What is an enterprise annuity?
When it comes to enterprise annuity, many people are at a loss. The so-called enterprise annuity refers to the supplementary old-age insurance system independently established by enterprises and their employees through collective consultation on the basis of participating in basic old-age insurance.
In short, the enterprise annuity is a supplementary pension insurance. If you participate in the basic old-age insurance and enterprise annuity at the same time, you can receive two pensions after retirement.
It should be noted that enterprise annuity is not a new thing, but an old system that has been implemented for more than ten years. The "Measures for Enterprise Annuity" issued this time is a revision and improvement of the "Trial Measures for Enterprise Annuity" in 2004.
Who can attend?
According to the data of Ministry of Human Resources and Social Security, by the end of 20 16, there were 76,000 enterprises and 23.25 million employees in China, and the accumulated amount of enterprise annuity fund was 1. 1 trillion yuan.
Compared with endowment insurance, the penetration rate of enterprise annuity is not high. Zhang Yinghua, executive researcher of World Social Security Research Center of China Academy of Social Sciences, told reporters that this is mainly because enterprise annuities are voluntary, and many enterprises, especially small and medium-sized enterprises, have no motivation and ability to participate.
The new regulations issued this time clearly point out that the state encourages enterprises to establish enterprise annuities. Nie Mingjuan, director of Ministry of Human Resources and Social Security Pension Insurance Department, said that the enterprise annuity method weakened the voluntary nature of enterprise annuity and encouraged qualified enterprises to establish enterprise annuity. The "Enterprise Annuity Measures" are not only applicable to all kinds of enterprises in cities and towns, but also other employers and their employees who participate in the basic endowment insurance for enterprise employees can establish enterprise annuities.
What are the benefits of participation?
For employees, it is conducive to improving the income level of employees after retirement. Nie Mingjuan pointed out that if employees participate in the enterprise annuity and jointly pay for their enterprise annuity personal accounts, through long-term accumulation and investment operation, the effective appreciation of enterprise annuity personal account funds can be realized, which is conducive to receiving basic pension after retirement, increasing another income and improving living standards.
For enterprises, Ministry of Human Resources and Social Security said that the establishment of enterprise annuity is conducive to improving the salary system of employees, showing the good culture of enterprises, enhancing the attraction of talents and stabilizing the workforce.
where is the money to come from?
Who will pay the enterprise annuity? According to the "Enterprise Annuity Measures", the expenses required for enterprise annuities are jointly paid by enterprises and individual employees. The enterprise payment shall not exceed 8% of the total wages of the employees of the enterprise every year. The total contributions of enterprises and employees shall not exceed 12% of the total wages of employees of the enterprise. The specific expenses shall be determined through consultation between the enterprise and the employees. Individual contributions of employees shall be withheld and remitted by enterprises from individual wages of employees.
Zhang Yinghua calculated an account for the reporter: Take a person's salary of 6,000 yuan as an example. If his company has established an enterprise annuity, the unit pays 8% per month, that is, 480 yuan, and the individual employee pays 4% per month, that is, 240 yuan, which adds up to 720 yuan; If the payment salary is 10000 yuan, the total payment is 1200 yuan. These contributions can be deducted from the taxable income of enterprises and individuals, that is, they are tax-free.
Ministry of Human Resources and Social Security also said that enterprise annuities can enjoy preferential tax policies of the state. For those contributions that meet the requirements of the state, enterprise contributions can be deducted before tax, and individual contributions can be deducted from the taxable income in the current period.
How to manage this money?
According to the regulations, enterprise contributions should be included in the personal account of employee enterprise annuity according to the proportion and method determined in the enterprise annuity plan, and individual employee contributions should be included in my personal account of enterprise annuity.
Ministry of Human Resources and Social Security stipulates that the enterprise annuity shall be fully accumulated, and a personal enterprise annuity account shall be established for each employee who participates in the enterprise annuity. Employee enterprise annuity personal account is composed of enterprise payment sub-account and individual payment sub-account, which records the part of enterprise payment allocated to individuals and their investment income, as well as individual payment and investment income respectively. The enterprise annuity fund shall be invested and operated in accordance with the relevant provisions of the state, and the income from investment and operation shall be included in the enterprise annuity fund.
In addition, according to the different positions, responsibilities and contributions of employees, enterprises can have certain differences in the distribution of enterprise contributions, which reflects the incentive effect of enterprise annuity; At the same time, we should also give consideration to fairness and control the gap. The maximum current payment of the enterprise included in the employee enterprise annuity personal account shall not exceed 5 times the average amount.
When can I get it?
Under what circumstances can employees receive enterprise annuity treatment? According to the "Enterprise Annuity Measures", employees who reach the retirement age stipulated by the state, completely lose their ability to work and settle abroad can receive enterprise annuities. After the death of an employee or retiree, the personal account balance of the enterprise annuity can be inherited.
Among them, it is a new content that employees can receive enterprise annuity when they completely lose their ability to work, which is conducive to further embodying the security role of enterprise annuity and appropriately improving the lives of employees who completely lose their ability to work.
What are the collection methods?
Pensions are received on a monthly basis, so how to receive enterprise annuities? This revision has improved the way of receiving benefits, and there are four ways to choose from.
According to the regulations, when employees reach the retirement age stipulated by the state or completely lose their ability to work, they can receive enterprise annuities from their personal accounts on a monthly basis, in installments or at one time, or they can purchase commercial endowment insurance products with all or part of the funds in their personal accounts, and receive treatment according to the insurance contract and enjoy the corresponding inheritance rights.
What about changing jobs?
Someone asked, if you change jobs, what about the enterprise annuity? In this regard, the "Enterprise Annuity Measures" stipulates that when employees change their work units, if the new employment unit has established an enterprise annuity or occupational annuity, the rights and interests of the original enterprise annuity personal account will be transferred to the new employment unit enterprise annuity or occupational annuity.
If the employee's new employment unit has not established enterprise annuity or occupational annuity, or the employee is studying, joining the army or unemployed, the original enterprise annuity personal account can be temporarily managed by the original management institution, or it can be temporarily managed by the reserved account established by the collective plan initiated by the legal person trustee.
Population aging is one of the main social problems facing our country in this century.
How to deal with the arrival of the aging era?
How to serve the 6,543,800+4,000 old people in the ancient city,
Let the elderly enjoy a happy old age?
Recently, Xi issued the Implementation Plan for Solving the Difficulties in Providing for the Aged, Improving the Service Quality and Promoting the Innovation and Development of the Aged Care Service Industry, with four highlights to fill the shortcomings and six highlights, which once again injected new impetus into the healthy and sustainable development of the aged care service industry in our city.
Look at the highlights of six aspects.
1. The financial support subsidy standard for afterburner is improved.
Formulate the subsidy policy of combining medical care with nursing care
Improve the subsidy policy for community home-based care for the elderly and rural happy homes.
Increase the government's efforts to purchase old-age services.
2. Restart reform and innovation, and improve the enthusiasm of social forces to participate.
In strengthening reform and innovation, the Civil Affairs Bureau guides social forces to participate in the aged care service, and strives to make the market play a decisive role in the allocation of aged care service resources.
Adhere to both construction and management, and give full play to the role of facilities.
Innovate the development and operation mode of old-age care institutions.
Innovation promotes the development of "smart pension" service.
3. Policy breakthroughs have increased investment and financing.
Arrange special financial funds for the construction of old-age service system.
New breakthroughs have been made in coordinating the construction of urban and rural social pension service system.
Enhance the attractiveness of the old-age support policy.
4. All-round formation of synergy, combination of medical care and nursing, and the effect is outstanding.
Vigorously support medical and health resources to enter the old-age care institutions.
If the applicant intends to hold a service institution combining medical care with nursing care, the civil affairs and health planning departments shall, after receiving the application, handle the examination and approval in a timely manner according to their respective functions and duties, and shall not take mutual examination and approval matters as preconditions for examination and approval, and shall not shirk each other.
Innovating the combination of community medical care and nursing. Comprehensive establishment of community health electronic files for the elderly.
5. The service quality of old-age care institutions has improved.
Strengthen the management of nursing homes and carry out special actions to standardize service quality.
Strengthen the licensing management of pension institutions.
Continue to strengthen the construction of old-age care institutions.
6. Market cultivation is conducive to the new development of the pension industry.
Fully liberalize the pension market.
Focus on cultivating the development subject of the aged care service industry.
Four protruding short boards
1. Highlight basic insurance and further improve the basic old-age service guarantee system.
2. Highlight planning guidance and make overall planning and development of urban old-age service facilities.
3. Highlight and strengthen the foundation and vigorously develop community home care services.
4. Highlight shortcomings and effectively strengthen rural old-age care services.
Good news!
The state gives money to married people,
Single, come on!
Every gram of gold subsidizes 3 yuan, private cars subsidize 500 yuan, and 5% of the total expenses can be reimbursed for taking wedding photos ... Yesterday, the news that newlyweds in Shanxi Province can receive marriage consumption subsidies for free within one year of marriage attracted widespread attention.
The marriage compensation fund is aimed at newcomers who get a marriage certificate within one year. Subsidies include wedding photography, wedding hotels, wedding celebrations, wedding room decoration, honeymoon trips, household appliances and so on. It basically covers all aspects of wedding consumption. The subsidy standard is gold 3 yuan/gram, car consumption is 500 yuan/car, and other consumption items such as wedding photography are subsidized by 5% of the average consumption.
After the relevant materials are submitted to the corresponding platform to apply for marriage compensation, you can enjoy the subsidy by purchasing the services or goods of the designated unit offline, or receive the subsidy within 15 working days after uploading the consumption voucher.
The person in charge of the Taiyuan Service Center of the Marriage Compensation Fund introduced that the fund can effectively curb unreasonable phenomena such as luxury consumption and sky-high prices and guide rational consumption by formulating reasonable subsidy rules. As the first pilot city of marriage consumption subsidy in China, Taiyuan has formed a complete service model of public welfare support, industry supervision and enterprise participation. At present, more than 1000 couples of newly married young people in Taiyuan have applied for subsidies and enjoyed welfare in wedding hotels and wedding photography.
In addition to subsidizing newlyweds, the fund will also subsidize families with special difficulties, disabilities and double support. Anyone who has been approved by the civil affairs department to support the special care recipients and help poor families in the community can apply for public welfare services such as free basic consumption for marriage with the proof of the community and the civil affairs department.
Click a thumb with envy!
I hope Shaanxi can enjoy this welfare as soon as possible!
But only if you have someone to marry. ......