How to handle enterprise annuity

1. Decided to establish enterprise annuity: set up plan execution team or management committee, select trustee and sign trust contract with it.

2. Make a preliminary annuity plan.

3, collective consultation to determine the enterprise annuity plan.

4. Prepare the filing text of enterprise annuity plan.

5, submitted to the labor and social security department (pension office) for the record.

6. After the labor and social security department has no objection, it shall sign contracts with the account manager, custodian and investment manager respectively.

First, how to handle the enterprise annuity

First of all, your company must pay the basic old-age insurance for its employees in accordance with the regulations, then it needs to convene an employee congress to agree to establish an enterprise annuity, and then it needs to set up an enterprise annuity management Committee to establish an enterprise annuity plan suitable for the company's situation, which is called an enterprise annuity plan.

Then, the trustee of enterprise annuity (such as China Ping An, China Industrial and Commercial Bank, China Bank, etc. ) It should be consulting about handling the enterprise annuity, and the next work will be handed over to the trustee, who will negotiate with the account manager, custodian and investment manager to sign the contract. After all this is completed, the enterprise annuity can be submitted to the Human Resources and Social Security Bureau for the record, and it can be officially put into operation.

Details are as follows:

1. Decided to establish enterprise annuity: set up plan execution team or management committee, select trustee and sign trust contract with it.

2. Make a preliminary annuity plan.

3, collective consultation to determine the enterprise annuity plan.

4. Prepare the filing text of enterprise annuity plan.

5, submitted to the labor and social security department (pension office) for the record.

6. After the labor and social security department has no objection, it shall sign contracts with the account manager, custodian and investment manager respectively.

7. Apply to the labor and social security department (Fund Supervision Department) for the registration number of the annuity plan.

8, according to the specified date and the established plan to establish enterprise annuity and start operation.

Two. Handling process of enterprise annuity insurance

1. The enterprise shall prepare the submitted materials as required;

2. The entrusted financial institution submits materials to the administrative department of labor security for examination and approval on behalf of the enterprise, and obtains the record number;

3. The enterprise will submit a copy of the submitted materials and the annuity receipt approved by the labor department, affix the company seal and submit it to the tax department together with the original, and the tax department will return the original after inspection;

4. Sign trust management contracts with qualified financial institutions, and the trustee signs account management contracts, investment management contracts and custody contracts with other qualified financial institutions;

5. The enterprise will entrust the management contract, and the trustee will report the account management contract, investment management contract and custody contract to the labor administrative department for the record;

6. Submit the personal account information of enterprises and employees to the account management organization for account establishment;

7. Pay the first enterprise annuity fee to the custodian bank according to the enterprise annuity implementation plan;

8. The investment manager began to invest and the fund began to increase in value; Trustees pay pensions to retired scheme members.

Three, enterprise annuity personal account query content

Enterprise annuity can query personal accounts, including personal basic information, plan information, account balance, payment information, income information, payment information, account equity change, historical equity change, investment, statement, customer service, opening status, SMS service, electronic statement service, personal password modification, survey opinion form, etc.

1. Personal Basic Information

Including employee number, employee name, certificate type, certificate number, date of birth, employment date, payment base, mobile phone, e-mail, contact address, postal code, bank name and account number.

2. Planning information

Including enterprise name, plan code, plan name, trustee, custodian, account manager, investment manager, portfolio code, portfolio name and date of participation in the plan.

3. Account balance

You can query the account balance of enterprise annuity, enterprise account balance and personal account balance.

4. Payment information

You can query the enterprise payment amount, individual payment amount and payment date of enterprise annuity.

5. Income inquiry

The enterprise annuity is invested by the bank, and the annuity holder can get some income. In the column of income inquiry, consumers can inquire about the investment and specific income of their annuities.

With enterprise annuity insurance, employees have another guarantee. Of course, it is also a very good thing for our enterprise, because with the guarantee of employees' lives, they can work more for the enterprise.

Legal basis:

Enterprise annuity method

Article 3 The expenses required for enterprise annuity shall be paid jointly by the enterprise and individual employees. The enterprise annuity fund shall be fully accumulated, and a personal account shall be established for each employee who participates in the enterprise annuity, and investment and operation shall be carried out in accordance with relevant state regulations. Income from investment and operation of enterprise annuity fund is merged into enterprise annuity fund.

Article 4 The taxation and financial management of enterprise annuities shall be implemented in accordance with the relevant provisions of the state.

Article 5 When establishing an enterprise annuity, an enterprise and its employees shall determine the trustee of the enterprise annuity, and the enterprise shall sign an entrustment management contract with the trustee on behalf of the principal. The trustee can be a legal person trustee institution that conforms to the provisions of the state, or an enterprise annuity Council established by the enterprise in accordance with the relevant provisions of the state.

Article 6 To establish an enterprise annuity, enterprises and employees shall participate in the basic old-age insurance and fulfill their payment obligations according to law, and enterprises have corresponding financial affordability.

Article 7 The establishment of an enterprise annuity shall be determined through collective consultation between the enterprise and the employees, and an enterprise annuity plan shall be formulated. The enterprise annuity plan shall be submitted to the workers' congress or all the workers for discussion and adoption.

Article 8 An enterprise annuity plan shall include the following contents:

(1) participants;

(two) the proportion and mode of fund raising and distribution;

(3) account management;

(4) Ownership of rights and interests;

(5) fund management;

(six) payment methods and payment methods;

(seven) the change and termination of the plan;

(eight) organization, management and supervision methods;

(9) Other matters agreed by both parties.

The enterprise annuity plan is applicable to employees who have completed the probation period.

Article 9 An enterprise shall submit an enterprise annuity plan to the administrative department of human resources and social security of the local people's government at or above the county level.

The enterprise annuity plans of enterprises affiliated to the central government shall be submitted to Ministry of Human Resources and Social Security.

The enterprise annuity plan of an inter-provincial enterprise shall be submitted to the administrative department of human resources and social security of the provincial people's government where its headquarters is located.

The enterprise annuity plan of cross-regional enterprises in the province shall be submitted to the administrative department of human resources and social security of the people's government at or above the municipal level where its headquarters is located.

Article 10 If the administrative department of human resources and social security does not raise any objection within 15 days after receiving the text of the enterprise annuity plan, the enterprise annuity plan will take effect.

Article 11 An enterprise and its employees may change the enterprise annuity plan through consultation according to the enterprise situation and national policies. The changed enterprise annuity plan shall be discussed and adopted by the workers' congress or all the workers, and submitted to the administrative department of human resources and social security again.