Social security knowledge, crayfish daily sharing 326th issue, welcome to follow!
Today [Crayfish] to share with you the knowledge of occupational pension!
First, why set up an occupational pension?
Occupational pension was established by the state at the time of the reform of the pension system of organs and institutions, that is, it was implemented in October 2014, and the specific provisions can refer to the "Decision of the State Council on the Reform of the Pension Insurance System for Employees of Organs and Institutions"
At present, the endowment insurance system system in the mainland is divided into three levels, while the occupational pension is at the second level, which is a supplement to the endowment insurance system.
According to the data, the average pension replacement rate of personnel in organs and institutions after retirement is about 80%, and after the system reform in 2014, the pension replacement rate of personnel in organs and institutions is only about 60% on average, and the decline is still relatively large.
In order to ensure the treatment of personnel of organs and institutions after the reform of the pension insurance system, to ensure that their living standards after retirement will not be reduced due to the reform of the system.
2. What is the amount of occupational pension payment?
Occupational pension is paid jointly by individuals and units, under normal circumstances, individuals pay 4% of the social security base, and units pay 8% of the social security base.
The above is only in general, special cases also have 1:3 payment, and even a higher proportion exists.
For example, Zhang Moumou, a personnel of an organ and institution, has a social security payment base of 6,000 yuan, his pension insurance needs to pay 480 yuan, medical insurance needs to pay 120 yuan, and occupational annuity needs to pay 240 yuan.
Similarly, the 480 yuan occupational annuity paid by the unit is also entered into the personal account, and the actual arrival of the personal account is 720 yuan, accumulating 8640 yuan in one year.
3. Is there interest on occupational annuities?
Occupational annuity is an important part of the pension insurance system, therefore, occupational annuity also has interest.
Here is a special explanation, the occupational year metal paid by the individual enters the account in the real account, and the unit pays in two ways: the full financial appropriation is calculated as a false account, the actual account is recorded according to the annual interest rate at retirement, and the non-full appropriation unit pays part of the real account.
Occupational pension funds are invested and operated in accordance with relevant regulations.
4. How to receive occupational pension? How many years will it take?
Occupational pension collection methods are currently divided into two ways: one-time collection and batch collection.
One-time claims are divided into two situations: one is a one-time claim before retirement, and the other is a one-time claim after retirement.
The one-time payment before retirement is also divided into two situations: one-time payment after settling abroad, and one-time collection after the death of a person.
A one-time payment after retirement refers to the one-time purchase of commercial insurance for occupational annuities after retirement.
Note: Unlike the enterprise annuity, the occupational annuity can only purchase commercial insurance at one time, not a one-time advance cash!
There are three types of batch collection: monthly, quarterly, and annual.
For example, Zhang X retired at the age of 60, the occupational pension is 139,000 yuan, and the number of months for retirement at the age of 60 is 139, then Zhang X can receive 1,000 yuan per month after retirement, which is 3,000 yuan per quarter and 12,000 yuan per year.
Fifth, a few points to explain
Note 1: Due to the existence of occupational annuity interest, the time limit for receiving occupational annuity will be more than the number of months, and the more the amount of occupational annuity account, the longer the time limit for receiving.
Explanation 2: The value preservation attribute and stability attribute of occupational annuity are very high, which can be compared with the endowment insurance of enterprise employees (not flexible employment personnel)!
Explanation 3: Occupational pension payment is mandatory, so organs and institutions should pay, otherwise it is a violation of laws and regulations.
Note 4: Occupational pensions also have the same number of years of contribution, and the reference pension is the same number of years of contribution.
Explanation 5: In theory, no one (Sichuan may be an exception) should receive occupational pensions now, because those who are now retired are "middle-aged people", and the pension reimbursement has not been sorted out, let alone occupational pensions?
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