How to receive the occupational annuity of retirees?

Before answering the question, let's know what an occupational annuity is.

Occupational annuity refers to the supplementary old-age insurance system established by institutions and their staff on the basis of participating in the basic old-age insurance of institutions. Occupational annuity is a supplementary old-age insurance system, which is neither social insurance nor commercial insurance, but a unit welfare system. Institutions and institutions began to implement the occupational annuity system from 20 14 10 1.

Now answer the main question back and forth: how to collect the occupational annuity of retirees?

At present, there are several ways to receive occupational annuities:

1. The personnel going abroad (border) can pay me in one lump sum according to my requirements;

2. If a staff member dies while in office, the personal account balance of his occupational annuity can be inherited;

3. After retirement, choose the way to receive occupational annuity treatment on a monthly basis. It can be used to purchase commercial endowment insurance products at one time, receive treatment according to the insurance contract and enjoy the corresponding inheritance rights; When you retire, you can choose to calculate and pay the monthly treatment standard of occupational annuity according to the corresponding calculation month, and the personal account balance of occupational annuity has the right of inheritance. I won't change after I choose any payment method.

In addition, when changing the work unit, the funds in the personal account of occupational annuity can be transferred accordingly. If the occupational annuity or enterprise annuity system is not implemented during the period of further education, joining the army, unemployment or new employment, the personal account of occupational annuity will continue to be managed and operated by the original management institution. It solves the problem of occupational annuity succession after the promotion and transfer of civil servants and institutions.

Occupational annuities are mainly for civil servants and public institutions, and these people 100% paid occupational annuities. Because the funds paid by the units (departments) of civil servants are all financial, and most of the career preparation is also financial allocation. The deposit ratio is 4% of the total wages of individuals and 8% of the total wages of units (departments). Personal contributions are directly credited to the personal occupational annuity account, and 8% paid by the unit is credited to the personal occupational annuity account. Occupational annuity is an important supplement and component of savings endowment insurance, but it is essentially different from pension and cannot be confused.

This part of enterprise annuity is called employee annuity, and the payment ratio and method are the same as those of civil servants and institutions. The annuity paid by an enterprise unit comes from enterprise funds and can be charged as expenses. Whether it is civil servants, career establishment personnel, enterprise employees, the money given by units (departments) is equivalent to a considerable welfare treatment given by units to individuals. But in fact, there are only a handful of companies that pay annuities for employees, and only a few large state-owned enterprises with good benefits pay annuities for employees. Most employees can only hear the term annuity, but actually enjoy it unconditionally.

Conditions and methods for receiving occupational annuities:

According to Guo Fa [20 15]No. 18, the conditions and methods for receiving occupational annuity are as follows:

1. After reaching the legal retirement age and going through the retirement formalities, it can be used to purchase commercial endowment insurance products at one time, receive treatment according to the insurance contract and enjoy the corresponding inheritance rights; You can choose to calculate the monthly treatment standard for receiving occupational annuity according to the number of months corresponding to my retirement until the payment is over.

If you live abroad, you can pay me in one lump sum according to your requirements.

3. If I die while in office, the personal account balance of occupational annuity can be inherited.

Except for the above three situations, you can receive an occupational annuity, but you can't get it in advance.

According to the above regulations, the way of receiving occupational annuity benefits is basically based on the number of months corresponding to individual pension insurance, and the occupational annuity benefits are calculated and paid until they are issued. What does this mean? For men, the personal account is divided into 139 months, and the occupational annuity is divided into 139 months. When you receive 139 months, you will receive the occupational annuity, and you will not receive it if you continue. Different from the personal account of endowment insurance, you can participate in the adjustment of endowment insurance and receive it indefinitely (139 months later) until the end of your life.

Of course, after retirement, if you buy commercial pension insurance with occupational annuity, you can also receive it in one lump sum.

To sum up, the occupational annuity can't be received in advance except to settle abroad and die at work. There are two ways for individuals to receive occupational annuities: one is to reach the statutory retirement age, and after going through retirement procedures, they will use it to purchase commercial endowment insurance at one time; The second is to calculate and pay according to the number of months of old-age insurance, and receive it on a monthly basis until it is issued.

The occupational annuity will be issued by the provincial social security department next year, which is different from the current social security institutions and pensions.

After reading the question, I found that the topic confused enterprise annuity and occupational annuity.

Let me briefly talk about the gap between the two, and you will understand at a glance:

Let's talk about occupational annuities. The object of occupational annuity is the staff of public institutions. On the basis of participating in the basic old-age insurance, a supplementary old-age insurance system is established. The individual payment standard is 4% of the total monthly salary, and the unit payment standard is 8% of the total monthly salary of employees. In terms of payment and collection, normal collection is carried out monthly after employees retire. You can also purchase commercial endowment insurance products at one time, subject to the requirements of commercial insurance. The specific calculation month is regarded as the common calculation month of social security 139. If I live abroad, I can get it at one time. If I die during my employment, the balance of my annuity account can be inherited.

Let's talk about enterprise annuity. The insured object of enterprise annuity is the employees in the enterprise. The specific implementation measures are formulated according to the actual situation of each enterprise. It is also a supplementary system based on endowment insurance. The payment standard is the same as the occupational annuity, but it is not mandatory on the basis of employees' voluntary. However, there are differences in the ways of receiving enterprise annuities. After retirement, employees can choose how to receive the enterprise annuity, either monthly or in one lump sum. The one-time tax rate is the highest and the monthly tax rate is low. Other conditions are the same as occupational annuity.

Therefore, the biggest difference between occupational annuity and enterprise annuity lies in two aspects: on the one hand, occupational annuity is compulsory payment; Enterprise annuity is voluntary. On the other hand, you must receive a monthly occupational annuity after retirement; The enterprise annuity can be collected within the number of months you choose.

Occupational annuities are not actually available to all retirees. Only for retirees from government agencies and institutions.

In fact, the occupational annuity system of retirees in government agencies and institutions is not bound by the enterprise annuity method. Determined by the occupational annuity measures of government agencies and institutions.

The difference between him and the enterprise annuity system is that the enterprise annuity can be received in one lump sum or in multiple installments, while the occupational annuity can only be received according to the number of retirement months.

However, whether it is enterprise retirement or institution, everyone can use the money of occupational annuity to buy commercial insurance.

In addition, the difference between enterprise annuity and occupational annuity is that the enterprise part of enterprise annuity is not credited to personal account at once. Can be divided into eight years. If you leave your job during this period, the unrecorded part will not be given to you.

For occupational annuities, no unit annuity account is set up, and all the money is deposited in personal accounts. Effective immediately in the current month.

Moreover, our occupational annuity is actually an empty account, and only the local financial department keeps its own accounts, and it is paid according to the amount of the account when it retires. In fact, there are still some financial allocations.

This can greatly reduce the economic burden. But some areas with good conditions can make real annuity accounts.

Generally speaking, you are not allowed to buy commercial insurance in areas with poor financial conditions, but it will be paid monthly according to the number of months.

Therefore, the occupational annuity is actually equivalent to an additional personal account pension. I'll give it to you together when I retire. You don't have to worry too much about yourself.

The occupational annuity received by retirees of public institutions can be divided into three ways, namely, monthly payment, installment payment and one-time payment;

First of all, let's understand the composition of personal account of occupational annuity; Individual contributions 4. All 8% of enterprise contributions are credited to the occupational annuity account and then handed over to a third party for operation. After retirement, income and interest can be collected in three ways: monthly, installment and lump sum, but they are generally collected on a monthly basis and paid together with pensions;

Unless there are special circumstances, such as the termination of the pension insurance relationship, or the death of employees, permanent residence abroad, etc. , you can apply for a one-time liquidation of personal accounts;

Secondly, how much is the occupational annuity per month? Monthly amount = the number of months calculated by the balance of occupational annuity account, which is the same as that of pension, and the number of months calculated by retirement at the age of 60 is139;

Let's give an example to explain it in detail:

I know an uncle Wang whose personal account of occupational annuity is 30,000 yuan.

Monthly occupational annuity = 30,000139 = 215 yuan;

Finally, why do you want to participate in the occupational annuity? At the beginning of the establishment of occupational annuity, the starting point was supplementary pension, which was first put forward when the endowment insurance system of enterprises and institutions was merged in 20 14, but not all institutions participated in occupational annuity, so friends who had already participated in occupational annuity were very lucky;

Therefore, occupational annuity, as the welfare treatment of public institutions, plays a key role in attracting and retaining talents;

Finally, I would like to express my personal views: occupational annuity is relative to the enterprise annuity issued in February 2065438+2008;

Although it has just been released, it has been put into trial operation in many companies, which is a very good supplementary function for the elderly and adds a pension for friends with less pensions;

With the development and continuous improvement, there may be an era of five insurances, six insurances and two gold when looking for a job in the future;

I want to share so much today. I hope I can help you. Thanks for your support.

How to collect the occupational annuity for retirees? How many years? Is the occupational annuity paid in one lump sum or monthly like a pension? I. Origin of Occupational Annuity Regulations In June 20 14, after the merger of government agencies, institutions and enterprises, the pension system was reformed. In the process of reform, the pension calculation and payment of "middle-aged" and "new-aged" institutions should be the same as that of enterprise retirees. In order to prevent the phenomenon that the pension calculated like enterprise retirees is greatly discounted compared with the "endowment" of government institutions, a set of occupational annuities similar to personal account pension is specially designed as a supplement. So on March 27th, 20 15, the General Office of the State Council issued the Notice of the General Office of the State Council on Printing and Distributing Occupational Pensions for Government Offices and Institutions with the number of Guo Ban Fa [20 15] 18. In the notice: "Article 4: The expenses required for the occupational annuity shall be borne by the unit and individual employees. The proportion of occupational annuity paid by the unit is 8% of the total wages of the unit, and the proportion of individual contribution is 4% of the wages paid by the unit, which is withheld and remitted by the unit. The payment base of units and individuals is consistent with the payment base of basic endowment insurance for staff of government agencies and institutions. "

In other words, the occupational annuity is another additional personal pension account, renamed as the occupational year account. The difference between the payment and deposit regulations and individual accounts is that they are based on the base of individual contributions, and individual accounts are included in individual accounts with 8% of individual contributions; The occupational annuity is credited to the annuity account, with the individual paying 4% and the company paying 8% at the same time. The proportion credited to the annuity account totals 12%, which is 4% more than that credited to the personal account. In other words, the newly added annuity account is roughly 1.5 times of the personal account. See figure 1: figure 1:

As shown in the above figure, the annual payment amount of "middle" people in third-tier cities in 2.58 years is 4 1760.32 yuan, and the personal account amount is 28,047.79 yuan.

2. Take the payment of enterprise annuity as an example: as in the above example, the "middleman" teacher is 2065438+the social average in 2007 is 63562, and the yuan payment index is 1.7588, then the annual payment base is = 63562 *1.76 =165438. Company entry: annuity account entry =1/kloc-0 * 0.08 = 8943.36 yuan, personal account entry =1/kloc-0 * 0.04 = 4471. Annuity amount of the current year = 134 15.04 yuan. This is the amount of annuity payment and entry in 20 17 years. The annual annuity payment is calculated according to this, and the rolling interest is calculated at the same interest rate as the personal account, and the rolling annuity deposit is obtained when you retire.

Third, how to get a retirement annuity? Of course, it is paid monthly in the pension, just like the personal account pension, but the amount is much larger, which is 1.5 times that of the personal account pension (see table 1). Occupational annuities are generally calculated in the pension, and the calculation method is the same as the number of months and personal account pensions. See formula:

Occupational annuity = total amount of individual annuity account/payment months (50 years old 195, 55 years old 170, 60 years old 139)

Example: (Calculation of Teachers' Annuities in Table 1

Occupational annuity = 41760.32/139 = 300.43 yuan. (See table 1)

Four. In addition to the above-mentioned units and individuals' contributions, all the components of occupational annuities are stipulated in the document:

"Article 5 The occupational annuity fund consists of the following items: (1) unit contributions; (2) individual payment; (3) Income from investment and operation of occupational annuity funds; (4) Other incomes stipulated by the state. "

5. Can I get the occupational annuity in one lump sum? The document stipulates:

"Article 8 When a staff member changes his work unit, the funds in the personal account of occupational annuity can be transferred accordingly. If a staff member fails to implement the occupational annuity or enterprise annuity system during the period of further education, joining the army or unemployment, his personal occupational annuity account will continue to be managed and operated by the original management institution. If the new employment unit has established the occupational annuity or enterprise annuity system, the original occupational annuity personal account funds will be transferred accordingly.

Article 9 A person who meets one of the following conditions may receive an occupational annuity:

(1) After the staff meets the retirement conditions stipulated by the state and goes through the retirement formalities according to law, I choose the method of receiving the occupational annuity treatment on a monthly basis. It can be used to purchase commercial endowment insurance products at one time, receive treatment according to the insurance contract and enjoy the corresponding inheritance rights; You can choose to calculate the monthly treatment standard of occupational annuity according to the number of months corresponding to my retirement, and the balance of personal account of occupational annuity also enjoys the right of inheritance. I won't change after I choose any payment method.

(two) the funds in the personal account of the occupational annuity for overseas residents can be paid to me in one lump sum according to my requirements.

(3) If a staff member dies while in office, the personal account balance of his occupational annuity can be inherited.

Those who do not meet one of the above conditions for receiving occupational annuities may not withdraw funds from their personal accounts in advance. "

The above statement is my answer.

Many people are stupid and confused about occupational annuities and enterprise annuities.

First of all, occupational annuity is a supplementary pension for retirees of government agencies and institutions.

Enterprise annuity is a supplementary pension for enterprise retirees.

In other words, the object of occupational annuity is the staff of government agencies and institutions, while the object of enterprise annuity is enterprise employees.

So don't confuse occupational annuity with enterprise annuity. They are not the same thing.

Occupational annuity payment was formally established from 20 14, 10, 1. Individuals pay 4%, units pay 8%, all of which go into personal accounts.

At present, those who receive occupational annuities are retirees from government agencies and institutions, that is, retirees from government agencies and institutions who retired after working before 20141kloc-0/.

Old people's words, because there is no occupational annuity, so they are not received. If you are a newcomer, you have no retirement and no pension.

How to collect it specifically? This is clearly stipulated in the occupational annuity measures of government agencies and institutions.

Generally, I receive my occupational annuity on a monthly basis. In most cases, I plan to pay the occupational annuity according to the corresponding number of months when I retire until I pay it.

For example, if you retire at the age of 60, the calculated number of months is 139 months, and your occupational annuity account has 50,000, which will be 139 months on average, and you will receive 359,438+0 yuan every month.

In addition to monthly payment, it can also be used to purchase commercial endowment insurance products at one time and receive treatment according to the insurance contract. Once the payment method is selected, it cannot be changed.

In addition, there are two special cases. If you live abroad, the money in your personal occupational annuity account can be paid to you in one lump sum.

If a staff member dies while in office, the personal account balance of the occupational annuity can be inherited.

Only when the above conditions are met can you receive an occupational annuity. Otherwise, you can't get it in advance, just like the basic pension personal account money can't get it in advance.

In addition, it should be mentioned that the occupational annuity is mandatory and must be attended, which means that retirees and newcomers from government agencies and institutions will be included in the occupational annuity.

Enterprise annuities are established voluntarily by enterprises, and only a few enterprises have the ability and willingness to establish enterprise years, so only a few retired employees have enterprise annuities, including state-owned enterprises.

Hello!

When it comes to the topic of "enterprise annuity" (occupational annuity), we must first be clear about what an enterprise annuity is. What kind of unit has enterprise annuity, and what is the difference between it and housing provident fund? What's the difference between pension and pension?

First of all, let me talk about the "housing provident fund". At present, the housing accumulation fund stipulated by the state is a welfare treatment that employees and some contract workers must enjoy. Paid by units and individuals, can receive a one-time retirement. It is stipulated by the state. As long as you confirm the labor contract with the unit, you must have it.

Pension, as long as you get a pension after retirement, you're dead. It is the guarantee of China citizens' retirement life and must be provided.

Enterprise annuity? As far as I know, it is a "welfare treatment" that was only promoted in a small scale before the pension reform of 20 14 and 10 institutions. Generally, it is piloted in central enterprises and units with good economic benefits. Because the enterprise annuity, as the welfare of the unit, is jointly paid by the unit and the individual. It is a voluntary act, and the state does not stipulate that it is necessary. Therefore, it depends on the affordability of the unit.

Now, in addition to the restructuring of the railway and the original railway system, the units (central enterprises) under the jurisdiction of the "State-owned Assets Supervision and Administration Commission" began to issue enterprise annuities to employees in 2000. General central enterprises and large state-owned enterprises are not very active in issuing enterprise annuities to employees. So, they later paid the enterprise annuity! It seems that after 20 10, the enterprise annuity system began to be implemented one after another.

From 20 14 to 10, the enterprise (occupational) annuity really became a system, and it was fully rolled out after the pension reform was implemented in public institutions. I believe that employees of contract enterprises and institutions can also enjoy enterprise annuity (occupational annuity) after retirement! This is the "welfare treatment" that enterprises and institutions are superior to housing provident fund. Because, from 20 14 to 10, the enterprise (occupational) annuity has been paid according to the actual income. The actual income is high, and the personal account of enterprise (occupation) annuity has more money. When you retire, a rising tide lifts all boats, and you will get more!

But now, the difference between enterprises, occupational annuities and housing accumulation funds is that after retirement, you can receive housing accumulation funds in one lump sum without paying taxes. Enterprise and occupational annuities are now received according to the average monthly income of men and women. For example: male 139 months, female 170 months (female 195 months), get it every month, and pull it out after allocation. If there is a change in the middle, can it be inherited?

A female classmate of mine retired in March of 20 15, and her former unit was 20 14, 10, before she started to have an enterprise (occupational) annuity. After 1 month this year, she suddenly received a short message from the bank reminding her that your occupational annuity was returned to the account in one lump sum, RMB 20.05. Please check it! She's a little vague? Later, after asking. I was told that your occupational annuity will be paid 20.05 yuan per month according to 170 months until it is paid out!

When you retire, the annuity management agency will ask you how to withdraw it, and there are several options.

1, one-time withdrawal, because most annuity balances are relatively large (hundreds of thousands), one-time withdrawal is based on annual income, and the tax amount may be above 20%, which is not cost-effective. It is best not to follow this method.

2. Multi-stage extraction, mostly according to this, can effectively reduce income tax.

3, monthly withdrawal, according to your retirement age, divided by the retirement coefficient 139, note that this is not the same as the number of months paid by social security, and this is taking advantage of stocks.

4. Buy other endowment insurance. It is said that the state encourages this now, and it can also be tax-free.

How to receive the occupational annuity of retirees, and how many years can I receive it? Occupational annuity is a kind of welfare system that has only recently appeared. At work, companies and individuals each give part of their money to qualified investment institutions for appreciation, and then receive it after reaching retirement conditions.

The advantage of annuity is that it can increase in value. The deduction of annuity is tax-free, and tax will be paid when it is collected.

As for whether it is a one-time payment or a monthly payment, it must be agreed with the custodian. It is suggested that monthly tax collection can achieve the purpose of tax avoidance.