The rapid development of the economy is already driving social reform in the mainland, and many forms have now changed dramatically in most parts of the continent. Especially in recent years, the mainland's economic level has been greatly improved, and the proportion of the mainland's voice in the global economic market has also begun to increase, which has also been greatly reflected in the masses of the people.
The production and life of the masses of the people have now undergone great changes, and there are many reasons for the increase in welfare benefits, and there have also been great changes in retirement benefits. The addition of occupational pension makes retirees have better benefits after retirement, so what is the difference between it and pension?
1. What is occupational pension and what is its fundamental significance and function?
The emergence of occupational pension is a result of the mainland's reform of enterprises and institutions, and it can be said that the emergence of occupational pension has completely changed the unitary pension model of grassroots work units in the mainland. The pension insurance system is under great pressure under the accelerated aging of the mainland, and the emergence of occupational annuity can effectively alleviate the pressure on the pension insurance fund.
Occupational annuity is now an additional supplementary system of five social insurances and one housing fund in the mainland, which is a very important reform for both employees of enterprises and institutions and for civil servants. This policy is due to the fact that the population is aging at an increasing rate.
As a supplementary part of the endowment insurance, the occupational pension is neither commercial insurance nor social insurance, but is used as a welfare system of an enterprise unit to protect the staff of the unit, especially the personnel of public institutions working at the grassroots level of the unit.
The role of occupational annuity is actually an additional retirement fund, but in detail, it is a supplement to the pension after retirement, and this kind of money is an additional part of the pension in addition to the pension. This is a more affordable policy benefit for people with greater pension pressure.
So what's the difference between the two? A lot of people have questioned this. Is the emergence of occupational pensions to replace pensions in the future? Where do the supplementary pension funds need to be paid? These are all questions that some retired and non-retired people are more concerned about, and we have also answered them one by one.
2. What is the difference between the two?
Occupational pensions and pensions actually have a lot in common, but at the same time, the nature of the two is completely different. Pension and occupational annuity are the main components of social insurance, and now these two are an insurance system that enterprises and institutions must pay, and this payment is mandatory and cannot be paid back.
First of all, whether it is an occupational pension or an endowment insurance, the scope of protection is roughly the same. Among the employees working in enterprises and institutions, as long as they have occupational pensions, they are required to participate in pension insurance, which is actually aimed at the formal employees of enterprises and institutions, and some employees of labor dispatch and contract employment do not have this guarantee.
Moreover, the contribution base of these two types of security is also exactly the same, and it can be said that the contribution base of occupational annuity and pension are paid according to the wage standard. Although the two are the same in terms of protection, there are still slight differences in nature, and the gap is actually very large.
For example, pension insurance is the main source of income for retirees today, and pension insurance is also an important part of the mainland social security fund. Different from endowment insurance, although the emergence of occupational annuity is to assist endowment insurance from the side, or as an additional supplement to endowment insurance, in fact, occupational annuity is also an independent payment system.
The two are completely different in terms of payment mode or payment ratio, individual payment pension insurance is carried out in accordance with the base of pension insurance and the proportion of individual contributions, occupational annuity is completely in accordance with the proportion of individual payment and enterprise and institution payment, and the proportion of individual payment of occupational annuity is only 4%.
If an employee dies, his occupational pension can be withdrawn in advance, which is very different from pension insurance.
3. Can I only receive an occupational pension for 139 months, and why do some people receive more?
Most people don't know much about occupational pensions, and many people find out that their occupational pension is 139 months, so they ask, can occupational pensions only receive 139 months?
In fact, the time of receiving occupational annuity is paid according to the calculation month, but the calculation month is completely different for different groups. Some people's calculation and payment months are dozens of months higher than others, which is also due to the mainland's previous retirement regulations.
This problem is actually because the calculation and payment months are different for different retirement ages, and the months of receiving occupational pensions are completely different according to different retirement ages. For example, in the mainland's retirement age, there is a five-year gap between men and women, and if it is a service position, the gap will be ten years, and naturally there is a big gap between the two months.
Similarly, we can calculate that the normal retirement age of female employees in enterprises and institutions is 55 years old, so the number of months after her retirement will be 170 months. This is also why the months of receiving occupational pensions are different for different people. Moreover, according to the regulations, the occupational pension can only be paid for the month of calculation, and it will not be paid after this time.
And why some people receive more than they receive is calculated according to the retirement age and the nature of the work, and the proportion of insurance and the level of wages will also affect the proportion of occupational pensions. Moreover, the occupational annuity was only implemented in 2014, and if you retire this year, then your occupational annuity is only 7 years, which is naturally less.
summary
As a supplementary part of pension insurance, occupational annuity will definitely be more standardized in the future. And the emergence of occupational annuity is also to cope with the problem of future pension difficulties, and whether occupational annuity will continue to rise in the future is also a concern of many people.
Nowadays, pensions are being raised every year. Unlike pensions, occupational annuities are a supplement, and the future increase is still relatively slim, but it is undeniable that with the continuous development of the national economy, occupational pensions should also be raised.
What do you think about occupational pensions? Do you pay occupational pensions to you?