20 18 new policy of endowment insurance for enterprise employees

1, the "enterprise annuity measures" was officially implemented. Enterprise annuity is a supplementary old-age insurance system independently established by enterprises and their employees through collective negotiation on the basis of participating in basic old-age insurance according to law. According to the regulations, the expenses required for enterprise annuity shall be paid jointly by the enterprise and individual employees, and the contribution of the enterprise shall not exceed 8% of the total wages of the employees of the enterprise each year. Enterprise employees participating in enterprise annuity can increase pension accumulation and improve their income level and quality of life after retirement. 2, 20 18, the implementation of the basic old-age insurance fund central adjustment system. 3. According to the implementation plan of transferring part of state-owned capital to enrich the social security fund announced by the State Council, it is clear that the transfer ratio is 10%. The plan requires that some central enterprises and some provinces be selected for pilot projects in 20 17, and on the basis of summarizing the pilot experience and methods, other qualified central enterprises, enterprises run by central administrative institutions and central financial institutions will be transferred in batches in 20 18. 10% of the state-owned shares of enterprises enrich the social security fund, which can not only alleviate the payment pressure of the current social security fund, but also reduce the pension burden of employees in enterprises and institutions, and ensure the timely and full payment of pensions for retired employees in enterprises. Adjust the basic pension calculation and payment methods. After the implementation of the Decision of the State Council on Establishing a Unified Basic Old-age Insurance System for Enterprise Employees (Guo Fa [1997] No.26), if the working payment period reaches 15 years (including deemed payment period, the same below), the basic pension will be paid monthly after retirement. Basic pension consists of basic pension and personal account pension.