According to Xinhua News Agency and other media reports, the General Office of the State Council recently issued the Measures for Occupational Pensions of Institutions and Institutions. The "Measures" stipulate that the occupational annuity system for staff of government agencies and institutions will be implemented from 20 14 10 1. This is an important part of the reform of the endowment insurance system in government agencies and institutions, which is of great significance for establishing a multi-level and sustainable endowment insurance system, ensuring the retirement life of staff in government agencies and institutions and promoting the rational flow of human resources.
How to receive an occupational annuity
According to the published method, the occupational annuity fund implements personal account management. Staff of government agencies and institutions can receive occupational annuities under three circumstances.
What is the first situation? Receive it monthly after retirement? . In the second case, the funds in the personal account of the occupational annuity for overseas residents can be paid to me in one lump sum according to my requirements. In the third case, if a staff member dies while in office, the personal account balance of his occupational annuity can be inherited.
When does the payment start?
? Occupational annuities of government agencies and institutions began to be issued this year, in synchronization with the payment of basic old-age insurance by government agencies and institutions. ? Jin Weigang, director of Ministry of Human Resources and Social Security Social Security Research Institute, said.
? Occupational annuity is a supplementary endowment insurance for the staff of government agencies and institutions. ? Jin Weigang said. The method is clear, and the expenses required for occupational annuities are shared by the unit and individual employees. The proportion of occupational annuity paid by the unit is 8% of the total wages of the unit, and the proportion of individual contribution is 4% of the wages paid by the unit, which is withheld and remitted by the unit.
Jin Weigang introduced, pension? Merge? After that, government agencies, institutions and their personnel should participate in the old-age insurance, and the payment standard and treatment are basically the same as the basic old-age insurance for urban workers. This part of the pension replacement rate (the proportion of on-the-job wages) will not exceed 60%, while the pension replacement rate of institutions and institutions before the reform is 70% to 90%.
In order to ensure that the retirement benefits of government agencies and institutions will not be reduced, occupational annuities will play a vital role, and the replacement rate is expected to increase by more than 20 percentage points through investment and operation.
How to get a pension after retirement
Tsinghua University Hu Naijun introduced? How many months? Subtract the retirement age from the life expectancy of urban residents and multiply it by 12. When the insured retires, the amount stored in the personal account divided by the number of months is the average monthly pension received in the personal account after retirement.
? Take a 60-year-old retiree as an example, the corresponding billing month is 139 months, that is to say, when he is 60 years old, his personal account is divided by 139, and he can receive one copy every month after retirement. ? Hu Naijun said,? /kloc-after 0/39 months, theoretically, the personal account will be exhausted, but the state will continue to pay. ?
Hu Naijun pointed out that if the insured person dies before the pension is issued and there is a balance in the personal account, the social insurance law stipulates that it can be inherited, and the decision has the same provisions; And if the survival time after retirement exceeds months, but the personal account pension has been paid, then the overall fund will come in handy and continue to pay the insured.
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