How to issue occupational annuities to retired teachers?

When do teachers receive occupational annuities after retirement? The specific situation of each place is different, and the payment of occupational annuity is also different. Our teachers' occupational annuities in Sichuan have basically been reissued, and those that were not issued before have been reissued, and now they are basically normal. Let me share my personal opinion with you:

The occupational annuities of government agencies and institutions shall be established in accordance with the provisions of the Measures for Occupational Annuities. The scope of paying occupational annuities is consistent with the scope of participating in endowment insurance for staff of government agencies and institutions. According to this scope, only the staff of government agencies and institutions can apply for occupational annuities, while the staff outside the establishment, including teachers outside the establishment, cannot apply for occupational annuities.

As a supplementary old-age insurance system for staff in government agencies and institutions, the total contribution rate of occupational annuity is 12%, which is paid by both the employer and the staff according to the ratio of * * * *, in which the unit contribution rate is 8% and the individual contribution rate is 4%. Personal account management is adopted, that is, the unit payment part and the individual payment part are all included in the personal account. In addition to individual contributions, the full financial allocation unit implements account management, and the finance calculates interest according to the bookkeeping rate announced by the state every year. Before the staff member retires, the accumulated storage amount of his occupational annuity account is recorded by the funds allocated by the finance at the same level; For non-financial fully funded units, the unit payment shall be accumulated in real accounts. The occupational annuity fund formed by the accumulation of real accounts shall be market-oriented and bear interest according to actual income.

As can be seen from the provisions of occupational annuity, the source of the total personal account of occupational annuity includes three parts. First, the employees themselves contribute 4%, which is the real account management part and should be market-oriented; Second, the unit payment part is included in the personal account according to 8% of the personal payment base, which is divided into two parts: real account management and suspense management; The third is the dividend income or bookkeeping interest rate generated by investment operation.

When a staff member reaches the statutory retirement conditions, the pension is divided into two parts. The first part is basic pension, including basic pension, personal account pension and transitional pension. The second part is occupational annuity. Occupational annuity is not only a supplementary pension, but also an important part of retired teachers' pension. However, due to the payment started in June of 20 14, and the payment period is only a little over six years, the monthly occupational annuity is not very high now.

Occupational annuity is divided by the total amount of personal account by the corresponding calculation month. Divide 60-year-old retirees by 139 months, 55-year-old retirees by 170 months, and 50-year-old retirees by 195 months. After receiving the corresponding calculation months, the occupational annuity is no longer calculated, unlike the basic pension, which belongs to lifelong collection. However, the calculated number of months dies before receiving it, and the rest can be inherited.

Due to some local reasons, the calculation and payment of occupational annuity may be delayed, but the longer the occupational annuity account is delayed by one day, the interest income will be generated. Whether it is early payment or late payment, it will be calculated according to the corresponding calculation payment month. Don't worry if the occupational annuity is not paid together with the basic pension when you retire. The occupational annuity is personal at any time, and it will be reissued monthly from the second month after my retirement. After gradual rationalization, the occupational annuity will basically be calculated and paid simultaneously with the basic pension in the future.

To sum up, teachers belong to the staff of public institutions. After retirement, teachers should receive not only the basic pension, but also the occupational annuity, which is calculated and paid synchronously with the basic pension every month. At present, the calculation of occupational annuity for retirees is delayed and needs to be reissued step by step. At present, it has been reissued in Sichuan and other places.

I heard that it is not a one-time payment, but an average of n months. Just retired, the salary is temporary, and there may be an occupational annuity after rationalization.

After teachers retire, like retirees in other institutions, the accounting and payment of occupational annuities are almost synchronized with basic pensions, and sometimes they may be paid in advance. Because all professional years are also entrusted by social security institutions (social security centers). The occupational annuity is independent and the amount is fixed, so the calculation is relatively simple; Whether it is the initial accounting or the accounting for each increase, the basic pension is more troublesome. The basic pension rises year by year, while the occupational annuity does not.

In my place, at the beginning, occupational annuity was calculated with basic pension. Later, perhaps because of the improvement of the basic pension, in order to avoid the ambiguity and misunderstanding of retirees, the occupational annuity was separated and paid separately. In this way, retired teachers will have two incomes every month, one is the basic pension (increasing year by year) and the other is the occupational annuity (fixed amount). The difference between the two punch-in incomes is not one or two days.

Of course, the calculation method and payment time of occupational annuity and basic pension in different places may be inconsistent. Please consult the local social security department for details.

On the ways of issuing occupational annuities for teachers in Shandong after retirement.

After teachers retire, it is impossible to pay the occupational annuity immediately, and there is a transition period. Teachers who retire in the first half of the year can't get their official retirement salary until the beginning of the second year, so teachers who retire in the second half of the year will wait shorter.

Because retirement wages need to calculate the average wage value of the previous year. During this period, our retired teachers will receive a fixed retirement salary, 4000 yuan per month for intermediate teachers and 5000 yuan for senior teachers. After the formal retirement salary is determined, the underpaid part will be reissued, and the occupational annuity will be paid with the formal salary, but it will be paid separately.

Our retired teachers' occupational annuity is paid on average 15, and I pay more than 200 yuan 15 every month. Every teacher's occupational annuity is different, which is related to the amount paid before retirement.

Occupational annuity is neither social insurance nor commercial insurance. It is a supplementary old-age security system. Occupational annuities are paid jointly by units and individuals. Units pay 8% of the total wages of employees, and individuals pay 4% of the total wages. Therefore, occupational annuity is also considered as a kind of welfare.

When young people are looking for a job, they should also consider paying this occupational annuity. Some companies may not have this payment item.

When do teachers receive occupational annuities after retirement?

As can be seen from the above, there are only two ways to issue occupational annuities. One way is to buy commercial endowment insurance products at one time; The second type is paid together with the pension in the pension. Either way, the collection method will not change. As teachers belong to public institutions, occupational annuities of public institutions are both additional personal account pensions, just like personal account pensions. Payment began on June 20 15, 10, and the payment is still 4% of the individual payment base, and the unit pays 8%. The unit pays to the social security bureau in a unified way, and the individual part is deducted from the salary. Up to now, teachers and institutions have paid for 7 years. If you reach retirement age, the occupational annuity, like the personal account pension, is calculated according to the annuity account balance including interest, and there is an additional annuity item in the pension, which is annuity = month of storage/calculation of annuity account (60 years old139,55 years old170,50 years old 195). Together with the personal account pension, it is paid monthly in the pension. Because only people in enterprises have annuities, and because the old people's pensions are much higher than those in enterprises, after the reform, people in enterprises borrowed the enterprise formula, changed the calculation formula of enterprise pensions, and added annuities as a supplement, making the pensions not lower than those of the old people in enterprises. Therefore, it is generally paid monthly in the pension. Many people mistakenly think that the annuity is a separate year-end award and think that it should be taken out and distributed separately. Actually, it's all wet. Occupational annuity is used to supplement the pension shortage of middle-aged people and is a part of pension. The document does not clearly stipulate that it can be paid separately. If some areas are misunderstood and not paid in the pension, they should be reissued and paid in the pension in the future. Otherwise, people think it's a bonus, and they all come to fight for the replacement bonus, which will lead to misunderstanding. But who can do it all at once? For retirees who have emigrated overseas, they can receive them in one lump sum, but they must show their certificates and apply for approval before they can be implemented. Annuities can be inherited like personal account pensions, and the balance of the deceased can be returned to the heirs of the deceased. Those who choose to buy commercial insurance can also inherit in accordance with the provisions of commercial insurance.

Under normal circumstances, the teacher's annuity has been paid out in the pension, so you must find out for yourself. Don't think that an annuity is a bonus that can be paid separately, but if you want to pay it separately, you will be asked to pay it again. Moreover, people who retired before 20 14 don't have an annuity, because first, they shouldn't have an annuity, second, they haven't paid an annuity, and third, they won't include an annuity in their pension, let alone pay an annuity.

Retirees from 20 1 410 June1to 3 1 September 2024 are called China people. All these people have paid occupational annuities. Now some people are retired and have not paid their occupational annuities. After the enterprise schools were owned by the local government, the teachers of these schools paid pensions in enterprises, but the teachers of the original institutions did not pay them at that time. What about the pensions paid by these teachers? It has been five years since the transformation, and these remaining problems should be solved without further delay.

Newly retired workers belong to the middle class. They get the initial salary first, and they can get the final salary after one year. At the same time, I began to pay occupational annuities, which developed separately from wages. The occupational annuity is paid monthly according to the total amount paid by the individual when he is in office, until the payment is completed.

Public schools also paid pensions one or four years ago. Because of different identities, there used to be at least two identities in public schools, cadres and workers. Old teachers and workers all know that there used to be an identity column, where cadres filled in cadres and workers filled in workers. In the past, all workers paid pensions according to state regulations, while cadres did not. In other words, in the past, teachers who were workers always took the pension series, while teachers who were cadres took the pension series just like civil servants. Now they are all incorporated into the pension series, which are the same as each other, but they must not be allowed to pay the pensions of previous decades, because this part of the money was not included in the salary at that time, but only paid.

Where is the occupational annuity? Why didn't we see anything?

Hello! Zhongshan Tuhua Education answers for you!

The editing teacher is a career editor, that is, the editing teacher is a staff member of a public institution, commonly known as the "iron rice bowl", which is full of gold!

First, the establishment of teachers belongs to the establishment of fully funded institutions and enjoys the working treatment of institutions.

Two, the preparation of teachers' salary is composed of basic salary, Tianjin subsidy, professional title salary, etc.

Professional title salary can increase with the increase of professional title, and seniority salary also increases with the increase of seniority. The salary of non-staff personnel is fixed, and it is generally impossible to guarantee the promotion of professional titles and length of service. Although there have been some reforms in recent years, there is still a big gap between the actual operation and the choreographer.

Third, there is more secure and stable teacher work. Can be transferred and enjoy the corresponding social security and occupational annuity after retirement.

Fourth, organized, with high status and security, it is easy for girls to find a partner.