I don t have to pay an annuity for three years before I retire

It's good to pay an annuity. When you pay the annuity, the annuity part is not subject to the payer income tax.

When receiving it, it can be partially exempted according to the regulations.

According to the "Notice on Issues Concerning Individual Income Tax on Enterprise Annuity and Occupational Annuity" Cai Shui [2013] No. 103:

1. Enterprises and public institutions (hereinafter referred to as units) in accordance with the measures and standards stipulated by the relevant national policies, for all employees serving or employed in the unit to pay the enterprise annuity or occupational annuity (hereinafter referred to as the annuity) unit contributions, when included in the personal account, the individual shall not pay individual income tax temporarily.

2. The part of the annuity paid by the individual in accordance with the relevant national policies shall be temporarily deducted from the individual's taxable income in the current period if it does not exceed 4% of the tax base of the salary paid by the individual.

The part of the annuity unit and individual contribution paid in excess of the above-mentioned standard shall be incorporated into the individual's current wage and salary income, and the individual income tax shall be calculated and levied in accordance with the law. The tax shall be withheld and paid by the unit that established the annuity, and shall be declared and paid to the in-charge tax authority.

3. The annuity received by an individual on a monthly basis after the implementation of this notice when he or she reaches the retirement age stipulated by the state shall be subject to individual income tax in full according to the applicable tax rate of the "income from wages and salaries"; After the implementation of this notice, the annuity received annuity on an annual or quarterly basis shall be apportioned equally among each month, and the full amount of the monthly payment shall be calculated and levied on individual income tax according to the applicable tax rate of the item "income from wages and salaries".

4. For units and individuals who have started to pay annuity contributions before the implementation of this notice, and individuals receive annuities after the implementation of this notice, they are allowed to deduct from the annuity received the part of the annuity paid by the unit and individual before the implementation of this notice and have paid individual income tax, and the balance shall be taxed in accordance with the above provisions. In the case of an individual receiving annuity in installments, the taxable income of the current period can be deducted from the percentage of the annuity payment amount paid before the implementation of this notice to the total payment amount, and the balance after the deduction shall be calculated and paid in accordance with the above provisions.

If you don't pay enough for 15 years, you still need to pay it.

For those who have paid contributions for 15 years but have not yet reached retirement age, they should continue to participate in social insurance and pay pension insurance premiums according to regulations. If the payment is interrupted, when the basic pension insurance benefits are determined when the retirement age is reached, the calculation base of the basic pension can only be determined according to the average salary of the city's on-the-job employees in the previous year when the payment is interrupted; If the payment is interrupted for many times, the whole year of the interruption of payment shall be deducted, and the cumulative payment period shall be calculated, and the basic pension shall be determined according to the calculated payment period and the average monthly salary of the city's on-the-job employees in the previous year.

There is no grade to say.

Pension calculation formula.

1 year before retirement, the local average salary + personal indexed salary) 2 * 1% * payment period + (personal account balance 139).

You pay as many years as you want.

Summary. Hello dear, I am happy to answer for you, according to your question, the result of your analysis from a legal perspective is as follows: you have reached retirement age but there are still three years of pension that have not been paid can be made up.

When you retire, you can go through the retirement procedures after paying the 3-year social security in a lump sum.

Dear, hello, I am happy to answer for you, according to your question, the result of your analysis from a legal point of view is as follows: you have reached retirement age but there are still three years of pension that have not been paid. When you apply for the retirement of Fool Hui, you can go through the retirement procedures after paying the social security for 3 years at one time.

I'm 60 years old, and I still have three years to pay, can I pay it, dear, I can make up for it.

Dear, you need to make up the payment before you retire.

Legal analysis: Before retiring, you can go to the social security department to consult the amount to be paid, and then go through the procedures for payment and refund at one time after you are ready. When employees reach retirement age, the most auspicious slag code of pension insurance is less than 15 years, and it can be made up at one time, but this is a provision on the age of the hand, and it must reach a certain age before it can be made up at one time.

Submission materials 1, the original and photocopy of the insured's ID card and household registration booklet; 2. Fill in the "Application Form for Supplementary Payment of Social Pension Insurance for Urban Residents" 1. The applicant submits the application materials to the social security office of the town and street to which the household registration belongs; 2. For the eligible insured, the social security office will handle it after reviewing the information; 3. After the business is completed, inform the applicant that he can apply for retirement benefits after successful payment. No handling fee will be charged for the charging standard and according to the business, and the supplementary insurance premium shall be implemented in accordance with the relevant regulations. The processing time limit will be completed within 20 working days after acceptance.

Place of application: social security institution of the town (street) where the household registration is located.

The social security center is playing me to find a job and work for three years to make a full payment, is there such a rule, dear, then he wants you to extend your retirement.

I can't work physically, I'm 60 years old now, is there a pounce policy, it's just three years away, kiss, you can make up for it, there is a make up policy.

Thank you, I'll handle it next week, legal basis: Article 16 of the "Social Lujube Insurance Law of the People's Republic of China" Individuals who participate in the basic endowment insurance, when they reach the statutory retirement age, have paid for 15 years, and receive the basic pension on a monthly basis. Individuals who participate in the basic endowment insurance and have paid more than the first 15 years when they reach the statutory retirement age can pay for 15 years and receive the basic pension on a monthly basis; It can also be transferred to the new rural social endowment insurance or urban residents' social endowment insurance, and enjoy the corresponding endowment insurance benefits in accordance with the regulations.

Article 27 Individuals who participate in the basic medical insurance for employees who have reached the statutory retirement age and have paid contributions for the number of years specified by the state shall no longer pay the basic medical insurance premiums after retirement, and shall enjoy the basic medical insurance benefits in accordance with the provisions of the state; If the number of years prescribed by the state has not been reached, the fee can be paid until the number of years prescribed by the state.

Summary. Hello dear! Glad to serve you!

Do not pay an occupational pension after retirement. There is no occupational pension after retirement, based on the provisions of the Pension Insurance Law, occupational pension is a kind of pension insurance, but the difference with pension insurance is that occupational pension can only be received when you are in office.

Hello dear! Glad to serve you! Do not pay an occupational pension after retirement.

There is no occupational annuity after retirement, the basis is that according to the provisions of the pension insurance law, the occupational annuity is a kind of pension socks insurance, but unlike the pension insurance, the occupational annuity is only high and good can be received when you are in office.

Only the staff of government agencies and institutions can pay occupational pensions, so if they are employees of government agencies and institutions and meet the prescribed retirement time, then they must have occupational pensions after retirement. According to the provisions on the reform of the basic pension insurance of government agencies and institutions promulgated in October 2014, the occupational pension system is a mandatory supplementary insurance system for state agencies, and all employees of public institutions must pay it on a monthly basis. In fact, the occupational pension is a kind of supplementary pension insurance, and the purpose of implementing this provision itself is to ensure the pension treatment of retirees in government institutions and institutions, and when they retire, they can not only lead the pension but also enjoy the occupational pension treatment, and the occupational pension can be given to about 30% of the pension.

At the same time, according to the policy, the individual contribution of the occupational annuity accounts for 4% of the personal salary, and the unit will pay 8% into the employee's personal account according to the proportion of the employee, plus the interest income of the annual annuity, which can only be received after retirement.

Legal analysis: 1. It affects the timely retirement and less pension.

2. Unable to enjoy the medical insurance benefits of retired employees on time.

3. After retirement, the pension is complete for more than a year, and it grows less.

Legal basis: Article 73 of the Labor Law of the People's Republic of China Workers shall enjoy social insurance benefits in accordance with the law under the following circumstances: (1) retirement; (2) Illness or injury; (3) Suffering from work-related disability or occupational disease; (4) unemployment;

5) Childbearing. After the death of a worker, his surviving family members are entitled to survivors' allowances in accordance with the law. The conditions and standards for workers to enjoy social insurance benefits shall be prescribed by laws and regulations. Social insurance contributions must be paid in full and on time.

Summary. Hello. Legal Analysis:

Do I still have to pay an occupational pension after retirement: I don't have to pay an occupational pension. Occupational pension is a form of supplementary pension insurance for the staff of government institutions and institutions, and all the government institutions and staff who have paid occupational pension shall enjoy occupational pension benefits in addition to the basic pension treatment when they reach the statutory retirement age for retirement.

The basic pension and occupational annuity constitute the pension benefits of the staff of government agencies and institutions after retirement.

Hello. Legal Analysis: Do I Still Have to Pay Occupational Pension After Retirement:

There is no need to pay a roundstone annuity. Occupational pension is a form of supplementary endowment insurance for the staff of government institutions and institutions, all the institutions and staff who have paid the occupational annuity, their staff when they reach the statutory retirement age for retirement, in addition to enjoying the basic pension treatment of model grandchildren, but also enjoy occupational pension treatment. The basic pension and occupational annuity constitute the pension benefits of the staff of government agencies and institutions after retirement.

Legal basis: Article 1 of the "Interim Measures for the Retirement and Retirement of Workers" Article 1 Workers of enterprises, public institutions, state organs, and people's organizations owned by the whole people who meet one of the following conditions shall retire from the mold: (1) Men are at least 60 years old, women are at least 50 years old, and have worked continuously for 10 years.

2) Engaged in underground, high-altitude, high-temperature, particularly heavy physical labor, or other work harmful to physical health, at least 55 years of age for men and 45 years of age for women, and having worked continuously for 10 years or more. This provision also applies to grassroots cadres whose working conditions are the same as those of workers. (3) Men who have reached the age of 50 and women who have reached the age of 45, who have worked continuously for 10 years or more, and who have been certified by the hospital and confirmed by the labor appraisal committee that they are completely incapacitated to work.

4) Disabled due to work, certified by the hospital and confirmed by the labor appraisal committee, completely incapacitated to work.

Summary. There are two main reasons for the non-payment of occupational pensions: (1) The retirees' insured units fail to pay off the retirees' occupational pension units to the tax bureau in time.

2) The payment base of endowment insurance of government institutions and institutions shall be consistent with the payment base of occupational annuity. Due to the inconsistency between the pension insurance payment base and the occupational annuity payment base of some insured personnel at the time of declaration, it must be reported to the provincial social security center through the operation and maintenance system for adjustment and processing, and after the data adjustment processing, the provincial social security center will issue occupational annuity on a monthly basis from the next month, and reissue it from the month of retiree treatment until the personal account is paid.

There are two main reasons for the non-payment of occupational pensions: (1) The retirees' insured units fail to pay off the retirees' occupational pension units to the tax bureau in time. 2) The payment base of endowment insurance of government institutions and institutions shall be consistent with the payment base of occupational annuity.

Due to the inconsistency between the pension insurance payment base and the occupational annuity payment base of some insured personnel at the time of declaration, it must be reported to the provincial social security center by our center through the operation and maintenance system for adjustment and processing, and after the data is eliminated and adjusted, the provincial social security center will issue occupational annuity on a monthly basis, and reissue it from the month of the issuance of retirees' treatment until the personal account is issued.

I hope mine is helpful to you, thanks.

After retirement, the staff can choose two ways to receive occupational pension benefits on a monthly basis: one is to purchase commercial pension insurance products at one time, and then receive the benefits on a monthly basis according to the insurance agreement; The other is to choose to calculate and pay the monthly treatment standard of occupational annuity according to the number of months corresponding to the retirement of the person, until the end of payment. The above two methods can only choose one of the two, and can not be changed after the selection, and at the same time, the balance of the personal account of the occupational annuity has the right to inherit.

Calculation method of occupational annuity: the standard of occupational annuity payment is 8% for the unit, 4% for the individual, and 4% for the employee every month. At the time of retirement, the number of months paid by the retiree is calculated by dividing it by the number of months to obtain the occupational pension that can be received each month.

Legal basis: Article 9 of the Measures for Occupational Pensions of Government Institutions and Institutions: Those who meet one of the following conditions can receive occupational pensions:

1) After meeting the retirement conditions stipulated by the state and going through the retirement procedures in accordance with the law, the staff member shall choose the method of receiving occupational pension benefits on a monthly basis. It can be used to purchase commercial endowment insurance products at one time, receive benefits according to the insurance contract and enjoy the corresponding inheritance rights; You can choose to calculate and pay the monthly treatment standard of occupational annuity according to the number of months corresponding to your retirement, until the end of payment, and the balance of the personal account of occupational pension has the right to inheritance. I will not change it after I select any of the collection methods.

2) The funds in the personal account of the occupational pension of the person who have settled abroad (outside the territory) can be paid to the person in a lump sum according to his or her request.

3) If a staff member dies during his or her employment, the balance of his or her personal occupational pension account may be inherited.

If one of the above-mentioned conditions for receiving occupational pension is not met, the funds shall not be withdrawn from the personal account in advance.