Rare major adjustments to social security, provident fund and pension. What changes have been made to the treatment of employees？

　　Zhongxin Jingwei Client, February 21st (Dong Xiangyi) The epidemic in COVID-19 is still going on. During the epidemic, the social security, medical insurance, pension and housing accumulation fund of employees of enterprises ushered in new policies. At the same time, various questions arise — — Does the postponement of provident fund affect employee withdrawal? Can the social security relief policy be paid in full and on time after implementation? Can pensions be paid in full and on time? The Sino-Singapore Jingwei client has been combed in detail.

　　In the data map, Xin Jingwei, Dong Xiangyi, photo

　　Reducing enterprise social security premiums by over 500 billion yuan.

　　— — Ensure that the rights and interests of employees are not affected.

　　On February 18th, the executive meeting of the State Council proposed that the contributions of enterprises’ pension, unemployment and industrial injury insurance units should be reduced in stages to reduce the impact of the epidemic on enterprises, especially small and medium-sized enterprises.

　　On February 20th, You Jun, Vice Minister of the Ministry of Human Resources and Social Security, introduced at the press conference of the State Council Office that the three departments studied and formulated the Notice on Phased Reduction and Exemption of Enterprise Social Insurance Premium, which clarified three measures of exemption, reduction and delay. Provinces can exempt the three social security unit contributions of pension, unemployment and work injury insurance for small and medium-sized enterprises, and the exemption policy will be implemented until June.

　　You Jun said that in the face of sudden epidemic, the phased reduction of social security contributions is a special measure to deal with epidemic emergencies, the first time in the history of social security in China, and it is also in line with the law.

　　Most importantly, the government has proposed to ensure that the rights and interests of employees are not affected and that all social security benefits are paid in full and on time.

　　At the same time, 1.3 trillion state-owned capital will "rush to help" the social security fund.

　　Yu Weiping, Vice Minister of Finance, said on the 20th that by the end of 2019, the central level had completed the transfer of state-owned capital of 81 central enterprises and central financial institutions in four batches, with the transferred state-owned capital of 1.3 trillion yuan, and the transfer at the local level was also being actively promoted. In the next step, we will complete the transfer work with relevant departments in a pragmatic and efficient manner.

　　According to You Jun, it is estimated that this phased relief can reduce the contributions of three social security enterprises by more than 500 billion yuan, compared with more than 400 billion yuan last year.

　　Reduce the medical insurance premium of employees

　　— — Ensure that the insured person’s current treatment is paid.

　　Chen Jinfu, deputy director of the National Health Insurance Bureau, said on the 20th that considering the local conditions, the provincial government will make a decision to halve the basic medical insurance premium paid by the unit in stages on the premise of ensuring the balance of funds and the long-term balance, and ensuring the conditions to be paid, from February to May at the longest. According to a preliminary calculation, the tax reduction measures can reduce the burden on enterprises by up to 150 billion yuan, which is effective in supporting enterprises to return to work and reducing the burden on enterprises.

　　Can the policy ensure the normal distribution of employee medical insurance? Chen Jinfu said that at present, the basic medical insurance for employees has the ability to support the measure of halving, which strongly supports the development of enterprises and also ensures the payment of the current benefits of the insured.

　　At the same time, Xiong Xianjun, director of the Department of Medicine Management of the National Medical Insurance Bureau, said that for some medical insurance handling businesses that cannot pay basic medical insurance premiums on time due to the epidemic, non-urgent matters will be postponed, and it is clear that insured units and individuals can postpone the payment of medical insurance premiums. The deferred payment period does not affect the enjoyment of medical insurance benefits.

　　Peking Union Medical College Hospital Toll Office. Zhongxin Jingwei Dong Xiangyi photo

　　Enterprises can postpone the payment of provident fund until June 30th.

　　— — Does not affect employees’ withdrawal and application for loans.

　　Ni Hong, vice minister of the Ministry of Housing and Urban-Rural Development, said on the 20th that it is clear in the three-stage support policies on housing provident fund that enterprises can apply for deferring the housing provident fund before June 30 according to regulations.During the holdover period, the deposit time is calculated continuously.Does not affect the normal withdrawal and application of housing provident fund loans for each employee.

　　At the same time, it is also beneficial to the rental group:Employees who are under pressure to pay rent can reasonably increase the amount of housing rent withdrawal and flexibly arrange the withdrawal time.

　　"Delayed payment of the provident fund will not have too much impact on property buyers or employees, so don’t worry too much. For medical staff, if the provident fund loan cannot be repaid normally, it will not be treated as overdue. " Yan Yuejin, research director of the think tank center of Yiju Research Institute, said.

　　It is worth noting that because many places will stipulate the "continuity" of social security and provident fund, the continuous payment period of the two is directly "linked" to the qualification of buying a house. Does the new policy of social security exemption and provident fund deferred payment affect the qualification of employees to buy houses?

　　Experts said that the phased reduction of social security fees is a government decision and government action. Therefore, it should not affect the calculation period for ordinary employees to pay social security continuously, and the reduction period should also be calculated into the period for determining the qualification of buying a house. I believe that government departments will have a good policy docking.

　　Pensions were reduced by 471.4 billion

　　— — To ensure timely and full payment.

　　Can pensions be paid on time during the epidemic? This official has given "reassurance". And see what voices the ministries have:

　　Yu Weiping said on the 20th that although the fund income has decreased due to the phased fee reduction policy, the overall impact is controllable, ensuring that pensions are paid in full and on time.

　　It is reported that the old-age insurance system is generally running smoothly. Although the pressure of fund income and expenditure has increased in some areas with the aging population, the accumulated balance of the fund is still increasing. By the end of 2019, the accumulated balance of the basic endowment insurance fund for enterprise employees nationwide was nearly 5 trillion yuan. The phased fee reduction policy introduced this time is expected to reduce pensions by 471.4 billion yuan.

　　Yu Weiping pointed out that this year, we will continue to increase subsidies to help local governments ease the pressure on the fund due to phased fee reduction; Strengthen the central adjustment of endowment insurance funds; Increase the transfer of some state-owned capital to enrich the social security fund; In addition, accelerate the establishment of a national overall planning system for basic old-age insurance, establish and improve a reasonable adjustment mechanism for basic old-age insurance premiums, and enhance the sustainability of the system.

　　The General Office of the Ministry of Human Resources and Social Security recently issued a notice, alsoIt is clearly required to ensure that all social insurance benefits are paid in full and on time..

　　Local human and social departments also made it clear that pensions would be paid on time. The Beijing Municipal Bureau of Human Resources and Social Security explicitly requested that the social security agencies at all levels in the city work with the social security issuing banks to ensure that the pensions of enterprise retirees in Beijing in February will be received on the 15th of this month.

　　"We will ensure that pensions are paid in full and on time, and earnestly safeguard the pension rights of retirees." Yu Weiping emphasized this. (Zhongxin Jingwei APP)