Category: Insurance tips Release Date: 2006-08-01
China Insurance Regulatory Commission recently on the new "old-age insurance management approach (Draft)" to the public and to solicit opinions and hope that through the comments regulate pension insurance business practices, protect the legitimate rights and interests of the insured and the beneficiary. Learned of the news, recently many people call the newspaper raised a number of questions, the reporters found that public pension insurance informants little sensitive issues.
50 million Social Security shortfall is worrying <br> <br> Haikou, near the Social Security old-age pensions
Years, the situation has been more severe, the city is currently enjoying retirement pension treatment and 8 million people, social security fees collection work resistance is very large, the amount of arrears accumulated last year, has reached more than 5000 million people, while at present a lot of social practitioners, especially the 25 aged between the ages of 40 young people, in order to continue to allow salary to "upgrade", frequent replacement of jobs, ignoring the old-age insurance. Some practitioners work for a few years later for their pension insurance concerns, worried about their old age without protection.
Switch to the employment pension age could be combined <br> <br>'s survey found that members of the public due to replacement work caused by the middle of an empty old-age insurance to pay very much concerned about such issues, the reporter was informed that the provincial IESS interview, according to "employees in cities and towns in Hainan Province the basic pension insurance regulations, "provides that employees in our province because of interruption of employment, unemployment or other reasons, the re-employment after continuing to pay the basic old-age insurance, the basic old-age insurance premium paid after the number of years can be combined; no re-employment, in meet the state retirement age, you can also enjoy the basic old-age life in accordance with pay insurance benefits.
"Sea" participate in the insurance business in their personal capacity
This reporter learned that the scope of the current social security administration under the territoriality principle, the general practitioners insured where the enterprises and institutions in their own city, county social security departments concerned. However, freelancers, self-employed, no work but a normal legitimate income, you can personal capacity enrollment. According to grade according to its own choice to determine the proportion of old-age insurance payment. At the same time, Haikou on the self-employed households to pay and payment of pension insurance is also clearly stipulates: enterprises, institutions or the national civil service employees have participated in the original unit of pension insurance, and then went into private labor, pension insurance premiums paid during the years can also be combined, to the city after retirement, social security institutions designated distribution centers to receive pensions.
To pay 15 years of life-long enjoyment of old-age insurance <br> <br> According to reports, in accordance with "employees in cities and towns in Hainan Province basic pension insurance regulations," provides that: In the January 1, 1998 after participating in basic pension insurance at least 15 years, retired the enjoyment of basic pension after treatment, until I died; the basic pension insurance to retirement age when the payments total less than 15 years after retirement are not entitled to the basic pension treatment, their personal accounts to pay off the amount I saved.
Commercial pension insurance can supplement the social security <br> <br> a lot of people are now the basic old-age social pension insurance and commercial insurance purposes partition fuzzy, this reporter learned that Social Security as a mandatory insurance, pension insurance with the business on a non-mandatory distinction between external Both have very close links. Members of the public after retirement in order to maintain a high standard of living, social security old-age pension alone is not enough, and a suitable small amount of supplementary pension insurance business becomes necessary, the experts recommended the purchase of commercial pension insurance supplement received old-age pensions account for all future costs 25-40% more appropriate.
