How to withdraw the enterprise annuity and how to withdraw the enterprise annuity

Enterprise annuity withdrawal method:

1.When the employee reaches the statutory retirement age, he or she can receive it in one lump sum or in installments;

2.When employees go abroad to settle down, they can receive a one-time payment;

3.If an employee loses the ability to work due to illness (disability), he or she can apply for a lump sum or installment payment;

4.In the event of death before retirement, the heirs can apply for a lump sum payment.

According to the relevant regulations of the state on enterprise annuity, employees can receive enterprise annuity once or regularly from their personal account for enterprise annuity only when they reach the retirement age stipulated by the state. Employees who have not reached the retirement age prescribed by the state shall not withdraw funds from their personal accounts in advance.

The funds in the personal account of the enterprise annuity of the person who have settled abroad can be paid to the person in a lump sum according to the request of the person. When an employee changes his or her employer, the funds in the personal account of the enterprise annuity can be transferred with him. If an employee goes on to higher education, joins the army, is unemployed, or the new employment unit does not implement the enterprise annuity system, his or her personal account for enterprise annuity may continue to be managed by the original management agency.

After the death of an employee or retiree, the balance of the individual account of the enterprise annuity shall be received in a lump sum by the beneficiary or legal heir designated by the employee.

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, which is composed of three parts: basic endowment insurance, enterprise annuity and personal savings endowment insurance.

Enterprise annuity is an important supplement to the national basic pension insurance, and it is also the "second pillar" of China's improvement of the urban employee pension insurance system.

The advantages of paying an annuity are:

1) Simple and flexible, the employer does not bear the obligation to provide a fixed amount of pension in the future, only needs to stipulate a certain contribution rate according to the pre-calculated pension amount, and does not bear actuarial responsibility, which can be undertaken by the life insurance company;

2) the pension is credited to the personal account, which is very attractive to employees, and once the participant terminates the pension plan before retirement, he or she can have a wide range of options for the disposal of his or her account balance;

3) The enterprise annuity of the plan does not have to participate in the reinsurance of the termination of the pension plan, and if the employee encounters significant financial difficulties, the pension plan can be terminated at any time without any liability.

Enterprise annuity withdrawal method. The withdrawal methods of enterprise annuity are:

1. When the statutory retirement age is reached, employees can receive it at one time or in installments.

2. Employees who go abroad to settle down can receive it at one time.

3. When an employee dies before retirement, the heirs can choose to receive it in a lump sum.

4. Employees who lose their ability to work due to illness (disability) can apply for one-time or installment payment.

5. Receive it on a monthly basis. After retirement, employees can choose to receive a monthly pension according to their own needs. It is based on the payment time and rolling total amount of the enterprise annuity, and the monthly payment time and amount are converted.

6. The part paid by the enterprise can buy commercial insurance, that is, the occupational annuity is converted into endowment insurance, and when retired, employees can choose to invest the enterprise annuity in a lump sum pension.

The withdrawal method of enterprise annuity is as follows:

1. Those who have reached the statutory retirement age can directly apply to the unit for a one-time or installment withdrawal of annuity;

2. For employees who decide to settle abroad, they can choose to apply to the unit to receive all the annuities at one time;

3. For employees who have lost their labor force due to illness, they can apply to the unit to receive the enterprise annuity in a lump sum or in installments;

4. For employees who die unexpectedly before retirement, their heirs can apply for a one-time receipt of all the employees' annuities.

Enterprise annuity is a kind of supplementary pension system, which refers to the supplementary pension insurance system established independently by enterprises and their employees on the basis of participating in basic pension insurance in accordance with the law.

Conditions for employees to participate in the enterprise annuity plan:

1) Conclude a labor contract with the unit and the probationary period expires;

2) Participate in the basic pension insurance for employees of enterprises in accordance with the law and fulfill the obligation to pay.

Employers and their employees who have participated in the basic pension insurance for employees of enterprises can establish an enterprise annuity system.

Hello, the only way to withdraw the enterprise annuity is as follows: 1. After reaching the statutory retirement age, employees can receive the enterprise annuity from their personal accounts, which can be received at one time, or in multiple installments or on a monthly basis. 2. If the employee wants to go abroad to settle the sedan car, he can receive it at one time according to his own requirements.

3. Employees who are completely incapacitated can apply for one-time or installment payment. 4. After the death of the employee, the balance of the personal account of the enterprise annuity can be inherited. Enterprise annuity is an important supplement to the national basic endowment insurance, and is the "second pillar" of the urban employee endowment insurance system (composed of three parts: basic endowment insurance, enterprise annuity and personal savings endowment insurance) that is being improved in China.

Summary. The method of withdrawing the enterprise annuity is as follows: 1. When the employee reaches the retirement age stipulated by the state or completely loses the ability to work, he can receive the enterprise annuity from his enterprise annuity personal account on a monthly, installment or one-time basis, or he can purchase commercial pension insurance products in whole or in part from his enterprise annuity personal account, and receive treatment according to 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 request; 3. After the death of an employee or retiree, the balance of the personal account of the enterprise annuity can be inherited; 4. If one of the above-mentioned conditions for receiving enterprise annuity is not met, funds shall not be withdrawn from the personal account of enterprise annuity in advance.

Hello The method of withdrawing the enterprise annuity is as follows: 1. When the employee reaches the retirement age stipulated by the state or completely loses the ability to work, he can receive the enterprise annuity from his enterprise annuity personal account on a monthly, installment or one-time basis, or he can purchase all or part of the funds in his enterprise annuity personal account for commercial pension insurance products, receive benefits according to 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 request; 3. After the death of an employee or retiree, the balance of his or her enterprise annuity personal account can be inherited; 4. If one of the above-mentioned conditions for receiving the enterprise annuity is not met, the funds shall not be withdrawn from the personal account of the enterprise annuity in advance.

Legal basis: Article 12 of the "Trial Measures for Enterprise Annuity" When an employee reaches the retirement age stipulated by the state, he or she can receive an enterprise annuity from his or her own enterprise annuity personal account or on a regular basis. Employees who have not reached the retirement age prescribed by the state shall not withdraw funds from their personal accounts in advance.

The funds in the personal account of the enterprise annuity for those who have settled in Yanzhi can be paid to the person in a lump sum according to the person's request.

Hello dear, glad to answer for you! The withdrawal methods of enterprise annuity are as follows:1

For those who have reached the statutory retirement age, they can directly apply to the unit for a one-time or mu lead installment withdrawal; 2.For employees who decide to settle abroad, they can choose to apply to the unit to receive the full annuity at one time; 3.For employees who have lost their labor force due to illness, they can apply to the unit to receive an enterprise annuity in a lump sum or in installments; 4.

For employees who die unexpectedly before retirement, their heirs can apply for a lump sum to receive all the enterprise annuities of the employees. The above is my answer to the answer, I hope you can be satisfied, I wish you a happy life! <>