According to Xinhua News Agency’s “13th Five-Year Plan” outline, social insurance premiums will be appropriately reduced. The reporter learned that recently, more than 12 provinces and cities, including Shanghai, Guangdong, Tianjin, Gansu, Jiangxi, and Beijing, have successively issued documents to reduce social insurance rates, focusing on the three major types of insurance: work injury, unemployment, and maternity. 【210D Oxford cloth】
Recently, the basic rates of work-related injury insurance in Beijing and Tianjin have changed from the original Adjusted from 0.5% to 2% to 0.2% to 1.9%. Tianjin proposed to reduce the rate of unemployment insurance paid by enterprises from 2% to 1%, and the rate of maternity insurance paid by enterprises from 0.8% to 0.5%.
As for the reduction of pension and medical insurance premium rates that are generally called for by all walks of life, Shanghai, Hangzhou, Zhejiang, and Xiamen, Fujian are currently involved. . For example, Shanghai has lowered social insurance rates since January 1 this year. Among them, the enterprise payment part of the basic employee pension insurance rate has dropped from 21% to 20%, and the unit payment part of the basic employee medical insurance rate has been adjusted from 11% to 10%. . Hangzhou plans to temporarily reduce the basic medical insurance premiums paid by enterprises for one month each year. According to estimates from the Hangzhou Municipal Human Resources and Social Security Bureau, this move will reduce medical insurance fund income by nearly 1 billion yuan a year in the main urban area of Hangzhou alone, which is equivalent to reducing the rate by more than 1 percentage point.
Does the rate reduction reduce benefits?
According to industry insiders, the current collection of “five insurance” funds and the payment of benefits are not direct. hook up. The level of social security benefits mainly depends on the benefits calculation or reimbursement management methods formulated by the country and various regions. Except for some basic pension benefits, other social security benefits are not directly related to the level of payment rates. 【420D Oxford cloth】
The reporter’s interview found that the current unemployment, work-related injury, and maternity insurance benefits The payment standard is mainly closely related to factors such as the average salary of on-the-job employees, while medical insurance reimbursement is mainly related to the reimbursement scope and reimbursement ratio, and does not involve the payment rate factor. Therefore, as long as the existing social security benefit payment standards do not change, subsequent benefits will not be affected by rate adjustments.
Jin Weigang, director of the Social Security Research Institute of the Ministry of Human Resources and Social Security, said that in consideration of maintaining the legal protection benefits enjoyed by insured persons, In some co-ordination areas, the rates are appropriately reduced in stages and the unit rates are mainly appropriately lowered. Under the conditions that the current collection revenue is greater than the expenditure or relying on financial subsidies or using the accumulated balance of the fund to ensure the balance of fund revenue and expenditure, it is possible to Do not reduce the level of personal protection benefits for relevant insurance types.
How else will the social insurance rate be reduced?
Some local social security departments introduced that due to the annual income of employee pension and medical insurance funds in many areas, There is no offset, so it is difficult to reduce the payment rates of these two insurances, which requires nationwide coordination and promotion. 【600D Oxford cloth】
Jin Weigang said that the Ministry of Human Resources and Social Security and others are currently studying urban workers Basic pension insurance national co-ordination plan. Due to the uneven economic development of various regions and significant differences in population structure and pension insurance fund income and expenditure as well as accumulated balances, it is not possible to achieve fund unification this time through national coordination.�Unified branch. Therefore, after the plan is introduced and implemented, the unification of pension insurance rates in various regions will still need to go through a gradual adjustment process.
Guan Xinping said that the realization of national pension pooling means that funds in areas with large fund balances such as Guangdong will be adjusted to Use it in areas where the balance is small or even the revenue cannot cover the expenses. It is expected that a transition period will be set up after the national pension plan is coordinated, allowing localities to set different rates according to actual conditions, and then gradually narrow the differences to a national unified rate. “This can maximize the support of all parties and reach a consensus.”
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