Urban workers have different supplementary old-age insurance systems according to their identities. The occupational annuity system of government agencies and institutions is mandatory; Enterprise is the enterprise annuity system, which needs to be established through consultation between employees and enterprises. Therefore, all employees of government agencies and institutions have paid occupational annuities, while only a few employees of enterprises have paid occupational annuities (by the end of 2020, there were/kloc-0.05 million enterprises in China with 27/kloc-0.08 million employees, which is estimated that only about 654.38+00% employees have paid occupational annuities compared with nearly 300 million employees who participated in the old-age insurance).

After paying the occupational annuity (enterprise annuity), there are both pensions and annuities after retirement, and the pension is more secure. At present, retirees from government agencies and institutions have occupational annuities to receive (because payment is only made from 20 14 to 10, there will be fewer early retirees and more delayed retirees), and most retirees from enterprises have no enterprise annuities to receive.

Judging from the current situation, urban workers (including employees of government institutions and enterprises) have old-age insurance, and they all have old-age insurance benefits after retirement (that is, they can receive pensions); The endowment insurance system for urban workers is also divided into two insurance systems: endowment insurance for government institutions and basic endowment insurance for enterprise employees. At present, the payment methods and treatment calculation methods of these two insurance systems are basically the same. However, in terms of pension benefits after retirement, there are still differences between employees of government institutions and employees of enterprises among urban workers.

First, there is a difference in quantity.

Urban retirees include personnel from government agencies and institutions and enterprise retirees. According to the published data, some people have done some calculations. In 20 19, there were12,365,438+10,000 retirees from urban workers' pension insurance, including1910,000 retirees from government institutions and 65,438 retirees from enterprises. Retirees from government agencies and institutions only account for 15.5% of urban workers' retirees, and most urban workers are enterprise retirees. Compared with retirees, there are very few retirees, so the number of retirees is almost the number of retirees. Therefore, among urban retired workers, enterprise retired workers account for a large proportion, at least above 80%.

Second, there are differences in average pensions.

The monthly pension of retired workers in urban enterprises is relatively low. According to official figures, in 2020, the monthly per capita pension of enterprise employees will be about 2,900 yuan.

According to the data released by the human and social departments, by the end of 2020, the number of people participating in the basic old-age insurance for urban workers in China will be 4562 1 person, including retirees 1.2762 million; In the whole year, the total income of the basic old-age insurance fund for urban workers was 4,437.6 billion yuan, and the fund expenditure was 5 1, 30 1 billion yuan. According to these data, it can be roughly calculated that the monthly per capita pension of all urban retired workers is about 3350 yuan. In other words, the monthly per capita pension of all urban retired workers (including enterprise retirees and retirees from government agencies and institutions) is about 450 yuan higher than that of enterprise retired workers.

Although there is no data on the monthly per capita pension of retirees in government agencies and institutions, the calculated data is that the monthly per capita pension of retirees in government agencies and institutions has reached about 6,000 yuan, much higher than that of enterprise retirees.