How to receive enterprise annuity after retirement

The withdrawal process of enterprise annuity retirement is as follows:

1. One-time collection: carrying application form, one-time receipt of employee occupational annuity treatment confirmation, immigration certificate or death certificate, household registration book, receiving bank card, etc.

The information was processed at the local social security agency and the corresponding counter, and the review was successful.

One-time transfer to the designated account;

2. Monthly collection: the system and the handling unit automatically check the monthly pension payment according to the payment of social security and occupational annuity.

3. Withdrawal by installments: When applying for withdrawal, select the withdrawal times and divide the enterprise annuity into several withdrawals. You can also choose the appropriate collection times according to the personal income tax of enterprise annuity and your own needs.

Enterprise annuity refers to the supplementary old-age insurance system voluntarily established by enterprises and their employees on the basis of participating in basic old-age insurance according to law.

In short, the proportion of enterprise annuity payment is 8% of the total salary of the unit; The unit will deduct 4% of my salary. For the units that pay the full financial contribution, the unit contribution is partly paid by the financial expenditure, and the interest is calculated every year according to the bookkeeping rate uniformly announced by the state. Before a staff member retires, the accumulated storage amount in his occupational annuity account shall be recorded by the funds allocated by the finance at the same level. For non-full payment units, the unit payment shall be actually borne by the unit and accumulated in real accounts.

Employees who receive enterprise annuities must meet at least one of the following four conditions:

1. Employees who reach the retirement age stipulated by the state, including those who meet the conditions for early retirement stipulated by the social security department due to illness or injury, can receive the enterprise annuity from their personal accounts in one lump sum or on a regular basis;

2. If an employee leaves the country to settle down, he/she may pay the enterprise annuity personal account funds to him/her in one lump sum according to his/her requirements;

3. If an employee or retiree dies, the balance of the individual account of the enterprise annuity shall be collected by the designated beneficiary or legal heir in one lump sum;

4. Employees who have lost their ability to work due to illness (disability) can receive personal account funds in one lump sum or by stages for retirement or early retirement.

After the implementation of enterprise annuity, if the enterprise encounters operating losses, reorganization and merger, etc. Payment cannot be continued in the current period, and payment can be stopped after consultation with employees. After enterprises and employees resume payment, they can pay back according to the actual situation of enterprises and the enterprise annuity plan when payment is suspended. The period and amount of overdue payment shall not exceed the period and amount of actual suspension of payment.

The proportion of enterprise annuity payment is as follows:

1, and the annuity payment is 8% of the total salary of the unit;

2, annuity payment, I need to pay 4% of my salary;

3. The total contributions of enterprises and individuals shall not exceed12% of the total wages of employees of the enterprise;

4. After the implementation of the enterprise annuity, if the enterprise can't continue to pay in the current period due to operating losses, restructuring, mergers and acquisitions, it can stop paying after consultation with employees;

5. After the situation that payment cannot be continued disappears, the enterprise and employees will resume payment.

Three situations, and have the right of inheritance:

1. After the staff meets the retirement conditions stipulated by the state and goes through the retirement formalities according to law, I choose to receive 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.

2. 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.

For example, take a grassroots civil servant with a monthly salary of 6,000 yuan as an example. His monthly occupational annuity is 6,000 × 4% = 240 yuan; Although the unit pays 8% of the total salary, personally, it actually pays 6000×8%=480 yuan occupational annuity for this grass-roots civil servant.

Another example is a 60-year-old retired civil servant, whose corresponding calculation months are 139 months, and the total accumulated occupational annuity is 300,000, and he can receive 300,000/139 = 2 158.27 yuan per month. In addition to the pension, the occupational annuity income of the insured person will increase by more than 2,000 yuan per month, and it will be received continuously for 1.39 months.

Enterprise annuity method

Article 15

The enterprise payment shall not exceed 8% of the total wages of the employees of the enterprise every year. The total contributions of enterprises and employees shall not exceed 12% of the total wages of employees of the enterprise. The specific expenses shall be determined through consultation between the enterprise and the employees. Individual contributions of employees shall be withheld and remitted by enterprises from individual wages of employees.

Article 16

After the implementation of enterprise annuity, if the enterprise encounters operating losses, reorganization and merger, etc. Payment cannot be continued in the current period, and payment can be stopped after consultation with employees. After the situation that payment cannot be continued disappears, enterprises and employees can resume payment, and when payment is suspended, they can pay back according to the actual situation of the enterprise and the enterprise annuity plan. The period and amount of overdue payment shall not exceed the period and amount of actual suspension of payment.