Basic pension insurance for enterprise employees
VS
Basic endowment insurance for urban and rural residents
is two different pension systems
What’s the difference between the two
your doubts< /span>
Editor’s explanation
Let’s take a look!
The insured objects are different
Basic pension insurance for enterprise employees
①All kinds of enterprises, social groups, individual industrial and commercial households and other insured units and their employees; government agencies and institutions employ external personnel;
span>
②Flexible employment personnel.
< span>Basic endowment insurance for urban and rural residents
①Having a household registration in the city, annual Urban and rural residents over the age of 16 (excluding school students) who are not covered by the basic endowment insurance system for enterprise employees;
(After reaching the age of 60, those whose household registration has moved into the city from outside the city can apply for the initial insurance after three years.)
②Age over 16 years old and the residence certificate for Hong Kong, Macao and Taiwan residents states that the place of residence is this city , Hong Kong, Macao and Taiwan residents who have not participated in the basic endowment insurance for enterprise employees in our city.
< span>Key points
Participate in the basic endowment insurance for urban and rural residentsYes Household registration restrictions, participation in the basic pension insurance for enterprise employees no household registration restrictions.
insured Mandatory difference
Basic pension insurance for enterprise employees
①The employer and its employees must lawfullyinsured;
②Flexible employees can voluntarily participate in insurance.
< span>Basic endowment insurance for urban and rural residents
voluntary Enrolled.
Different payment methods and standards< /p>
Basic pension insurance for enterprise employees
Monthly billed
Chengdu from January 2022
Employer pension insurance payment base
The unit participates in the insurance, and the endowment insurance fee is jointly paid by the unit and the employee. The payment amount of enterprise employee endowment insurance = payment base x payment ratio. The payment base is based on the employee’s actual wage income (the upper and lower limits of the payment base are determined by 300% and 60% of the “full-caliber provincial average wage” of the previous year respectively), and the unit payment ratio is 16 %, and the personal contribution rate is 8%.
2022 From January 2019, Chengdu
flexible employment personnel pay pension insurance premiums< /span>
(Note: Because the 2021 full-caliber provincial average salary has not yet been released, it is temporarily based on the 2020 full-caliber provincial average salary The salary is 74,520 yuan to determine the upper and lower limits of the basic pension insurance payment base. After the release of the full-caliber provincial average salary in 2021, the 2021 full-caliber provincial average salary will be approved.)
Basic endowment insurance for urban and rural residents
Annual payment
2022 Urban and Rural Residents
Basic pension insurance payment amount
Different retirement ages
Basic endowment insurance for enterprise employees
Participation in insurance span>
Male staff: over 60 years old
Female staff: over the age of working in management and technical positions 55 years old, 50 years old for working in production, operation and service positions.
Flexible Employment
Men over 60 years of age
Women over 50 years of age
(Note: with Female employees who were in management and technical positions before the company dissolved or terminated the labor relationship, reached the age of receiving basic pensions for individual insured persons, and the actual payment period for continuing to pay employees’ basic endowment insurance premiums as individual insured persons should be at least 2 years. and above.)
Basic endowment insurance for urban and rural residents
60 years old or older (same for men and women)
But they also have something in common
p>
1. Whether you are participating in the basic endowment insurance for enterprise employees or the basic endowment insurance for urban and rural residents, the requirements for the cumulative payment period when receiving endowment benefits are full Fifteen years;
2. “The more you pay, the more you get, the more you pay for a long time”;
3. Only one endowment insurance treatment can be enjoyed, and repeated participation is not allowed.
OK< /p>
Now guys
Do you understand it< /p>
Don’t forget to forward it to your friends