Where to check individual employee enterprise annuities?

Enterprise annuity is also called "enterprise supplementary pension insurance" and is also called the "second pillar" of pension insurance by many retirees. If individual employees want to know the information about their own enterprise annuities, they can inquire through banks. Telephone banking, online banking, etc. can all inquire about enterprise annuity information.

Enterprise annuity inquiry method: Method 1:

Inquiry through computer, operation process:

1. Enter in the browser to log in to the official website of Industrial and Commercial Bank of China, click "Personal Internet Banking";

2. Enter the card number, password and verification code and log in;

3. Select "All - Insurance. Pensions. Social Security - Pensions" ;

4. Select the annuity plan you want to query under the "My Pension" directory and click "Details".

Method 2:

Inquire via mobile phone, operation process:

Download the "ICBC" App;

Method 3:< /p>

Automatically receive enterprise annuity account information through mobile phones:

Individuals can reserve a mobile phone number through their organization, and then use the ICBC "Integrated e-Link" App or SMS to receive pension information pushed to the enterprise Annuity account information.

Method 4:

Inquiry by phone, operation process:

Dial ICBC Telephone Banking "95588" and follow the voice prompts to inquire. Inquiry steps: Dial 95588 → For enquiries, please press 1 → For other information enquiries, please press 5 → For annuity enquiries, please press 4 → Enter the card number, account number, ID number or customer number, and press the # key after inputting → Enter the phone banking password, and press # after inputting. key. The voice broadcasts the following information: your current total annuity payment, personal payment, corporate payment, other payment, current total income, and total payment and income.

Method 5:

Three operating methods for querying through ICBC outlets:

1. Insert the ICBC card into the ATM machine and enter the password Then select "Inquiry-Pension" and follow the prompts;

2. Insert the ICBC card into the payment inquiry machine, enter the password, select "More Business-Convenient Services-Pension" and follow the prompts Operation;

3. Select “All Businesses—Business Inquiry—Pension” in the smart terminal, insert the card and operate according to the prompts.

1. Will enterprise annuities be seized?

Enterprise annuities will not be seized.

Three prerequisites for establishing an enterprise annuity:

1. The basic pension insurance has been paid. Therefore, non-local employees who have paid the comprehensive insurance for foreign employees in Shanghai are not eligible to enjoy the enterprise annuity. .

2. Enterprises pay voluntarily. Therefore, if you are in a private company and the boss is very strict with his employees, it is impossible for him to be willing to establish an enterprise annuity for you. The biggest difference between enterprise annuities and social security is that they are non-mandatory.

3. Enterprises have a collective consultation mechanism. Because the final annuity plan needs to be discussed and approved by the workers’ congress and reported to the labor and social security departments, it cannot be decided by individual employees and companies.

Enterprise annuities are more similar to funds than pension insurance or commercial insurance.

2. Functions of enterprise annuities

Enterprise annuities are not only an important supplementary form of retirement living security for workers, but also a way for enterprises to mobilize the enthusiasm of employees, attract high-quality talents, stabilize the workforce, and strengthen An important means of corporate competitiveness and cohesion. Its main functions and functions can be summarized in at least three aspects:

1. Distribution function

Enterprise annuity has both the nature of primary distribution of national income and the nature of redistribution of national income. Therefore, the supplementary pension plan in the form of enterprise annuity is regarded as a kind of delayed payment of salary income distribution to employees.

2. Incentive function

The enterprise annuity plan contributes to employee annuity personal accounts based on the company's profits and employees' performance. It helps companies attract high-quality talents, stabilize the workforce, and protect employees. It is also a positive and effective means to maximize employees' labor enthusiasm and creativity, improve employees' sense of pride and responsibility in serving the enterprise, thereby enhancing the cohesion and market competitiveness of the enterprise and obtaining maximum economic benefits.

3. Guarantee function

Establishing an enterprise annuity can improve the level of pension benefits for employees after retirement to a considerable extent, and solve the problem of employee retirement caused by the decline in the basic pension replacement rate year by year. The large income gap before and after makes up for the lack of basic pension security, meets the objective needs of retirees to enjoy a higher quality of life, and plays its supplementary and protective role.

In summary, individual enterprise annuities can be inquired through telephone banking, professional pension service websites, online banking inquiries, mobile phone text message inquiries, etc.

Legal basis:

Article 21 of the "Enterprise Annuity Regulations"

Those who meet one of the following conditions can receive enterprise annuity:

(1) When employees reach the retirement age stipulated by the state, they can receive enterprise annuity from their personal enterprise annuity accounts on a monthly basis or in installments until the personal account funds are fully collected; they can also transfer their enterprise annuity personal account funds to Used to purchase commercial pension insurance products in one lump sum, receive benefits according to the insurance contract and enjoy corresponding inheritance rights.

(2) The enterprise annuity personal account funds of persons who have settled abroad can be paid to the individual in one lump sum according to the individual’s request.

(3) After the death of an employee or retiree, the balance of his or her corporate annuity personal account can be inherited.