Personal pension fund account collection process

In China, the state law forces employers to pay social endowment insurance for workers according to law. This group of people is usually called unit endowment insurance. But not everyone goes to work, some choose to start their own businesses, and some are freelancers.

First, how to buy personal pension insurance?

1. The insured shall go through the registration formalities at the village (neighborhood) committee with the original and photocopy of his ID card and household registration book.

2. The insured person chooses the payment grade independently and fills in the relevant information. If he is unable to fill it out, the village assistant will help him fill it out, but he must sign and seal it and leave his fingerprint for confirmation.

3, the annual payment, fill in the "registration form" for the first time;

4. After checking the insured information, the village assistant will submit the relevant materials to the town labor insurance office for review.

5, review the qualification of urban labor insurance payment, check the insurance and payment information, payment details, and input the payment information into the provincial information system.

6. The village assistance is centralized by the village insured person to the Postal Savings Bank or by the insured person himself to the Postal Savings Bank.

7, the village to help the unified payment and the insured person to pay their own fees to the town labor insurance office for payment confirmation.

8. The county agricultural insurance office will check the payment information reported by the town labor insurance and the receipt of the financial institution. After it is correct, the transitional household fund will be withheld and transferred to the income account of urban and rural residents' insurance fund, and the payment information will be confirmed by the system. The county finance department shall submit the payment information of the insured person in the current year, and apply for the personal payment subsidy in the current year, which shall be included in the personal account.

9, the county finance bureau allocated grant funds.

II. Collection Process of Social Endowment Insurance for Urban and Rural Residents

1, the town labor insurance office will inform the village to help with the collection procedures after generating the situation of the treatment recipients every month.

2. The village helps to inform the insured.

3. The insured person shall submit the original and photocopy of the ID card, residence booklet, payment passbook and other materials to the village assistance.

4, the village assistant trial, and submitted to the town labor insurance audit.

5, urban labor insurance audit report to the county agricultural insurance office.

6, the county agricultural insurance department review, meet the conditions of the approved pension benefits.

7. The county rural commercial bank generates a passbook and issues it to a personal account.

8, the county agricultural insurance audit, issuing bank passbook.

9, the town labor insurance office to receive a bank passbook, issued by the village assistant.

10. Beneficiaries bring their ID cards to the village assistance office to collect bank passbook.

Three. Certification process of social endowment insurance for urban and rural residents

1. The village assistant informs the pensioner to carry out survival qualification certification. Pensioners bring their ID cards and household registration books to the community (village) labor protection station where the household registration is located to fill in the certificate. After signing, he will give it to the village assistant. People living in different places can download the notice online, then authenticate it at their place of residence and mail it to the village assistant.

2. The community (village) assistant shall review relevant materials, sign opinions after confirmation, affix the official seal of the community (village) committee, and report to the town labor protection office.

3. The information about the temporary suspension of receiving pension by the personnel in the first instance of the urban labor insurance institute shall be signed and stamped with the county-level agricultural insurance office seal after confirmation.

4. After the county-level agricultural insurance department examines and confirms the relevant information, those who pass the certification can continue to enjoy the pension insurance benefits. Those who fail to pass the certification within the time limit will suspend the pension insurance benefits from the next month after the certification, and the normal payment can be resumed in the next month after the certification.

Fourth, how to buy personal pension insurance?

The purchase method of commercial endowment insurance: firstly, you should choose according to the reputation and claims of insurance companies, and also according to whether you buy traditional commercial endowment insurance or one of investment-linked commercial endowment insurance, universal commercial endowment insurance and two-way commercial endowment insurance; In the way of premium payment, because the difference of payment affects the change of premium, it is suggested that individuals decide the payment period according to their actual economic situation, or shorten the payment period appropriately, because the shorter the payment period, the less the total premium they need to pay.

Verb (abbreviation of verb) Procedures for handling commercial endowment insurance.

1, bring your ID card to the insurance company to buy;

2. Telephone purchase:

(1) Call the insurance company;

(2) Explain to the customer service the types of commercial insurance to be purchased;

(3) If the insurance is confirmed, the customer service will send someone to send the quotation to the designated place the next day. After confirming that the quotation is correct, I will sign and pay the money, and the insurance policy will arrive in my hand one day later.

As can be seen from the above, you can choose social endowment insurance or commercial endowment insurance for urban and rural residents according to your actual situation, although the two are somewhat different. But the ultimate goal of the two is the same, both to protect the life of retirement in the future.