养老金与退休金（Pension and pension）

养老金与退休金（Pension and pension） 养老金与退休金(Pension and pension) The difference between pension and pension 2011-12-28 22:30:56 sunflower insurance network [Abstract] pension funds are generally charged by the state or local finance, and pensions are charged by social insurance funds. The retirement benefits of the social pension system (such as civil servants, public institution personnel, institutions without enterprise management units) with pension insurance as a whole are referred to as pensions or retirement fees; Retirees not did not participate in the pension insurance (such as the civil servants, business unit personnel, excluding the management unit) the retirement living expenses referred to as pension or retirement; retirement benefits for retirees to participate in pension insurance social pooling pension are called. There are differences between the two, the biggest difference is that the funding channels are different, such as pensions are generally state finance or local finance charged, and pension is charged by social insurance funds. Retirees and pension insurance (such as the civil servants, business unit personnel, excluding the management unit) the retirement living expenses referred to as pension or retirement; retirement benefits for retirees to participate in pension insurance social pooling pension are called. There are differences between the two, the biggest difference is that the funding channels are different, such as pensions are generally state finance or local finance charged, and pension is charged by social insurance funds. 1. first of all, there are work units, units and individuals have the responsibility and obligation to participate in social insurance, national mandatory provisions, participate in social insurance is not in accordance with the provisions of units punishment. Salvation social insurance Interim Regulations on collection and payment that is very clear. Each year the best units and representations by the unit for social insurance. 2. of workers social insurance now is often said that the "five social insurance and one housing fund", the specific risk that is five: endowment insurance, medical insurance, unemployment insurance, maternity insurance and industrial injury insurance; a payment that is: housing provident fund. "Housing provident fund"; the specific units and individuals is the proportion of each bear 50% of the average wage is calculated according to the individual of the year. The state is: housing provident fund of not less than 10% of the wages and benefits of good units can be higher, workers and units each bear 50%. on workers very affordable ah, namely: one two, for their own future housing convenient! "Five", according to the wages of workers, units and individuals the ratio is generally: endowment insurance unit 20%, individual medical insurance units bear bear 8%; 6%, 2% individuals; unemployment insurance units bear 2%, 1%; maternity insurance 1% borne by the unit; work-related injury insurance 0.8% is borne by the unit, individual workers do not bear the fertility and injury insurance. 3. if the individual to participate in social insurance, in accordance with the freedom of occupation who participate in the social insurance measures should be implemented (or the personal archives to the personnel agency, through they can handle the social insurance). The freedom of occupation, can only participate in old-age insurance and medical insurance. The endowment insurance and medical insurance to pay, there are specific provisions: endowment insurance: the ID card of the 2 and 1 inch photos, to the local social security center business window handle. Medical insurance: after the completion of the pension insurance procedures, with the above materials and good pension insurance manual, to the local medical insurance center business window. In accordance with the provisions of the normal fee can!! free occupation, base pay urban individual industrial and commercial households and flexible employment personnel to participate in the basic old-age insurance for the local workers average annual wage payment proportion is 20%, of which 8% credited to individual accounts, retired worker according to enterprise basic pension defined the basic pension plan hair. Medical insurance, freedom of occupation, self-employed insured, can choose only fund, do not build personal accounts, basic medical insurance premiums paid by the local average wage last year of 4.2% months; you can also choose to pay the local average wage last year 8% months, establish individual account! 4. years of payment of specific pension insurance, you need to clearly document provisions. Now know the pension policy, will be roughly clear of the future treatment Look at the new endowment insurance policy will be more clearly: the decision of the State Council in December 3, 2005 issued by the State Council on improving the basic old-age insurance system for enterprise employees (Guo Fa 2005 No. 38) documents: the various types of urban enterprise employees, individual industrial and commercial households and flexible employment personnel should participate in the basic old-age insurance for enterprise employees. Base pay urban individual industrial and commercial households and flexible employment personnel to participate in the basic old-age insurance for the local workers average annual wage payment proportion is 20%, of which 8% credited to individual accounts, retired worker according to enterprise basic pension defined the basic pension plan hair. Reform the basic pension plan. For connecting with personal accounts, from January 1, 2006 onwards, the unified scale of individual accounts pay my wages 11% adjusted to 8%, all formed by the individual contribution, the units pay no longer assigned to individual accounts. At the same time, we should further improve the incentive and restraint mechanism to encourage the payment of employee insurance premiums, and adjust the basic pension plan. "The basic old-age insurance system for enterprise employees of the State Council on the establishment of a unified decision" (Guo Fa 1997 No. 26) to participate in the work, after the implementation of the payment period (including the deemed payment period, the same below) accumulated over 15 years of personnel after retirement to monthly basic pension. The basic pension consists of basic pension and individual account pension. The monthly standard of basic pension for retirees is based on the average monthly wage of the local employees and the average value of the average monthly wage paid by the author, and the payment is issued to 1% every 1 years. The monthly standard of the individual account pension is divided by the amount of individual account storage, the number of months allocated, and the number of months according to the average life expectancy of the urban population, the retirement age, interest and other factors. The 1997 file No. 26 to work before the implementation of the implementation of this decision after retirement and the payment period accumulated over 15 years, based on the issue of the basic pension and individual pension accounts, and a transitional pension. All provinces, autonomous regions and municipalities directly under the central government according to the standard of treatment, reasonable convergence of old and new policies on the principle of a smooth transition, on the basis of careful calculation, the specific measures for the transition, and report to the Ministry of labor and social security, the Ministry of Finance for the record. After the implementation of this decision, the person who has reached the retirement age but has accumulated less than 15 years of the payment period will not be given the basic pension; the amount of the individual account storage will be paid to me once and terminate the basic pension insurance relationship. This is the latest regulation of pension treatment 5. understanding of the payment of endowment insurance for 15 years: "Pension insurance payment for 15 years" is one of the necessary conditions for retirement and enjoy the monthly pension treatment (payment of less than 15 years will be a one-time settlement). Directly linked to the level of pension payment period and payment amount, payment time is longer, the payment amount is more, the pension level is higher, the main difference is that the individual account pension part, payment interruption time regardless of the payment period for. For example: suppose the base pay compared to 1000 yuan per month (excluding the base pay adjustment and interest and other factors), calculated the 30 year payment period of personal account pension monthly: [1000 x 11% x 12 x 30 (month) (120=330 yuan / year)]. If the payment period is 15 years, the calculated individual account pension is 165 yuan per month. The difference between the two is half, if considering interest and other factors, the difference is greater. 6., the time to enjoy the pension treatment is in accordance with the provisions, in line with the retirement conditions, after retirement formalities, you can enjoy the pension insurance treatment, that is, the previously said pension