the newly revised enterprise annuity measures came into effect on February 1st. What is an enterprise annuity? Who can attend? What are the benefits of participating? Who will pay the money? How to manage? When can I get it? A series of issues have attracted the attention of the people. Let's look at the authoritative interpretation.

what is an enterprise annuity? When it comes to enterprise annuity, many people are at a loss. The so-called enterprise annuity refers to the supplementary old-age insurance system independently established by enterprises and their employees through collective consultation on the basis of participating in basic old-age insurance. In short, the enterprise annuity is a supplementary pension insurance. If you have participated in both the basic old-age insurance and the enterprise annuity, you can receive two pensions after retirement. It should be noted that enterprise annuity is not a new thing, but an old system that has been implemented for more than ten years. The "Measures for Enterprise Annuity" issued this time is a revision and improvement of the "Trial Measures for Enterprise Annuity" in 24.

who can participate? According to data from the Ministry of Human Resources and Social Security, by the end of 216, 76, enterprises had established enterprise annuities nationwide, with 23.25 million employees, and the accumulated amount of enterprise annuity funds was 1.1 trillion yuan. Compared with endowment insurance, the penetration rate of enterprise annuity is not high. Zhang Yinghua, executive researcher of the World Social Security Research Center of China Academy of Social Sciences, told reporters that this is mainly because enterprise annuities are voluntary, and many enterprises, especially small and medium-sized enterprises, have no motivation and ability to participate. The new regulations issued this time clearly state that the state encourages enterprises to establish enterprise annuities. Nie Mingjuan, director of the Pension Insurance Department of the Ministry of Human Resources and Social Security, said that the Measures for Enterprise Annuities weakened the voluntary nature of enterprise annuities and encouraged qualified enterprises to establish enterprise annuities. The "Enterprise Annuity Measures" are not only applicable to all kinds of enterprises in cities and towns, but also other employers and their employees who participate in the basic old-age insurance for enterprise employees can establish enterprise annuities.

what are the benefits of participating? For employees, it is conducive to improving the income level of employees after retirement. Nie Mingjuan pointed out that if employees participate in the enterprise annuity and contribute to their personal account of enterprise annuity together with the enterprise, through long-term accumulation and investment operation, the effective appreciation of the funds in the personal account of enterprise annuity can be realized, which is conducive to receiving the basic pension after retirement, adding another income and improving the living standard. For enterprises, the Ministry of Human Resources and Social Security said that the establishment of enterprise annuity is conducive to improving the employee compensation system, showing the good culture of enterprises, enhancing the attraction of talents and stabilizing the workforce.

where does the money come from? Who will pay the enterprise annuity? According to the Measures for Enterprise Annuities, the expenses required for enterprise annuities shall be paid by both the enterprise and individual employees. The enterprise payment shall not exceed 8% of the total wages of the employees of the enterprise every year. The total contributions of enterprises and employees shall not exceed 12% of the total wages of employees of the enterprise. The specific expenses shall be determined by the enterprise and the employee through consultation. Individual contributions of employees shall be withheld and remitted by enterprises from individual wages of employees. Zhang Yinghua calculated an account for the reporter: Take a person's salary of 6, yuan as an example. If his company has established an enterprise annuity, the unit will pay 8% per month, which is 48 yuan, and the individual employee will pay 4% per month, which is 24 yuan, which adds up to 72 yuan; If the payment salary is 1 yuan, the total payment is 12 yuan. These contributions can be deducted from the taxable income of enterprises and individuals, which means they are tax-free. The Ministry of Human Resources and Social Security also stated that enterprise annuities can enjoy national tax preferential policies. For the part of payment that meets the requirements of the state, the enterprise payment can be deducted before tax, and the individual payment can be deducted from the taxable income of the current period.

how to manage this money? According to the regulations, enterprise contributions should be included in the personal account of employee enterprise annuity according to the proportion and method determined in the enterprise annuity plan, and individual contributions of employees should be included in my personal account of enterprise annuity. According to the Ministry of Human Resources and Social Security, enterprise annuities are fully accumulated, and individual accounts for enterprise annuities are established for each employee who participates in enterprise annuities. The employee enterprise annuity personal account consists of an enterprise payment sub-account and an individual payment sub-account, which respectively record the part of enterprise payment allocated to individuals and their investment income, as well as their own payment and investment income. The enterprise annuity fund shall be invested and operated in accordance with the relevant provisions of the state, and the income from investment and operation shall be incorporated into the enterprise annuity fund. In addition, enterprises can have certain differences in the distribution of enterprise contributions according to the different positions, responsibilities and contributions of employees, which reflects the incentive effect of enterprise annuity; At the same time, we should also give consideration to fairness and control the gap, and the maximum amount of the current payment of the enterprise included in the employee enterprise annuity personal account shall not exceed 5 times of the average amount.

when can I get it? Under what circumstances can employees receive enterprise annuity treatment? According to the "Enterprise Annuity Measures", employees can receive enterprise annuities when they reach the retirement age stipulated by the state, completely lose their ability to work and settle abroad. After the death of an employee or retiree, the balance of his personal account of enterprise annuity can be inherited. Among them, it is a new content that employees can receive enterprise annuity when they completely lose their ability to work, which is conducive to further embodying the security role of enterprise annuity and appropriately improving the lives of employees who completely lose their ability to work.

what are the collection methods? Pensions are received on a monthly basis, so how to receive enterprise annuities? This revision has improved the way of receiving benefits, and there are four ways to choose from. According to the regulations, when employees reach the retirement age stipulated by the state or completely lose their ability to work, they can receive the enterprise annuity from their personal account on a monthly basis, in installments or at one time, or they can purchase all or part of the funds in their personal account for commercial old-age insurance products, receive treatment according to the insurance contract and enjoy the corresponding inheritance rights.

what if I change jobs? Someone asked, what should I do with the enterprise annuity if I change my job? In this regard, the "Enterprise Annuity Measures" stipulates that when employees change their work units, if the new employment unit has established enterprise annuities or occupational annuities, the original enterprise annuity personal account rights and interests shall be transferred to the new employment unit enterprise annuities or occupational annuities. If an employee's new employment unit has not established an enterprise annuity or occupational annuity, or during the period when the employee is studying, joining the army, or unemployed, the original enterprise annuity personal account can be temporarily managed by the original management institution, or temporarily managed by the reserved account set up by the collective plan initiated by the legal person trustee institution.

population aging is one of the major social problems facing our country in this century.

how to deal with the arrival of the aging era?

how to serve the 1.4 million old people in the ancient city well, and

how to let the old people enjoy their happy old age? Recently, Xi 'an issued the "Implementation Plan to Solve the Difficulties in Providing for the Aged, Improve the Service Quality and Promote the Innovation and Development of the Aged Care Service Industry", which supplemented the shortcomings with four outstanding efforts, highlighted the bright spots in six aspects, and once again injected new impetus into the healthy and sustainable development of the aged care service industry in our city.

Highlights in six aspects

1. Financial support and subsidy standards have improved the formulation of subsidy policies for combining medical care with nursing care, improved the subsidy policies for home-based care for the elderly in communities and rural happy homes, and increased the government's efforts to purchase pension services

2. Reform and innovation have renewed the enthusiasm of social forces to participate in the reform and innovation. In strengthening reform and innovation, the Civil Affairs Bureau has guided social forces to participate in pension services, and made great efforts to make the market play a decisive role in the allocation of pension services resources. Adhere to the simultaneous development of construction and management and give full play to the role of facilities. Innovate the development and operation mode of old-age care institutions. Innovation promotes the development of "smart pension" service.

3. The breakthrough in policy has increased the investment and financing, and arranged special financial funds for the construction of the old-age service system. There has been a new breakthrough in coordinating the development of urban and rural social pension service system. Enhance the attractiveness of old-age support policies.

4. The comprehensive combination of medical care and nursing highlights the strong support for medical and health resources to enter the old-age care institutions. If the applicant intends to hold a service institution combining medical care with nursing care, the civil affairs and health planning departments shall, after receiving the application, handle the examination and approval in a timely manner according to their respective responsibilities, and shall not make mutual examination and approval items a precondition for examination and approval, and shall not shirk each other. Innovate the combination of community medical care and nursing. Comprehensive establishment of community health electronic files for the elderly.

5. Adding charm to the service quality of old-age care institutions has improved the management of nursing homes and carried out special actions to standardize the service quality. Strengthen the licensing management of pension institutions. Continue to strengthen the construction of old-age care institutions.

6. Market cultivation will help the new development of the old-age care industry and fully liberalize the old-age care market. Focus on cultivating the development subject of the aged care service industry.

Four outstanding shortcomings: 1. Highlighting the basics and further improving the basic old-age service guarantee system; 2. Highlighting the planning guidance and making overall plans for the development of urban old-age service facilities; 3. Highlighting strengthening the foundation and vigorously developing community home-based old-age service; 4. Highlighting the shortcomings and effectively strengthening rural old-age service

Good news!

The state gives money to married people.

Singles, hurry up! Every gram of gold subsidizes 3 yuan, a private car subsidizes 5 yuan, and 5% of the total expenses can be reimbursed for taking wedding photos ... Yesterday, the news that newlyweds in Shanxi Province can receive marriage consumption subsidies for free within one year of marriage has aroused widespread concern. The marriage compensation fund is aimed at newcomers who have received marriage certificates within one year. The scope of subsidies includes wedding photography, wedding hotels, wedding celebrations, wedding room decoration, honeymoon trips, household appliances, etc., which basically covers all aspects of wedding consumption. The subsidy standard is gold 3 yuan/gram, car consumption is 5 yuan/car, and other consumption items such as wedding photography are subsidized by 5% of the average consumption. After the application for marriage compensation fund has passed the examination by submitting relevant materials on the corresponding platform, it can enjoy subsidies through offline purchase of services or commodities of designated units, or receive subsidies within 15 working days after uploading consumption vouchers. The person in charge of the Taiyuan Service Center of the Marriage Compensation Fund introduced that the fund can effectively curb unreasonable phenomena such as luxury consumption and sky-high prices by formulating reasonable subsidy rules, and lead rational consumption. As the first pilot city of marriage consumption subsidy in China, Taiyuan has formed a complete service model of public welfare support, industry supervision and enterprise participation. At present, more than 1, couples of newly-married young people in Taiyuan have applied for subsidies, enjoying benefits in wedding hotels and wedding photography. In addition to subsidizing newly-married people, the fund will also subsidize families with special difficulties, disabilities and double support. Where the civil affairs department has approved the double-support entitled groups and the community to help poor families, they can apply for public welfare services such as free basic consumption for marriage with the proof of the community and the civil affairs department.

give me a thumbs-up with envy!

I hope Shaanxi can enjoy this welfare as soon as possible!

but only if you have a marriage partner. ......