Implementing rules for the reform of the pension insurance system in institutions

Hello! Organizational institutions pension insurance system reform implementation measures, the provinces, municipalities directly under the central government. Autonomous regions have been introduced successively, the provinces. Municipalities directly under the Central Government. Autonomous region of the implementation of the rules are similar. Anhui Province, for example, is stated as follows:

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Social integration and individual accounts combined, more pay more, long pay more

◎Pension insurance individual contribution ratio for my contribution to the wage base of 8%

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Unit contribution ratio of the unit of this unit of the total amount of the wages of the insured employees to contribute to the 20% of the total amount of the wages of the unit of the contribution

December On the 23rd, the reporter learned from the provincial Department of Human Resources and Social Security, the provincial government recently issued "on the implementation of the reform of the pension insurance system of the institutional staff," aimed at integrating the construction of urban and rural social security system, the establishment of a more equitable and sustainable pension insurance system.

The scope of the reform includes units managed under the civil service law, organs (units) managed under the civil service law with reference to the civil service law, and institutions and their staff within the establishment. After the reform, the basic pension insurance system combining social coordination and individual accounts will be uniformly implemented, with more contributions and more payouts over time.

Basic pension insurance premiums are borne by both the unit and the individual **** the same burden, the unit contribution base for the unit to participate in the organization of the pension insurance staff of the individual contribution to the sum of the wage base, the proportion of 20%; the individual contribution base for the individual contribution to the wage base, the proportion of 8%, withheld by the unit. A basic pension insurance individual account is established in the amount of 8% of one's contributory salary, all of which is formed by individual contributions. The amount stored in the individual account is only used for the staff's old age, and shall not be withdrawn in advance, and the interest is calculated annually in accordance with the bookkeeping interest rate announced by the state, and is exempted from interest tax. If a participant dies, the balance of the individual account can be inherited in accordance with the law.

According to the relevant state regulations, the opinions on the reform of the pension insurance system for the staff of institutions and agencies in all provinces have been implemented since October 1, 2014.The period from October 1, 2014 to September 30, 2024 is a transitional period. After the implementation of the opinions, how to receive the pension for the staff of institutions and organizations? Specifically divided into five cases.

After the implementation of the opinion to participate in the work, personal contributions for a total of 15 years of staff, after retirement, the basic pension will be issued on a monthly basis. The basic pension consists of a basic pension and a personal account pension. The monthly standard of the basic pension at the time of retirement is based on the average of the average monthly salary of the employees on duty in the province in the previous year and the average of their indexed monthly contribution salary, with 1% being paid for every year of contribution. The monthly standard of personal account pension is the amount of personal account storage divided by the number of months of payment. The number of months of payment is determined by the average life expectancy of the urban population at the time of retirement, the age of retirement, interest and other factors.

Staff who joined the workforce before the implementation of the opinion, retired after the implementation of the individual contribution period (including the deemed contribution period) totaled 15 years, on the basis of the basic pension and individual account pension, and then based on the length of the deemed contribution period of transitional pensions. Among them, the staff who retired during the transition period, in accordance with the principle of reasonable convergence and smooth transition, to determine the treatment calculation method.

After the implementation of the views of the retirement age but personal contributions (including deemed contributions) accumulated less than 15 years of staff, its basic pension insurance relations and basic pension calculation in accordance with the implementation of the "Chinese people's *** and the State Social Insurance Law" a number of provisions.

Opinions have been retired before the implementation of the staff, continue to pay the basic pension in accordance with the original treatment standards, while the implementation of the basic pension adjustment method.

Retirees are still in accordance with the national and provincial unified provisions of the severance pay, and adjust the relevant treatment.

In addition, the views also put forward, adjust the part of the staff retirement retirement fee increase method, the establishment of the basic pension normal adjustment mechanism, and do a good job in the transfer of pension insurance relations. At the same time, institutions should establish occupational pensions for their staff on the basis of participation in basic pension insurance. The unit contributes 8% of the unit's contributory salary, and the individual contributes 4% of his own contributory salary.

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