Legal analysis: How much enterprise annuity you can receive varies from person to person. Enterprise annuity = (individual contribution+enterprise contribution) × payment period. Therefore, the enterprise annuity is also overpaid. The more employees pay before retirement, the more enterprise annuities they can receive after retirement. Withdrawal process of enterprise annuity retirement: 1. When retiring, apply to the personnel department of the enterprise that originally paid the annuity, fill in the withdrawal application form, and provide a copy of the ID card and bank card. 2. The enterprise shall return the annuity application form to the relevant departments. 3. Bank transfer to bank account. 4, from 2 to 3, 2 weeks at the earliest, slower 1 month. After one-time retirement, the enterprise annuity needs to be returned. When the unit retires, it will also return the enterprise annuity. If you want to receive the enterprise annuity in one lump sum, you need to apply to the unit and then report to the payment institution. Those who meet the conditions can receive it at one time. The amount returned is the superposition of the three conditions mentioned above.

Legal basis: Trial Measures for Enterprise Annuities

Article 12 When employees reach the retirement age stipulated by the state, they can receive enterprise annuities from their personal accounts at one time or on a regular basis. Employees who have not reached the retirement age stipulated by the state may not withdraw funds from their personal accounts in advance. The funds in the personal account of enterprise annuity for overseas residents can be paid to me in one lump sum according to my requirements.

Thirteenth employees change their work units, the enterprise annuity personal account funds can be transferred with them. If an employee does not implement the enterprise annuity system during the period of entering a higher school, joining the army or being unemployed, the enterprise annuity personal account can be managed by the original management institution.

Article 14 After the death of an employee or retiree, the balance of his personal account of enterprise annuity shall be collected in one lump sum by his designated beneficiary or legal heir.