It's about your "Second Pension Insurance", the authoritative interpretation is here!

On August 22, 2022, the Chengdu Municipal Bureau of Human Resources and Social Security, together with the Municipal Party Committee Social Governance Committee, the Municipal Finance Bureau, the Municipal Education Bureau, the Municipal State -owned Assets Supervision and Administration Commission, the Municipal Financial Supervision Bureau, and the Municipal Taxation Bureau, issued the "Guiding Opinions on Promoting the Development of Enterprise Monthly Development 》 (Adult Social Affairs [2022] No. 11, hereinafter referred to as "Guidance Opinions").

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Relevant person in charge of the Municipal Human Resources and Social Security Bureau

Regarding the situation of "Guiding Opinions"

And hot issues that citizens care about

Interpret it, let's take a look together!

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Q: What is corporate annuity?

A: Enterprise gold refers to the self -established pension insurance system established on the basis of participating in basic pension insurance in accordance with the law. It is an important part of my country's multi -level and multi -pillar pension insurance system in China.

Q: What is the role of establishing an annuity of corporate corporate? What are the coverage?

A: Enterprises establish an enterprise annuity, which is conducive to improving the salary system of the employee, showing the good culture of the enterprise, enhancing talent attraction, and stabilizing the employee team; employees participating in corporate annuity are conducive to adding a pension accumulation on the basis of basic pension insurance. Further improve the level of income after retirement and quality of life.

In accordance with the law, the employers and employees of the basic endowment insurance of the enterprise can establish an enterprise annuity, including various types of urban enterprises and their employees, social organizations and their full -time staff, and foreign staff in the organizer and institutions.

Q: What is the expansion of the annuity expansion of Chengdu's enterprise?

A: The "Guidance Opinions" clearly increases the number of annual annual households in the city increased by more than 10%each year. By the end of 2025, the establishment of a corporate annuity work pattern with policy support, enterprise autonomy, departmental linkage, and social participation is comprehensively constructed. Turned up at the end of 2021.

Q: What are the targeted measures to expand the coverage of corporate annuity?

A: For state -owned enterprises and listed companies, small and medium -sized enterprises, foreign -oriented institutions, foreign personnel, labor dispatching units, and industrial parks, etc., are clearly encouraged and guided measures.

1. State -owned enterprises and listed companies

Encourage them to play a leading role and promote the full coverage of corporate annuity;

2. Small and medium -sized enterprises

You can act first to establish an enterprise annuity, and then gradually expand the coverage of the coverage;

3. Organized institutions

Encourage the establishment of an enterprise annuity for foreign staff, the required funds are included in the existing fiscal budget coordination guarantee, and support the relevant industry (system) to initiate the establishment of an annuity of foreign personnel;

4. Labor dispatch unit

In principle, the annuity of labor dispatch personnel is established by the labor dispatch unit, and the labor dispatch personnel of the employer with conditions can be established to establish an enterprise annuity;

5. Industrial park

Enterprises that have not established an enterprise annuity in the park can establish a talent enterprise annuity plan for various types of talents used for their use for them.

Q: How to pay for corporate annuity?

A: Enterprise payment does not exceed 8%of the total wages of employees in the enterprise each year, and the total payment of individuals and employees does not exceed 12%of the total salary of employees in the enterprise. The required costs are determined by enterprises and employees.

Q: The change of employee work unit, how to deal with corporate annuities?

A: When the employee changes the work unit, if the new employment unit has established an enterprise annuity or occupational annuity, the original enterprise annuity personal account rights and interests shall be transferred to the new employment unit's enterprise annuity or occupational annuity.

If the new employee of the employee does not establish an enterprise annuity or occupational annuity, or during the period of the employee's enrollment, joining the army, or unemployment, the original business account of the original enterprise can temporarily continue to be managed by the original management institution, or the reserved account set up by the collection plan initiated by the legal person trustee. Temporary management.

Q: How to receive corporate annuity?

A: When employees reach the retirement age prescribed by the state or fully lose their labor capacity, they can receive monthly, divided or one -time employment of their own business accounts; Commercial endowment insurance products receive treatment according to insurance contracts and enjoy the corresponding inheritance rights; corporate annuity personal account funds for settlement (border) personnel who go abroad (border) can be paid to me at one time according to my request. After the death of employees or retirees, the balance of their own annuity accounts can be inherited.

Q: How will Chengdu optimize the service of enterprise annuity?

A: The "Guidance" proposes to optimize the management services of the human social department and the trustee operation agency. The city's human and social departments will strengthen the policy and business guidance of the employer to formulate an enterprise annuity, accelerate the promotion of online filing, and provide more convenient and efficient services for employers and employees to establish an enterprise annuity; Insurance payment, equity inquiry, account transfer, and treatment payment workflow, further enrich and optimize product supply, moderately reduce service fees, and improve the level of corporate annuity funds.

Observation of Sichuan (Source: Chengdu People's Social Agency)

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