Legal analysis: 1. Pensions.

This is a basic welfare benefit provided by the state for all retired elderly people, and it is also the biggest pillar of life for most elderly people.

However, it should be noted that the premise is that you must be insured on time and in full before retirement, and you must complete the retirement procedures before reaching the legal retirement age before you can receive it. This also includes that the retiree must be alive, not missing, not serving a sentence, etc.

There are restrictions, so if these conditions are met, you can receive a pension after retirement.

2. Provident fund.

It refers to the housing provident fund, which is the "one fund" in what we often call "five insurances and one fund", but the provident fund is different from the "five insurances". The five insurances are social security that the state requires enterprises to pay compulsorily. The provident fund is not

No, some small and medium-sized enterprises may not pay due to the pressure of labor costs. Then they will not be able to receive it after retirement. Therefore, if you want to receive this money, the premise is that your company has this project and you have paid it for yourself. After retirement,

Only this benefit can be enjoyed.

3. Enterprise annuity.

The name of this amount of money is particularly deceptive. Since the word "enterprise" is added, it seems that as long as it belongs to the enterprise, employees can enjoy it.

In fact, this is not the case. Enterprise annuity is actually a supplementary pension system, which is not mandatory. Nowadays, basically only a small number of large enterprises pay employees. The enterprise pays 8% and the individual pays 4%. You can just retire.

Received.

4. Occupational annuity.

It is estimated that very few people have heard of this amount of money, because it itself is a benefit provided to staff of government agencies and institutions. The payment ratio is the same as the corporate annuity, which is 8% for the unit and 4% for the individual.

If you also want to enjoy these benefits after retirement, it is necessary to prepare for the public service exam early.

5. Heating subsidies.

Northern cities have cold winters and need to use heating, but heating costs are thousands a year, which puts a lot of pressure on everyone. Therefore, heating subsidies came into being during this process, but not everyone can enjoy it.

Yes, it depends on the region and the insurance payment method. Generally speaking, in northern cities, people who pay employee social security can basically receive this money every year. The specific amount still depends on the regulations of the province and city.

6. One-child allowance.

From a literal meaning, a family must have only one child to be eligible, and it also needs to hold an "Only Child Honor Certificate."

But one problem is that our country has now opened up two-child births. It is unknown whether those who have not yet retired can still enjoy this part of the subsidy after retirement if they are also a one-child family.

7. Money back from medical insurance account.

The medical insurance card does have the benefit of giving money back to the medical insurance card every month, which can be used to buy medicines in pharmacies and register for medical appointments. However, please note that this is only for employee medical insurance. The New Rural Cooperative Medical System has canceled personal accounts, and even employee medical insurance

, this money back benefit may also face cancellation issues.

8. Supplementary pension.

Social security regulations stipulate that you can only pay one pension, which means you can only receive one pension when you retire. However, Shanxi has implemented a supplementary pension system for urban and rural residents starting this year. In addition to paying the pension insurance for urban and rural residents, you can also pay an additional pension.

Supplementary pension insurance is also paid in different grades and enjoys government subsidies. It is equivalent to receiving two pensions and two government subsidies after retirement. However, it is currently only implemented in Shanxi Province. Therefore, other provinces and cities have to pay for urban and rural residents.

People with pension insurance can still only receive one pension.

9. Commercial pensions.

Commercial pension insurance has no quantity limit and is not affected by social security. Anyone can basically participate. However, not everyone can receive this part of the pension. In addition to participating in the insurance, you also need to choose the right insurance institution. Some small and medium-sized enterprises

Insurance companies were established at a time when their financial strength was poor. Many institutions were just trying to make quick money, and then ran away midway, or went bankrupt and lost the insurance premiums of insured persons. Therefore, if you want to get this money,

You still need to consider carefully when choosing an insurance company.

Legal basis: "Social Insurance Law of the People's Republic of China" Article 16 Individuals participating in basic pension insurance who have made cumulative contributions for fifteen years when reaching the statutory retirement age shall receive a basic pension on a monthly basis.

Individuals participating in basic pension insurance who have paid less than fifteen years of cumulative contributions when they reach the legal retirement age can pay for fifteen years and receive basic pensions on a monthly basis; they can also transfer to new rural social pension insurance or urban resident social pension insurance.

, enjoy corresponding pension insurance benefits in accordance with the regulations of the State Council.

"Housing Provident Fund Management Regulations" Article 24, Paragraph 1 If an employee has any of the following circumstances, he or she may withdraw the balance in the employee's housing provident fund account: (1) Purchasing, constructing, renovating, or overhauling self-occupied housing; (2)

) Retirement or retirement; (3) Completely losing the ability to work and terminating the labor relationship with the employer; (4) Leaving the country to settle; (5) Repaying the principal and interest of a house purchase loan; (6) The rent exceeding the prescribed proportion of family wage income

.