Under what circumstances can enterprise annuity be obtained?

The main conditions for withdrawing an enterprise annuity are as follows:

1. Retirement

After employees reach the legal retirement age stipulated by the state, they can apply to withdraw the enterprise annuity. Employees who retire early due to illness or injury as stipulated by the social security department can also withdraw their corporate annuities. Currently, the retirement age for social security participants for female employees in my country is 50 years old, and the retirement age for social security participants for female cadres is 55. 1 year old, the retirement age for male insured persons of employee social security is 60 years old, the retirement age for female insured persons engaged in front-line high-risk jobs is 45 years old, and the retirement age for male insured persons is 50 years old.

2. Immigration

If an employee is going to settle abroad, he or she can also apply to withdraw the enterprise annuity. The management agency of the enterprise annuity needs to transfer the enterprise annuity in the employee's account at a time according to the employee's requirements. Employees can go through the corresponding collection procedures before immigrating, or they can entrust an agent to help receive corporate annuity after immigrating. However, in this case, in addition to providing immigration certification materials, they also need to prepare corresponding agent materials. , some areas will also require submission of a power of attorney.

3. Death

If the employee dies while on the job or after retirement, the balance of his personal enterprise annuity account can be paid to the employee’s legal heirs or designated beneficiaries. People receive it in one go.

Employees or family members with enterprise annuities can withdraw annuities as long as they meet any of the above conditions. It should be noted that once the method of receiving enterprise annuities is determined to be monthly, it cannot be changed. Unless you die or immigrate, you cannot receive it in one go.

Enterprise annuity is:

Enterprise annuity is a supplementary pension insurance system that enterprises and their employees voluntarily build on the basis of participating in employee pension insurance. If you want to participate For enterprise annuity, you need to sign a labor contract with the employer and pass the probation period. At the same time, you need to participate in the basic pension insurance for urban employees in accordance with the law and fulfill the corresponding payment obligations.

To sum up, the enterprise annuity is a welfare guarantee provided by the enterprise to its employees, and many of them have the idea of ??withdrawing the enterprise annuity. However, the Enterprise Annuity Management Regulations have strict regulations and requirements for enterprise annuity withdrawals.

Legal basis:

"Trial Measures of the People's Republic of China on Enterprise Annuities"

Article 12

Employees in When you reach the retirement age stipulated by the state, you can receive enterprise annuity from your personal enterprise annuity account once or regularly. Employees who have not reached the retirement age stipulated by the state are not allowed to withdraw funds from their personal accounts in advance.

The enterprise annuity personal account funds of persons who have settled abroad can be paid to them in one lump sum according to their requirements.

Article 13

When an employee changes his or her work unit, the funds in the personal account of the enterprise annuity can be transferred along with it. If an employee enters a higher education, joins the military, is unemployed, or has a new employment unit that does not implement the enterprise annuity system, his or her individual enterprise annuity account can continue to be managed by the original management agency.

Article 14

After the death of an employee or retiree, the balance of his or her personal enterprise annuity account shall be received in one lump sum by his or her designated beneficiary or legal heir.