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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.
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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.
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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 withdrawal method:
1. When the statutory retirement age is reached, employees can receive it at one time or in installments.
2. When employees settle abroad, they can receive it at one time;
3. Employees who lose their ability to work due to illness (disability) can apply for one-time or installment payment;
4. In the event of death before retirement, the heirs can apply for a lump sum payment.
Legal basis: Article 12 of the Trial Measures for Enterprise Annuity Article 12 When an employee reaches the retirement age stipulated by the state, he or she can receive the enterprise annuity from his or her enterprise annuity personal account at one time 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 of the person who have settled abroad can be paid to the person in a lump sum according to the request of the person.
Article 13 of the Trial Measures for Enterprise Annuity When an employee changes his or her work unit, the funds in the personal account of the enterprise annuity may be transferred with him. If an employee goes on to higher education, joins the army, is unemployed, or a new employer does not implement the enterprise annuity system, the enterprise annuity account may continue to be managed by the original management agency.
Article 14 of the Trial Measures for Enterprise Annuity After the death of an employee or retiree, the balance of his or her personal account for enterprise annuity shall be received in a lump sum by the beneficiary or legal heir designated by him.
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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.
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Summary. According to different situations, the withdrawal of enterprise annuity is divided into the following ways:1
When an employee reaches the statutory retirement age, he or she can withdraw the funds in his or her enterprise annuity account on a regular basis or in a lump sum. 2.When employees go abroad to settle down, they can withdraw the enterprise annuity in their personal accounts at one time.
3.In the event of the death of an employee, the enterprise annuity in the personal account can be withdrawn in a lump sum by the legal heirs or designated beneficiaries. 4.
In the case that the employee has no labor force, it can be withdrawn from the individual enterprise annuity account on a monthly, installment or one-time basis. Under normal circumstances, employees who have not yet reached the age of retirement cannot withdraw the enterprise annuity. If you want to withdraw it, you can only withdraw the enterprise annuity in the above cases.
The withdrawal of enterprise annuity is divided into the following ways according to different circumstances:1When an employee reaches the statutory retirement age, he or she can withdraw the funds in his or her enterprise annuity account on a regular basis or in a lump sum.
2.When employees go abroad to settle down, they can withdraw the enterprise annuity in their personal accounts at one time. 3.
In the event of the death of an employee, the enterprise annuity in the personal account can be withdrawn in a lump sum by the legal heirs or designated beneficiaries. 4.In the case that the employee does not have to stop the labor, it can be withdrawn from the individual enterprise annuity account on a monthly, installment or one-time basis.
Under normal circumstances, employees who have not yet reached the age of retirement cannot withdraw the enterprise annuity. If you want to withdraw it, you can only withdraw the enterprise annuity in the above cases.
Enterprise Nianshan or Bridge Fund refers to the voluntary establishment of a supplementary endowment insurance system on the basis of participating in the basic endowment insurance in accordance with the law by the enterprise and its employees, which is composed of three parts: basic endowment insurance, enterprise annuity and personal savings endowment insurance. The annual group pension is an important supplement to the national basic pension insurance, and it is also the "second pillar" of China's improvement of the urban workers' pension insurance system.
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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! <>
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Summary. Dear, the method of withdrawing enterprise annuity is: 1. First search for China Merchants Bank on the computer and enter the bank's official website; 2. After entering the homepage of the official website, select "Company Business - Pension Finance" in the upper left corner of the homepage and click to enter; 3. After entering the relevant page, select "Personal Annuity Inquiry" in ** inquiry and business handling; 4. Click to enter the login interface, enter personal identity and other information to log in; 5. The next step of login is identity verification, and authentication is carried out according to the prompts of the system; 6. After the authentication is completed, you can view the relevant information in the enterprise annuity personal account, and then click on the balance query and withdrawal in the left menu bar.
Dear, the method of withdrawing the annuity in the enterprise is: 1. First search for China Merchants Bank on the computer and enter the bank's official website; 2. After entering the homepage of the official website, select "Company Business - Pension Finance" in the upper left corner of the homepage and click to enter; 3. After entering the relevant page, select "Personal Annuity Inquiry" in the inquiry and business handling; 4. Click to enter the login interface, enter personal identity and other information to log in; 5. The next step of login is identity verification, and authentication is carried out according to the prompts of the system; 6. After the authentication is completed, you can view the relevant information in the enterprise annuity personal account, and then click on the balance query and withdrawal in the left menu bar.
Expansion: Enterprise annuity refers to the supplementary pension insurance system independently established by enterprises and their employees on the basis of participating in basic pension insurance in accordance with the law. The state encourages enterprises to establish enterprise annuities.
Enterprise annuity refers to the supplementary pension system established by enterprises under the guidance of national policies and according to their own economic strength and economic conditions in addition to the mandatory public pension, providing a certain degree of retirement income guarantee for the employees of the enterprise. The enterprise annuity is an important supplement to the national basic pension insurance, and is the "second pillar" of the urban employee pension insurance system (composed of three parts: basic pension insurance, enterprise annuity and individual savings pension insurance) that is being improved in China. China's urban workers' pension insurance system, which is being improved, is composed of three parts: basic pension insurance, enterprise annuity and personal savings pension insurance.
In countries that implement modern social insurance systems, enterprise annuities have become a more commonly practiced enterprise supplementary pension plan, also known as"Corporate Pension Schemes"or"Occupational pension schemes"and become an important part of the pension insurance system of the host country.
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Summary. Enterprise annuities.
It 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 individual savings endowment insurance) that is being improved in China.
How to withdraw enterprise annuity
Dear, hello, I am glad to answer for you: the following methods are divided into Tongxiang: 1. When reaching the statutory retirement age, employees can receive it once or in installments 2. When employees settle abroad, they can receive it at one time 3.
Enterprise annuity is an important supplement to the country's basic old-age insurance, and the omission is the "second pillar" of China's urban employee pension insurance system (composed of three parts: basic pension insurance, enterprise annuity and individual savings pension insurance).
Enterprise annuity is also known as enterprise supplementary endowment insurance, and the main functions of enterprise annuity are as follows: 1. It can be used as a distribution of income from delayed payment of employees' wages; 2. It can mobilize the enthusiasm of employees to the greatest extent and create greater profits; 3. The retirement life of employees can be guaranteed under the condition that the basic pension is declining year by year; 4. You can use the country's tax policy to save taxes for enterprises and individuals. >>>More
First, it is conducive to the long-term development of the enterprise. >>>More
This problem is actually based on the actual situation, our company is also pushing the enterprise annuity, but for me personally I think the disadvantages outweigh the advantages, for example: at present, someone's salary is 5000 yuan per month, for individuals can avoid personal tax of about 21 yuan, specifically can be as follows, for the company can avoid tax 5000 * 5% = 250 yuan, but the company to bear the enterprise payment is 280 yuan, which is equivalent to saying that the company has to pay 30 yuan for this, but why does the company do this, first, In order to retain talents, the company has to pay at least 8 years for the company to get the 280 yuan paid by the company; Second, if you can't reach 8 years in the job, then the company pays 280 of the money you can get less and less, but the company's tax avoidance is not limited by time, that is to say, selfishly speaking, you use your own money to help the company immediately carry out tax avoidance operations, and your own money ** goes in, and you can't take out the money you pay and the money paid by the company until you die, settle abroad, or lose your ability to work or retire, there are too many unknowns at this stage, in addition, for young people, At present, the individual pays 170, although the company pays 280, but when it comes to retirement (the other three situations are basically not considered), the 280 yuan is estimated to have depreciated to the point that it is not good, imagine that the degree and speed of the current money depreciation must be faster than the income brought by the enterprise annuity in this department, so I don't think it is necessary to buy. In other words, there is a theory that the current retired workers are using the pension insurance money that young people are currently working on. >>>More
First, it is conducive to the long-term development of the enterprise. >>>More
Under normal circumstances, the proportion of unit contribution is 8%, the proportion of individual contribution is 4%, the total proportion of payment is 12%, and the enterprise annuity and housing provident fund only have personal accounts, so the enterprise annuity paid by units and individuals is all into the individual enterprise annuity account of employees and belongs to the depositor. >>>More