重庆市城镇职工养老保险政策解读
<P style="LINE-HEIGHT: 29pt; TEXT-INDENT: 29.5pt; MARGIN: 0cm 0cm 0pt; mso-char-indent-count: 1.96; mso-line-height-rule: exactly" class=MsoNormal><B style="mso-bidi-font-weight: normal"><SPAN style="FONT-FAMILY: 仿宋_GB2312; FONT-SIZE: 15pt" lang=EN-US><?xml:namespace prefix = o ns = "urn:schemas-microsoft-com:office:office" /><o:p></o:p></SPAN></B></P><P style="LINE-HEIGHT: 29pt; TEXT-INDENT: 29.5pt; MARGIN: 0cm 0cm 0pt; mso-char-indent-count: 1.96; mso-line-height-rule: exactly" class=MsoNormal><B style="mso-bidi-font-weight: normal"><SPAN style="FONT-FAMILY: 仿宋_GB2312; FONT-SIZE: 15pt">一、哪些人员可以何种方式参加城镇职工基本养老保险？<SPAN lang=EN-US><o:p></o:p></SPAN></SPAN></B></P><P style="LINE-HEIGHT: 29pt; TEXT-INDENT: 30pt; MARGIN: 0cm 0cm 0pt; mso-char-indent-count: 2.0; mso-line-height-rule: exactly" class=MsoNormal><SPAN style="FONT-FAMILY: 仿宋_GB2312; FONT-SIZE: 15pt">答：（一）在城镇各类企业（单位）就业的职工，应以单位职工身份参保。<SPAN lang=EN-US><o:p></o:p></SPAN></SPAN></P><P style="LINE-HEIGHT: 29pt; TEXT-INDENT: 30pt; MARGIN: 0cm 0cm 0pt; mso-char-indent-count: 2.0; mso-line-height-rule: exactly" class=MsoNormal><SPAN style="FONT-FAMILY: 仿宋_GB2312; FONT-SIZE: 15pt">（二）灵活就业人员和个体工商户，可以个人身份参保。<SPAN style="COLOR: red" lang=EN-US><o:p></o:p></SPAN></SPAN></P><P style="LINE-HEIGHT: 29pt; TEXT-INDENT: 30pt; MARGIN: 0cm 0cm 0pt; mso-line-height-rule: exactly" class=MsoNormal><SPAN style="FONT-FAMILY: 仿宋_GB2312; FONT-SIZE: 15pt">（三）因土地被依法征收（用）进行了城镇居民身份登记的被征地农转非人员；按户籍制度改革规定，成户转户并退出宅基地的退地农转城人员；在<?xml:namespace prefix = st1 ns = "urn:schemas-microsoft-com:office:smarttags" /><st1:chsdate w:st="on" IsROCDate="False" IsLunarDate="False" Day="30" Month="6" Year="2011"><SPAN lang=EN-US>2011</SPAN>年<SPAN lang=EN-US>6</SPAN>月<SPAN lang=EN-US>30</SPAN>日前</st1:chsdate>，具有本市城镇户籍，且在城镇用人单位未参保超龄达法定退休年龄的人员，按照相关规定参保缴费，纳入城镇职工基本养老保险体系进行管理。<SPAN lang=EN-US><o:p></o:p></SPAN></SPAN></P><P style="LINE-HEIGHT: 29pt; TEXT-INDENT: 30pt; MARGIN: 0cm 0cm 0pt; mso-line-height-rule: exactly" class=MsoNormal><B style="mso-bidi-font-weight: normal"><SPAN style="FONT-FAMILY: 仿宋_GB2312; FONT-SIZE: 15pt" lang=EN-US><o:p> </o:p></SPAN></B></P><P style="LINE-HEIGHT: 29pt; TEXT-INDENT: 30pt; MARGIN: 0cm 0cm 0pt; mso-line-height-rule: exactly" class=MsoNormal><B style="mso-bidi-font-weight: normal"><SPAN style="FONT-FAMILY: 仿宋_GB2312; FONT-SIZE: 15pt">二、参保人员在哪里办理参保缴费？<SPAN lang=EN-US><o:p></o:p></SPAN></SPAN></B></P><P style="LINE-HEIGHT: 29pt; MARGIN: 0cm 0cm 0pt; mso-line-height-rule: exactly" class=MsoNormal><SPAN style="FONT-FAMILY: 仿宋_GB2312; FONT-SIZE: 15pt" lang=EN-US><SPAN style="mso-spacerun: yes"> </SPAN></SPAN><SPAN style="FONT-FAMILY: 仿宋_GB2312; FONT-SIZE: 15pt">答：有用人单位的，由用人单位统一向其纳税所在地社会保险经办机构申报办理职工参保缴费，缴费比例为<SPAN lang=EN-US>28%</SPAN>，其中单位承担<SPAN lang=EN-US>20%</SPAN>，职工个人承担<SPAN lang=EN-US>8%</SPAN>；无用人单位的，原则上在本人户口所在地社会保险经办机构办理参保缴费，缴费比例为<SPAN lang=EN-US>20%</SPAN>。<SPAN lang=EN-US><o:p></o:p></SPAN></SPAN></P><P style="LINE-HEIGHT: 29pt; MARGIN: 0cm 0cm 0pt; mso-line-height-rule: exactly" class=MsoNormal><SPAN style="FONT-FAMILY: 仿宋_GB2312; FONT-SIZE: 15pt" lang=EN-US><SPAN style="mso-spacerun: yes"> </SPAN><o:p></o:p></SPAN></P><P style="LINE-HEIGHT: 29pt; MARGIN: 0cm 0cm 0pt; mso-line-height-rule: exactly" class=MsoNormal><B style="mso-bidi-font-weight: normal"><SPAN style="FONT-FAMILY: 仿宋_GB2312; FONT-SIZE: 15pt" lang=EN-US><SPAN style="mso-spacerun: yes"> </SPAN></SPAN></B><B style="mso-bidi-font-weight: normal"><SPAN style="FONT-FAMILY: 仿宋_GB2312; FONT-SIZE: 15pt">三、如因工作变更或户籍迁移，是否需要办理养老保险关系转移？<SPAN lang=EN-US><o:p></o:p></SPAN></SPAN></B></P><P style="LINE-HEIGHT: 29pt; TEXT-INDENT: 30pt; MARGIN: 0cm 0cm 0pt; mso-line-height-rule: exactly" class=MsoNormal><SPAN style="FONT-FAMILY: 仿宋_GB2312; FONT-SIZE: 15pt">答：（一）工作单位变更<SPAN lang=EN-US><o:p></o:p></SPAN></SPAN></P><P style="LINE-HEIGHT: 29pt; TEXT-INDENT: 30pt; MARGIN: 0cm 0cm 0pt; mso-line-height-rule: exactly" class=MsoNormal><SPAN style="FONT-FAMILY: 仿宋_GB2312; FONT-SIZE: 15pt">单位职工因工作单位变动，必须到参保地社会保险经办机构申请办理基本养老保险关系转移手续，如新进单位是市外的，转移养老保险关系的同时，还需转移养老保险基金。<SPAN lang=EN-US><o:p></o:p></SPAN></SPAN></P><P style="LINE-HEIGHT: 29pt; TEXT-INDENT: 30pt; MARGIN: 0cm 0cm 0pt; mso-line-height-rule: exactly" class=MsoNormal><SPAN style="FONT-FAMILY: 仿宋_GB2312; FONT-SIZE: 15pt">（二）户籍迁移<SPAN lang=EN-US><o:p></o:p></SPAN></SPAN></P><P style="LINE-HEIGHT: 29pt; TEXT-INDENT: 30pt; MARGIN: 0cm 0cm 0pt; mso-line-height-rule: exactly" class=MsoNormal><SPAN style="FONT-FAMILY: 仿宋_GB2312; FONT-SIZE: 15pt">个人参保人员户籍迁移，若户籍迁移未跨区（县、自治县），不需办理养老保险关系转移手续；若户籍迁移跨区（县、自治县），则需办理养老保险关系转移手续；若户籍迁移出市外的，除需办理养老保险关系转移手续外，还需转移养老保险基金。<SPAN lang=EN-US><o:p></o:p></SPAN></SPAN></P><P style="LINE-HEIGHT: 29pt; TEXT-INDENT: 30pt; MARGIN: 0cm 0cm 0pt; mso-line-height-rule: exactly" class=MsoNormal><B style="mso-bidi-font-weight: normal"><SPAN style="FONT-FAMILY: 仿宋_GB2312; FONT-SIZE: 15pt" lang=EN-US><o:p> </o:p></SPAN></B></P><P style="LINE-HEIGHT: 29pt; TEXT-INDENT: 30pt; MARGIN: 0cm 0cm 0pt; mso-line-height-rule: exactly" class=MsoNormal><B style="mso-bidi-font-weight: normal"><SPAN style="FONT-FAMILY: 仿宋_GB2312; FONT-SIZE: 15pt">四、参保人员何时可以领取养老保险待遇？<SPAN lang=EN-US><o:p></o:p></SPAN></SPAN></B></P><P style="LINE-HEIGHT: 29pt; TEXT-INDENT: 31.5pt; MARGIN: 0cm 0cm 0pt; mso-line-height-rule: exactly" class=MsoNormal><SPAN style="FONT-FAMILY: 仿宋_GB2312; FONT-SIZE: 15pt">答：（一）领取待遇条件<SPAN lang=EN-US><o:p></o:p></SPAN></SPAN></P><P style="LINE-HEIGHT: 29pt; TEXT-INDENT: 30pt; MARGIN: 0cm 0cm 0pt; mso-char-indent-count: 2.0; mso-line-height-rule: exactly" class=MsoNormal><SPAN style="FONT-FAMILY: 仿宋_GB2312; FONT-SIZE: 15pt">第一，参加了城镇职工基本养老保险并按规定缴纳了基本养老保险费。<SPAN lang=EN-US><o:p></o:p></SPAN></SPAN></P><P style="LINE-HEIGHT: 29pt; TEXT-INDENT: 30pt; MARGIN: 0cm 0cm 0pt; mso-char-indent-count: 2.0; mso-line-height-rule: exactly" class=MsoNormal><SPAN style="FONT-FAMILY: 仿宋_GB2312; FONT-SIZE: 15pt">第二，达到规定退休年龄，即：男年满<SPAN lang=EN-US>60</SPAN>周岁，从事工人岗位的女职工年满<SPAN lang=EN-US>50</SPAN>周岁，从事管理岗位的女职工年满<SPAN lang=EN-US>55</SPAN>周岁。女性个人参保人员<st1:chsdate w:st="on" IsROCDate="False" IsLunarDate="False" Day="1" Month="1" Year="1996"><st1:chsdate w:st="on" IsROCDate="False" IsLunarDate="False" Day="1" Month="1" Year="1996"><SPAN lang=EN-US>1996</SPAN>年<SPAN lang=EN-US>1</SPAN>月<SPAN lang=EN-US>1</SPAN>日</st1:chsdate>前</st1:chsdate>参加企业职工基本养老保险的，年满<SPAN lang=EN-US>50</SPAN>周岁，<st1:chsdate w:st="on" IsROCDate="False" IsLunarDate="False" Day="1" Month="1" Year="1996"><SPAN lang=EN-US>1996</SPAN>年<SPAN lang=EN-US>1</SPAN>月<SPAN lang=EN-US>1</SPAN>日</st1:chsdate>及其以后参加企业职工基本养老保险的，年满<SPAN lang=EN-US>55</SPAN>周岁。<SPAN lang=EN-US><o:p></o:p></SPAN></SPAN></P><P style="LINE-HEIGHT: 29pt; TEXT-INDENT: 30pt; MARGIN: 0cm 0cm 0pt; mso-char-indent-count: 2.0; mso-line-height-rule: exactly" class=MsoNormal><SPAN style="FONT-FAMILY: 仿宋_GB2312; FONT-SIZE: 15pt">第三，缴费年限累计满<SPAN lang=EN-US>15</SPAN>年及其以上。<SPAN lang=EN-US><o:p></o:p></SPAN></SPAN></P><P style="LINE-HEIGHT: 29pt; TEXT-INDENT: 30pt; MARGIN: 0cm 0cm 0pt; mso-char-indent-count: 2.0; mso-line-height-rule: exactly" class=MsoNormal><SPAN style="FONT-FAMILY: 仿宋_GB2312; FONT-SIZE: 15pt">（二）手续办理<SPAN lang=EN-US><o:p></o:p></SPAN></SPAN></P><P style="LINE-HEIGHT: 29pt; TEXT-INDENT: 30pt; MARGIN: 0cm 0cm 0pt; mso-char-indent-count: 2.0; mso-line-height-rule: exactly" class=MsoNormal><SPAN style="FONT-FAMILY: 仿宋_GB2312; FONT-SIZE: 15pt">参保人员达到待遇领取条件的当月，单位职工由用人单位统一向参保地社会保险经办机构申报办理职工领取养老待遇的审核手续；个人参保人员由本人向参保地社会保险经办机构申报办理领取养老待遇的审核手续。次月由参保地人力社保局审批，并从审批之月起领取养老待遇。<SPAN lang=EN-US><o:p></o:p></SPAN></SPAN></P><P style="LINE-HEIGHT: 29pt; TEXT-INDENT: 31.5pt; MARGIN: 0cm 0cm 0pt; mso-line-height-rule: exactly" class=MsoNormal><SPAN style="FONT-FAMILY: 仿宋_GB2312; FONT-SIZE: 15pt">（三）养老待遇领取<SPAN lang=EN-US><o:p></o:p></SPAN></SPAN></P><P style="LINE-HEIGHT: 29pt; TEXT-INDENT: 31.5pt; MARGIN: 0cm 0cm 0pt; mso-line-height-rule: exactly" class=MsoNormal><SPAN style="FONT-FAMILY: 仿宋_GB2312; FONT-SIZE: 15pt">退休人员基本养老金由城镇职工基本养老保险经办机构委托银行代发。领保人凭银行存折（卡）到银行各营业网点领取基本养老金。<SPAN lang=EN-US><o:p></o:p></SPAN></SPAN></P><P style="LINE-HEIGHT: 29pt; TEXT-INDENT: 30.1pt; MARGIN: 0cm 0cm 0pt; mso-char-indent-count: 2.0; mso-line-height-rule: exactly" class=MsoNormal><B style="mso-bidi-font-weight: normal"><SPAN style="FONT-FAMILY: 仿宋_GB2312; FONT-SIZE: 15pt" lang=EN-US><o:p> </o:p></SPAN></B></P><P style="LINE-HEIGHT: 29pt; TEXT-INDENT: 30.1pt; MARGIN: 0cm 0cm 0pt; mso-char-indent-count: 2.0; mso-line-height-rule: exactly" class=MsoNormal><B style="mso-bidi-font-weight: normal"><SPAN style="FONT-FAMILY: 仿宋_GB2312; FONT-SIZE: 15pt">五、领取城镇职工养老待遇人员死亡后，可以享受哪些待遇？<SPAN lang=EN-US><o:p></o:p></SPAN></SPAN></B></P><P style="LINE-HEIGHT: 29pt; TEXT-INDENT: 30pt; MARGIN: 0cm 0cm 0pt; mso-char-indent-count: 2.0; mso-line-height-rule: exactly" class=MsoNormal><SPAN style="FONT-FAMILY: 仿宋_GB2312; FONT-SIZE: 15pt">答：领取城镇职工养老待遇人员从其死亡的次月起停发养老待遇，其直系亲属应凭死亡人员的死亡证明或火化证明，到参保地社会保险经办机构申报办理领取死亡待遇相关手续。死亡待遇包含丧葬费和一次性救济金，其中，丧葬费为<SPAN lang=EN-US>2000</SPAN>元，一次性救济金为死者生前最后<SPAN lang=EN-US>1</SPAN>个月基本养老金的<SPAN lang=EN-US>15</SPAN>个月。同时，领取养老待遇人员死亡时，如个人账户还有余额的，应退还其直系亲属。</SPAN></P><P style="LINE-HEIGHT: 29pt; TEXT-INDENT: 30pt; MARGIN: 0cm 0cm 0pt; mso-char-indent-count: 2.0; mso-line-height-rule: exactly" class=MsoNormal><SPAN style="FONT-FAMILY: 仿宋_GB2312; FONT-SIZE: 15pt"><SPAN lang=EN-US><o:p><IMG src="http://ww4.sinaimg.cn/bmiddle/e749f79dgw1ea92lw6yrej20qo0k0n36.jpg"></o:p></SPAN></SPAN></P>
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