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Can the resigned employees take out the enterprise annuity? Detailed process of extraction method

At present, government organs, institutions and many powerful companies have enterprise annuity plans. The enterprise annuity plan contributes to the individual account of employee annuity according to the profits of the enterprise and the performance of employees. It is important for enterprises to attract high-quality talents, stabilize the workforce, protect the interests of employees, and maximize the labor enthusiasm and creativity of employees, It is also a positive and effective means to improve the employees' sense of pride and responsibility in serving the enterprise, so as to enhance the cohesion and market competitiveness of the enterprise and obtain the maximum economic benefits. Enterprise annuity can be regarded as a kind of welfare enjoyed from the enterprise, but can employees who resign receive it? How to get it? This article is compiled to answer for you.

Can enterprise annuity be withdrawn after resignation?

If a worker resigns, he cannot withdraw the enterprise annuity. Annuity can only be transferred to a new company or sealed in the original company, and cannot be received. According to the Trial Measures for enterprise annuity (Order No. 20 of the Ministry of labor and social security), the conditions for receiving enterprise annuity are as follows:

1. Retirement;

2. Going abroad for settlement;

3. Death (received by the beneficiary).

There are two processing methods for the enterprise annuity of Resignation:

1. If the new enterprise has an enterprise annuity, the vested equity part under the individual account shall be transferred.

2. If the new enterprise does not have an enterprise annuity, it will be transferred to a reserved account and continue to be managed at the original trustee (the management fee shall be borne by itself).

The withdrawal of individual enterprise annuity assets needs to meet one of the three conditions stipulated by national laws and regulations, namely retirement, overseas settlement or death of employees; When an employee leaves the company, his / her annuity assets cannot be withdrawn, but the individual contribution part and the enterprise contribution part that can belong to an individual according to the annuity scheme can be transferred to the enterprise annuity plan of the transferred enterprise along with the employee; If the transferred enterprise does not set up an enterprise annuity, it shall be retained in the original enterprise as a retained account.

Overseas extraction method

The withdrawal for going abroad is one-time. The specific process is as follows:

Application from the labor and Social Security Bureau ----- the seal of the former unit ----- the seal shall be sent back to the labor and Social Security Bureau ----- the labor and Social Security Bureau shall seal the result ----- hand it over to the designated bank ----- the bank shall pay for the card

Retirement withdrawal method

Retirement is divided into one-time withdrawal and monthly withdrawal.

One time withdrawal method: the labor and social security bureau applies ----- the former unit seals ----- the sealed document is sent back to the labor and Social Security Bureau ----- the labor and Social Security Bureau seals the result ----- it is handed over to the designated bank ----- the bank makes money and hits the card

Monthly receiving method: after retirement, employees can choose to receive pension monthly according to their own needs. It is to convert the monthly receiving time and amount according to the payment time and rolling total amount of enterprise annuity. This method, like pension, can be used as monthly salary until the funds are paid out.

Transfer to new enterprise method

When the work changes, the funds in the personal account can be transferred to the new company. Give the relevant information of your enterprise annuity to the personnel department of the new unit for handling procedures.

According to the measures, when a staff member changes his work unit, the funds in the individual account of occupational annuity can be transferred with him. If a staff member does not implement the occupational annuity or enterprise annuity system during his study, military participation, unemployment or new employment unit, his occupational annuity personal account shall continue to be managed and operated by the original management organization. If a new employment unit has established an occupational pension or enterprise pension system, the funds in the individual account of the original occupational pension shall be transferred with it. In other cases, the transfer and continuation of occupational annuity shall be formulated separately in accordance with relevant national policies and regulations.

[frequently asked questions]

1、 What is the account management of enterprise annuity?

[answer]: both unit and individual contributions are included in individual accounts. The Measures specify that occupational pension funds are managed in the form of individual accounts, and individual contributions are accumulated in real accounts. The unit payment shall be included in the individual occupational annuity account according to 8% of the individual payment base, and the individual payment shall be directly included in the individual occupational annuity account. The investment and operation income of occupational pension fund shall be included in the individual account of occupational pension according to regulations.

2、 What is enterprise annuity? How to pay? When can I get it?

[answer]: ① enterprise annuity refers to a supplementary pension system established voluntarily by enterprises and their employees under the guidance of national policies and on the basis of participating in basic old-age insurance according to law and according to their own economic strength, in addition to the public pension or national pension system enforced by the government, in order to provide a certain degree of retirement income security for their employees.

② The amount of enterprise contribution calculated according to the proportion specified in the enterprise annuity plan shall be included in the employee's enterprise annuity personal account; The individual contributions of employees shall be included in their enterprise annuity personal account.

③ When employees reach the retirement age stipulated by the state, they can receive enterprise annuity once or regularly from their enterprise annuity personal account. If an employee fails to reach the retirement age stipulated by the state, he shall not withdraw funds from his personal account in advance; The enterprise annuity individual account funds of the persons who have left or settled abroad may be paid to them in a lump sum at their own request.

3、 Can enterprise annuity not be paid?

[answer]: the enterprise annuity is optional.