The latest social security integration of public institutions

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The endowment insurance of public institutions will be merged, and personal insurance will be paid from June 20 14 to June 2004.

On June 4, 20 15, 15, the State Council issued the "Decision on the Reform of the Pension Insurance System for Staff in Government Offices and Institutions", and decided to reform the pension insurance system for staff in government offices and institutions from June 6, 20 10; At the same time, it was decided to uniformly raise the national minimum standard of basic old-age insurance for urban and rural residents and raise the national basic old-age pension standard for enterprise retirees again. The integration of pensions has been officially launched, which means that nearly 40 million institutions will bid farewell to the era of "free payment".

change

Issue a social security card.

This time, the State Council made it clear that the national pension system will be "consolidated" and the institutions and institutions will be reformed simultaneously. This means that all institutions managed in accordance with the Civil Service Law, institutions (units) managed with reference to the Civil Service Law, institutions within the establishment and their staff, also known as "personnel within the system", will start the reform.

For a long time, these people and their units have not paid the old-age insurance, and they eat "financial meals" after retirement. The reform will change this situation: in the future, these people will pay pensions with reference to enterprises and other urban workers, and will issue a unified national social security card, from unit pension to socialized pension.

pay

Personal occupational annuity needs to pay 4% of salary.

After the reform, employees of government agencies and institutions will receive:

Basic pension+personal account pension+occupational annuity

Calculation:

The monthly salary is 5000, and you have to pay 600.

Xiao Ming is a civil servant. Apart from allowances and subsidies, he earns 5000 yuan a month. Before the reform, units and individuals did not have to pay fees, and Xiaoming still had a pension after retirement. After the reform, Xiaoming has to pay 400 yuan endowment insurance every month.

Occupational annuity, 4% of the salary paid by the individual. So Xiao Ming has to pay 200 yuan, plus 400 yuan, basic old-age insurance, and 600 yuan. The money will be deducted from Xiao Ming's monthly income and will go into Xiao Ming's personal pension account. Together with the unit payment, it will be paid monthly after retirement.

receive

20 14 10 1 is the key point.

The reform was implemented from 20 14, 10, 1, so 10, 1 became the key point to receive the pension.

Retire before June 1.

Continue to pay the basic pension according to the original treatment standard stipulated by the state, and at the same time implement the basic pension adjustment method.

10, 10 to join the work, and the individual payment period accumulates to 15.

Basic pension and occupational annuity will be paid monthly after retirement.

Basic pension = basic pension+personal account pension

Basic pension: based on the average monthly salary of local employees in the previous year and my indexed monthly salary, it will be paid every full month 1 year 1%.

Personal account pension:

The amount of personal account divided by the number of months is determined according to the average life expectancy of urban population when I retire, my retirement age and interest.

Worked before 65438 1 October 1, retired after 1 year1October/,and accumulated payment years 15.

In accordance with the principle of reasonable convergence and smooth transition, on the basis of basic pension and personal account pension, transitional pension is paid according to the length of deemed payment period. Specific measures shall be formulated and implemented by Ministry of Human Resources and Social Security in conjunction with relevant departments.

1 October 1 day1retired, and the accumulated individual payment period is less than 15.

The relationship between the basic old-age insurance and the calculation of the basic old-age pension shall be implemented according to the "Several Provisions on the Implementation of the Social Insurance Law of People's Republic of China (PRC)". In other words, you can choose to pay some money according to the regulations and then enjoy the pension; Or directly transfer to an old-age insurance system and get a lower pension.

Note: There is also a transitional pension.

According to the relevant person in charge of Ministry of Human Resources and Social Security, there are two main policies of "gradual transition": First, the working years without individual contributions before the reform are determined as "deemed payment years", and basic pensions and transitional pensions will be given according to factors such as the length of deemed payment years in future retirement.

The second is to set a transition period of a certain period, during which the old and new methods of calculating and distributing pension benefits are compared to ensure that the original level of benefits will not be reduced.

deal with

How much you get for retirement has nothing to do with your job title.

For a long time, some institutions and institutions have often been suddenly promoted to ranks and titles before retirement. This situation may change with the reform.

This is because, before the reform, the pensions of government agencies and institutions were paid together according to the last month's wages of employees, and adjusted with the wage adjustment of government agencies and institutions. After the reform, the pension standard will be calculated according to how much I have paid over the years and the length of the payment period. This means that even if Xiaoming didn't get a promotion before retirement, he may get more pension than his boss because of his long payment period. This is also a major change, which is conducive to avoiding mutual comparisons and gradually establishing an adjustment mechanism for pension benefits that takes into account all types of personnel.

In addition, before the reform, government agencies and institutions must implement a unified national wage system. Due to the different wage structure, the pension allocated by government agencies and institutions according to the basic salary is equivalent to the basic pension level of enterprise personnel. However, with the retirement allowance paid according to government subsidies and performance pay, the pensions of government institutions and institutions are higher than the basic pensions of enterprises. Today, this factor no longer exists.

More importantly, people who retire at the same age have the same number of months, so the more they pay, the higher the level of treatment; For people who have accumulated in the same personal account, the later they retire, the fewer months they plan to pay, that is, the smaller the divisor, so the higher the treatment level-which means "pay more" and "pay more for a long time".

These reform points cannot be ignored-

Personal account:

Personal account storage is only used for employee pension, and it is not allowed to withdraw in advance. Interest is calculated every year according to the bookkeeping rate uniformly announced by the state, and interest tax is exempted.

If the insured dies, the balance of the personal account can be inherited according to law.

Retirees:

Retirees from government agencies and institutions still pay retirement fees according to the unified provisions of the state, and adjust the relevant treatment.

Relationship transfer:

The insured person flows between institutions within the same overall planning scope, only transferring the pension insurance relationship, not transferring the fund.

The insured person flows across the scope of overall planning or between organs, institutions and enterprises. When the old-age insurance relationship is transferred, the storage amount in the personal account of the basic old-age insurance will be transferred, and the fund will be transferred according to the sum of 12% after the reform. If the insured payment is less than 1 year, the transfer fund shall be calculated according to the actual payment months.

After the transfer, calculate the payment period of basic old-age insurance (including deemed payment period) and the accumulated storage amount of personal account.

Financing mechanism:

Social insurance collection agencies at all levels should earnestly strengthen the collection of funds, so that all receivables can be collected. Governments at all levels should actively adjust and optimize the structure of fiscal expenditure, increase the input of social security funds, ensure that basic pensions are paid in full and on time, and provide corresponding financial guarantee for the establishment of occupational annuity system.

interpret

It is hard to say whether the occupational annuity is compulsory or not.

Regarding the promulgation of the Decision, Cai Xiangdong, deputy dean and professor of the School of Public Administration of Jilin University of Finance and Economics, said that after the reform, the payment method of endowment insurance for institutions and institutions is the same as the basic endowment insurance for enterprises. The difference is mainly reflected in the occupational annuity. It is clear in the Decision that government agencies and institutions should establish occupational annuities for their staff on the basis of participating in the basic old-age insurance. Cai Xiangdong believes that "should" cannot be understood as "compulsory" of "must" here. Therefore, whether the occupational annuity can be enforced or not depends on how Ministry of Human Resources and Social Security and the Ministry of Finance formulate it in the future.

Cai Xiangdong said that in fact, in addition to the compulsory social basic old-age insurance, there is also an enterprise annuity system for enterprise employees, but this system is not mandatory for enterprises, but it is up to enterprises to decide whether to implement it and the scale of implementation according to their own economic benefits and talent development strategies. At the end of 20 12, 54,700 enterprises in China established enterprise annuities. According to the website of the State Administration for Industry and Commerce, as of the end of March 20 13, there were13,748,800 enterprises in China, which shows that the proportion of enterprises establishing enterprise annuities is less than 0.4% of all enterprises.