after the interruption of payment can be cumulatively calculated.
For example, Mr. Zhang joined Unit A in April 2010 and left in March 2015 for 5 years. Later, Mr. Zhang joined Unit B in July 2015 and left again in June 2020, during which he paid social security contributions for 5 years.
Mr. Zhang's current pension insurance payment period is calculated cumulatively as 5 years + 5 years = 10 years.
3. Can the personal pension be withdrawn after payment?
If a personal pension participant pays due to operational errors or other reasons, he or she may apply for repatriation through the offline outlets of the opening bank within 5 days from the date of the payment of the person's personal pension fund account (exclusive).
Participants can apply for a withdrawal of a single contribution to a personal pension within a calendar year.
The depositary bank shall, as required, improve the information system in a timely manner, and handle the withdrawal of payment for the participant after being verified by the personal pension information management service platform.
The withdrawal of a single payment does not belong to receiving a personal pension, and the individual income tax is not withheld and paid according to the receipt of the personal pension.
4. When an employee is injured at work, he or she cannot enjoy benefits if he or she is not insured?
In the event of a work-related injury, employees can enjoy work-related injury insurance benefits after being identified. Paragraph 2 of Article 43 of the Regulations on Work-related Injury Insurance clearly stipulates that if an employee of an employer who should participate in work-related injury insurance but does not participate in work-related injury insurance suffers a work-related injury, the employer shall pay the expenses in accordance with the work-related injury insurance benefits and standards stipulated in these Regulations.
At the same time, for employers who should participate in work-related injury insurance in accordance with the provisions of the Regulations on Work-related Injury Insurance but fail to do so, Paragraphs 1 and 3 of Article 43 of the Regulations clearly stipulate that the social insurance administrative department shall order the employer to participate in the work-related injury insurance within a time limit, make up the work-related injury insurance premiums that should be paid, and impose a late payment penalty of 5/10,000 per day from the date of non-payment; If the payment is still not made within the time limit, a fine of not less than 1 time but not more than 3 times the amount of the outstanding payment shall be imposed. After the employer participates in the work-related injury insurance and pays the work-related insurance premiums and late fees that should be paid, the work-related injury insurance** and the employer shall pay the newly incurred expenses in accordance with the provisions of these Regulations.
Article 12 of the Opinions of the Ministry of Human Resources and Social Security on Several Issues Concerning the Implementation of the Regulations on Work-related Injury Insurance clearly states that "newly incurred expenses" refer to the new expenses incurred after the work-related injury insurance is incurred before the employee of the employer participates in the work-related injury insurance.
All kinds of rumors about social security emerge in endlessly, we should pay attention to screening, take the policy as the standard, do not blindly credulously, avoid unnecessary troubles and losses, if you do not understand or have questions about the social security policy, you can talk about Xiaodou, Xiaodou will reply to you as soon as you see it.