What is the use of corporate pension insurance

I. What is the use of social security pension insurance? Pension insurance, the full name of the basic social pension insurance, is the state and society in accordance with certain laws and regulations, in order to solve the problem of workers in reaching the state provisions of the discharge of labor obligations of the labor age limit, or due to old age and loss of working capacity to withdraw from the workplace after the basic life and the establishment of a social insurance system. It is an important part of the social security system and one of the most important of the five major types of social insurance. The purpose of pension insurance is to protect the basic living needs of the elderly and provide them with a stable and reliable source of livelihood.1. Pension insurance is the best investment method for the insured to force themselves to save on a regular basis, which can motivate people to cultivate the virtue of saving.2. Children's education fund raises the children's education expenses, plans for the children's future life, and provides a deposit.3. Adequate pension protection for retirement living expenses Their own peaceful old age, which not only ensures their own life in old age, but also to protect their dignity of life in old age, to live a rich life in old age to provide a security deposit. Second, what are the conditions for receiving a pension? In order to receive the pension, the employee must meet two conditions at the same time in order to receive the monthly pension: 1) reach the legal retirement age; 2) pay the accumulated pension insurance premiums for 15 years. Note that the two are not or related. In addition, if you have accumulated contributions for less than 15 years, then you can receive a lump sum of the accumulated portion of the funds in your personal account when you retire. According to the relevant regulations, the legal retirement age of enterprise workers in China is 60 years old for men, 50 years old for female workers, and 55 years old for female cadres. Engaged in underground, high altitude, high temperature, especially heavy physical labor or other work harmful to health (hereinafter referred to as special types of work), the retirement age of men at 55 years of age, women at 45 years of age; due to illness or disability caused by work, certified by the hospital and confirmed by the Labor Appraisal Committee of the total loss of the ability to work, the retirement age of men at 55 years of age, women at 45 years of age. Calculation method of pension 1. Pension = basic pension + individual account pension 2. Individual account pension = individual account savings ÷ number of months of payment (the number of months of payment is determined according to the retirement age and the average life expectancy of the population at that time. The number of accrued months is slightly equal to (average life expectancy of the population - retirement age) X 12. At present, it is 195 at age 50, 170 at age 55, 139 at age 60, and is no longer uniformly 120. 3. Basic pension = (average monthly salary of the province's previous year's on-the-job workers + my average indexed monthly contributory salary) ÷ 2 × years of contribution × 1% = average monthly salary of the province's previous year's on-the-job workers (1 + my average monthly contributory salary) ÷ 2 × years of contribution × 1% = the province's previous year's on-the-job workers Average monthly salary of employed workers in the previous year in the province (1 + my average contribution index) ÷ 2 × years of contribution × 1% 4. In the formula: my indexed average monthly contribution salary = average monthly salary of employed workers in the previous year in the province × my average contribution index. What is the use of social security pension insurance in the above for everyone, I believe that through the above you will have a deeper understanding of social security pension insurance. In practice, the payment of social security pension insurance every month from their own salary deduction part, the company to bear part. It is important to make the workers have a sense of security in their old age after retirement, and it can also reduce the burden of children.

Enterprise pension insurance is the state regulations of the enterprise must pay for the enterprise employees of a kind of insurance fund system. Enterprise pension insurance refers to the enterprise according to their own economic strength, under the implementation of the state's implementation of policies and implementation conditions for the enterprise employees to establish a supplementary pension insurance. It is the second level in the multi-level pension insurance system, which is guided by the state and implemented by the enterprise's internal decision-making. Responsibilities of enterprise pension insurance: enterprise pension insurance agency is responsible for handling pension insurance affairs, collecting pension insurance premiums in accordance with the law, urging enterprises and insured persons to pay pension insurance premiums in full and on time; establishing and improving the pension insurance files and personal accounts of the insured persons, and safeguarding the safety and integrity of the pension insurance files in accordance with the law; paying the basic pension and other pension insurance benefits of the insured persons in accordance with the law; handling the pension insurance relationship and personal accounts of the insured persons, and ensuring the security and integrity of the pension insurance files. Pension insurance relations and personal accounts of the insured transfer procedures; timely preparation of the draft budget and final accounts of the pension insurance fund, accounting and statistical reports; operation of the pension insurance fund in accordance with the law, to ensure that the fund is safe and value-added; to provide consulting and querying services to the enterprise and the insured about the pension insurance; organization and promotion of social management services for retirees; the state and other duties stipulated by the local government. Scope of enterprise pension insurance contribution: According to the Interim Regulations on Social Insurance Collection and Payment (Decree No. 259 of the State Council), state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and their employees, institutions and their employees who have implemented enterprise management, and urban self-employed industrial and commercial enterprises and flexibly employed persons, are included in the scope of enterprise pension insurance collection and payment. Declaration of participation in enterprise pension insurance: participating units and individuals shall go through the procedures of declaration of participation and payment of contributions in accordance with the provisions of the Interim Measures for the Administration of Social Insurance Registration and the Interim Measures for the Administration of Declaration and Payment of Social Insurance Premiums. 1. When employing units (including individual industrial and commercial enterprises, hereinafter referred to as the same) declare participation in pension insurance in accordance with the law, the employing units shall apply for registration of social insurance in accordance with the regulations in a timely manner and shall be required to fill in the "social insurance registration form" and the "table of information on persons participating in social insurance", and the "form of information on persons participating in social insurance". Participants in social insurance form", and provide the following documents and information: (1) business license, approval of the establishment of documents or other approved practice documents; (2) organization unified code certificate; (3) the participants of the civil identity card, household registration, "labor contract" or can prove the existence of the labor relationship of the other information; (4) into the establishment of the transfer to the social security institutions in the place of transfer also need to provide the social security institutions issued by the (2) For those who are insured as flexibly employed persons, when they apply for social insurance registration, they should fill in the Form of Participants in Enterprise Pension Insurance and provide the following documents and information: (1) Identity card; (2) Hukou booklet; (3) If they have been insured in other integrated regions before registration, they should also provide the Form of Transfer of Enterprise Pension Insurance Relationship issued by the social security institution of the place of their original participation. Enterprise Pension Insurance Relationship Transfer Form"; (4) the termination of labor relations with the unit, should also provide "notice of termination of labor contract" or "notice of termination of labor contract" and other relevant evidence; units or individuals participating in the insurance through the audit, should be established in a timely manner to participate in the basic information, issued by the "Social Insurance Registration Certificate" and "Enterprise Pension Insurance Handbook". 3, the insured unit should be changed in accordance with the law of the social insurance registration, you need to Fill in the "social insurance change registration form", and provide the following documents and information: (1) social insurance registration change application; (2) industrial and commercial change registration form, the relevant departments or units approved by the change certificate; (3) social insurance registration certificate; (4) organization unified code certificate. After the examination and approval of social insurance changes, the content should be entered according to the requirements of the information system. If the content of the social insurance change registration involves the content of the social insurance registration certificate needs to be changed, the original social insurance registration certificate should be withdrawn and the social insurance registration certificate should be reissued.4. When the insured unit cancels the social insurance registration according to the law, the unit needs to fill in the Social Insurance Cancellation Registration Form, and provide the following documents and information according to the type of cancellation, respectively The following documents and information: (1) notification of cancellation or court ruling on corporate bankruptcy and other legal instruments; (2) the competent authorities of the unit to approve the dissolution, withdrawal, termination of the relevant documents; (3) the relevant departments to approve the transfer of the transfer of the transfer of the transfer of social security institutions agree to accept the proof; social insurance cancellation registration through the audit, should be withdrawn, cancel the "social insurance registration card", stamped with the "cancellation" chapter, sealed with the social security agency. " seal, seal all the information of the unit. The above business belongs to the individuality, and complete procedures on the same day to close, batch business the same month to close, special circumstances appropriate extension. Enterprise Pension Insurance Treatment Approval: 1, one month before the employee from the statutory retirement age, should make an application for retirement, fill out the "Basic Pension Insurance Treatment Audit Form", together with the following documents and information reported to the pension insurance agency for review: (1) a copy of ID card; (2) the proposed retiree files; (3) the new unit of participation in the new unit of participation in the former has been for the retirement (job) formalities, you need to provide the original approval has been approved by the Retirement (job) documents; (4) on the retirement due to illness, retirement and special types of retirees, the insured unit should be strictly in accordance with the provisions of the YuLao insurance [1999] No. 43 declaration and publicity, to provide the time and content of publicity; (5) policies and regulations of the other documents and information. Social insurance agencies to participate in the verification of the authenticity of the documents and information declared by the unit. 2, through the audit and approved by the Department of Labor and Social Security retirement, in accordance with the "Henan Provincial Department of Labor and Social Security, Henan Provincial Department of Finance on the reform of the basic pension of enterprise employees on a number of issues of the notice >" (Yu Lao Social Pension [2006] No. 26) the provisions of the document issued by the basic pension The establishment of the retired (job) personnel information database, print "retiree pension insurance treatment calculation sheet" in triplicate, social security institutions, archives, retirees, each one. 3, since the approval of the retirement (job) of the month following the month of the complete application procedures for pension insurance treatment payment of pensions, monthly through the bank or postal service to implement the socialization of the distribution of the monthly. 4, the death of the retired (job) personnel, the pre-retirement unit or the Community management service organizations or their dependent relatives, shall, within 5 days after the date of death, fill in the "Application Form for Death Benefits of Retired Personnel", and calculate the death benefits of retired (professional) personnel. For retired (professional) personnel who are unable to provide timely proof of death, missing persons, sentenced or reeducation-through-labor personnel, and those who refuse to provide proof of survival or are unable to prove their survival status, the pension insurance organization will stop issuing their pension insurance benefits.