How much is the enterprise annuity and how much is the enterprise annuity in general

Enterprise annuity refers to the supplementary endowment insurance system voluntarily established by enterprises and their employees on the basis of participating in basic endowment insurance in accordance with the law.

The annual contribution of the enterprise shall not exceed 8% of the total salary of the employees of the enterprise in the previous year. The total contribution of enterprises and individual employees shall not exceed 12% of the total wages of employees in the previous year. The specific required expenses shall be determined through consultation between the enterprise and the employees.

When an employee reaches the retirement age stipulated by the state, he or she can receive the enterprise annuity from his or her personal account on a monthly basis or in installments until the funds in the personal account are fully paid; You can also use the funds in your personal account of enterprise annuity for a one-time purchase of commercial pension insurance products, receive benefits according to the insurance contract and enjoy the corresponding inheritance rights. The funds in the personal account of the enterprise annuity of the person who have settled abroad (outside the territory) can be paid to the person in a lump sum according to the person's request. After the death of an employee or retiree, the balance of the personal account of the enterprise annuity can be inherited.

When an employee changes his or her employer, and the new employer has established an enterprise annuity or occupational pension plan, the original enterprise annuity personal account shall be transferred to the enterprise annuity or occupational pension plan of the new employer.

The enterprise annuity is that the annual payment of the enterprise shall not exceed 8% of the total wages of the employees of the enterprise, and the total contribution of the enterprise and the individual employees shall not exceed 12% of the total wages of the employees of the enterprise.

1.If the employee becomes disabled or incapacitated due to an accident, the enterprise annuity will be paid for 20 years, starting from the day the employee's injury and illness are determined;

2.When the employee reaches the age of 60, the pension payment time will be reduced by one year for each additional year;

3.When the employee is older than 75 years old, the enterprise annuity will be paid for five years. The above is the general payment time of enterprise annuity.

The role of enterprise annuity:

Some people believe that a corporate annuity is a benefit for a business. In fact, enterprise annuities are fundamentally different from corporate benefits. Welfare is the current consumption, the enterprise annuity is the future consumption, and the consumption right of the enterprise annuity occurs after retirement; Welfare reflects fairness, and enterprise annuity reflects efficiency; The welfare projects of enterprises are generally directly related to the material conditions such as living needs, and have nothing to do with the status and level of people. Benefits belong to the category of redistribution, and enterprise annuities still belong to the category of one-time distribution.

Therefore, enterprise annuity is a better welfare plan, which provides an effective management tool for enterprises to solve the problems in welfare while improving employee welfare, and truly plays a role in enhancing the cohesion and attractiveness of enterprises.

How much can I get for retirement?

Enterprise annuity calculation formula: enterprise annuity = (individual payment + enterprise payment) x payment period.

For example, how much can a corporate annuity receive after retirement.

Mr. Chen's monthly annuity before retirement is a total of 5,000 yuan for a whole year and an enterprise annuity for 20 years, assuming a salary growth rate of 5% and a return on investment of 4%, the account is expected to accumulate more than 200,000 yuan. If you receive it monthly for a period of 20 years, then you can get about 1,300 yuan per month after retirement in urban and rural areas.

Legal basis: Measures for Enterprise Annuities

Article 15 The annual contribution of an enterprise shall not exceed 8% of the total wages of its employees. The total contribution of enterprises and individual employees shall not exceed 12% of the total wages of employees of the enterprise. The specific required expenses shall be determined through negotiation between the enterprise and the employees.

The individual contributions of employees shall be withheld and paid by the enterprise from the individual wages of the employees.

Article 24 Those who meet one of the following conditions can receive enterprise annuity:

1) When an employee reaches the retirement age stipulated by the state or completely loses the ability to work, he or she can receive the enterprise annuity from his or her enterprise annuity personal account on a monthly, installment or one-time basis, or he or she can purchase commercial endowment insurance products in whole or in part with the funds in his enterprise annuity personal account, receive benefits in accordance with the insurance contract and enjoy the corresponding inheritance rights;

2) The funds in the personal account of the enterprise annuity 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) After the death of an employee or retiree, the balance of his or her enterprise annuity personal account may be inherited.

Summary. The enterprise annuity is equal to the unit contribution plus the individual contribution. The proportion of payment is generally 8% of the total salary of the employer, and 4% of the salary paid by the employer is withheld by the employer.

At the same time, in order to ensure occupational pension income, it may face a contraction caused by inflation for a certain period of time. The state may, in accordance with the economic and social conditions, adjust the proportion of occupational pensions paid by units and individuals in a timely manner. The part of the unit contribution is paid by the treasury, and the interest is calculated at the national unified accounting rate every year.

The enterprise annuity is equal to the unit contribution plus the individual contribution. The proportion of rotational payment is generally 8% of the total salary of the unit, and 4% of the salary paid by the employer is withheld by the unit. At the same time, in order to ensure the income of occupational pensions, it may face a contraction caused by inflation during a period of starvation.

The state may, in accordance with the economic and social situation, adjust the development of the proportion of units and individuals paying occupational pensions in a timely manner. The part of the unit contribution is paid by the treasury, and the interest is calculated at the national unified accounting rate every year.

According to the relevant provisions of the Enterprise Annuity Measures issued by the Ministry of Human Resources and Social Security and the Ministry of Finance in 2017, enterprise annuity = (individual payment + enterprise payment) x payment period. If the annuity is 400 yuan, the total amount of 4,800 yuan a year, assuming that the payment period is 20 years, the account Zheng Chong is expected to accumulate more than 200,000 yuan. If you receive it on a monthly basis for a period of 20 years, you can get about 1,300 yuan per month after retirement.

Article 14 of the Measures for Enterprise Annuity Enterprise annuity** consists of the following items: (1) enterprise payment; (2) Individual contributions by employees; (3) Income from investment and operation of enterprise annuity. Article 15 of the Measures for Enterprise Annuity shall not exceed 8% of the total wages of its employees every year.

The total contribution of the enterprise and the individual employee shall not exceed 12% of the total salary of the employee. The specific cost required shall be determined through consultation between the enterprise and the employees. The individual contributions of employees shall be withheld and paid by the enterprise from the individual wages of the employees.

Summary. The exact amount of enterprise annuity that can be reached after retirement varies from person to person. After all, everyone's payment period may be different, and the amount of annual payment may also be different, so the enterprise annuity that everyone can receive after retirement is also different.

Enterprise annuity = (individual payment + enterprise payment) payment period. Generally, the enterprise bears 8%, and the individual employee bears 4%. For example, if you start participating in the enterprise annuity at the age of 30, the retirement age is 60 years old, and you have been paying for 30 years, and the salary has been 6,000 yuan, then when you retire, the enterprise annuity will have:

6000 4%)+6000 8%)]30 12)=259,200 yuan.

The exact amount of enterprise annuity that can be reached after retirement varies from person to person. After all, everyone's payment period may be different, and the amount of annual payment may also be different, so the enterprise annuity that everyone can receive after retirement is also different. Enterprise annual chain call = (individual payment + enterprise payment) payment period.

In a chaotic manner, the enterprise bears 8% of the burden and the individual employee bears 4%. For example, if you start to participate in the enterprise annuity at the age of 30, the retirement age is 60 years old, and you have been paying for 30 years, and the salary has been 6,000 yuan, then when you retire, the enterprise annuity will have: [(6000 4%) + 6000 8%)] 30 12) = 259200 yuan.

It can be said that the enterprise annuity is the same as the basic pension insurance, and it is overpaid to envy the number. The more you pay before retirement, the more you can receive the enterprise annuity after retirement.

Under what circumstances can the enterprise annuity be received 1. General situation: Under normal circumstances, the insured must reach the statutory retirement age of the enterprise annuity to receive it. China's statutory retirement age is 60 years old for men and 55 years old for women.

2. Special circumstances: There are many special cases of enterprise age, for example, if the insured person has not reached the statutory retirement age, he dies unexpectedly or loses his ability to work, then he can submit relevant information to go through the collection procedures; For example, if the insured person settles abroad or immigrates, he can apply for a one-time receipt of all the enterprise annuities in the account.

Legal analysis: This first depends on whether the enterprise has an enterprise annuity. The establishment of enterprise annuity is non-compulsory in China, and the establishment of the enterprise is determined by the enterprise.

Not all state-owned enterprises have established an enterprise annuity system. Therefore, the first thing to see is whether the company you belong to has an annuity. Secondly, it is necessary to see whether you meet the conditions for participating in the enterprise annuity plan of the unit.

For example, a company I worked for before stipulated that new employees could only participate in the enterprise annuity plan after becoming regular. So it's up to you to see if you're eligible. This can be confirmed by the personnel department of the unit.

Legal basis: Labor Law of the People's Republic of China

Article 74 The social insurance agencies shall collect and collect, manage and operate social insurance in accordance with the provisions of the law, and shall be responsible for maintaining and increasing the value of social insurance. In accordance with the provisions of the law, the social insurance supervision agency shall supervise the revenue and expenditure, management and operation of social insurance. The establishment and functions of social insurance agencies and social insurance supervision bodies shall be prescribed by law.

No organization or individual may misappropriate social insurance**.

Article 75 The State encourages employers to establish supplementary insurance for their workers in accordance with the actual conditions of their employers. The State encourages individual workers to carry out savings insurance.

Article 76: The State develops social welfare undertakings and builds public welfare facilities to provide conditions for rest, recuperation, and recuperation for laborers. Employers should create conditions to improve collective welfare and improve the welfare benefits of employees.

<> good friend, the enterprise annuity is generally about 500,000 yuan. In China, the payment standard of enterprise annuity is usually based on the company's own financial situation and the needs of employees. Generally speaking, the amount of contributions to an enterprise annuity is determined in the enterprise annuity plan.

Enterprises can formulate the specific details of the enterprise annuity plan, such as operation management rules, participation qualifications, payment requirements and benefits. In addition, ** and local governments have also provided policies and preferential tax policies to encourage enterprises to carry out enterprise annuity plans. Enterprises can formulate their own enterprise annuity plans according to these policies and the support of ** Oak Clearing, and decide the amount and standard of contributions.