Recently, management board of fund of Guangdong province social security is released " ginseng of primary endowment insurance protects worker of Guangdong province industry personnel gets basic annuities qualification to maintain measure " , seek masses opinion publicly.
" method " after the regulation attends endowment insurance, retire normally, ahead of schedule the emeritus age that emeritus, defer retires to differ 3 kinds:
Retire normally
The male year full 60 one full year of life, female cadre (administrative technique post) year full 55 one full year of life, workingwoman person (production operates station) year full 50 one full year of life, the female ginseng that farmer contract makes female worker ever attended endowment insurance with worker status keeps a person year full 55 one full year of life, can deal with according to legal process emeritus, get old-age pension by the month.
The female is on-the-job personnel happening post is fluctuant full of a year of above, after classics unit affirms from emeritus age is maintained by new post since second month of a year completely. The female unemployment staff that ever joined endowment insurance with worker status (after including come off sentry duty with town individual and industrial and commercial door or capacity of staff of flexible obtain employment joins company worker the personnel of primary endowment insurance) post is maintained by the worker.
Retire ahead of schedule
Include special type of work in production, due to illness or because labour sends sex of incomplete, policy,be not 3 kinds. Those who require an attention is, join the application that keep a person special type of work retires ahead of schedule get basic old-age pension, give via means will waiting through announcement, website after preliminary examine and verify fair show.
Defer retires to be aimed at major of female cadre, female technical personnel, a few senior expert.
Adopt old gold is needed " enough age emeritus + pay is full 15 years "
" cognizance method " clear, join after protecting a person to reach emeritus age, pay cost is full 15 years, can get basic old-age pension, place of the fund that press cost is belonged to period affirmatory and final ginseng keeps the land.
Already drew basic annuities personnel by the month, if appear: Did not deal with attestation of the qualification that get by the regulation or did not pass attestation of the qualification that get, be missing miss battle of the blame of suspect of more than 6 months, experience, arrest that be sentenced, set term of imprisonment and above are penal 4 kinds of circumstances, lose temporarily since second month get basic annuities qualification.
Repeat the ginseng that gets basic old-age pension to keep staff, talk things over by oneself and orgnaization of social insurance agency, decide reservation to an endowment insurance concerns and continue to receive treatment among them, other endowment insurance concerns give clear, part of individual account the rest is one-time return oneself, the basic old-age pension that gets more is retreated by formulary Qing Dynasty.
Endowment insurance already pay is full 15 years, but still do not have emeritus age, do not continue even capture?
According to " labor law " regulation, unit of choose and employ persons and laborer must attend social insurance lawfully, pay society insurance premium. That is to say, want to laborer and unit of choose and employ persons sign labor contract lawfully and establish working relationship only, no matter cost of pay of accumulative total of laborer endowment insurance is full 15 years, must attend primary endowment insurance.
Primary endowment insurance executes the company worker of our country " much capture is much, chief pay is gotten more " principle, capture must be jumped over much, allowance of the basic old-age pension that after retiring, gets, government is more also. Because this joins endowment insurance of the worker that keep a person,fixed number of year is expended in accumulative total capture full after 15 years, continue before reaching legal and emeritus age pay cost, higher annuities salary can be enjoyed after retiring.
Annuities why not one-time extend, should be gotten by the month according to number of plan hair month?
The essence of endowment insurance, it is the risk that is aimed at provide for the aged. What is risk of provide for the aged?
Say simply even if the person is living, money was done not have. No matter commercial insurance or social security, it is to be aimed at a person to be in the risk with senile living moment. Force of kinetic energy of old people fatigue drops, the ability that gets income is very low, what senile life risk points to is of cash shedding interrupt, this also is concern of place of major old person.
Endowment insurance is called to live annuity, as long as this old person is living, OK the ready money that every month has brushstroke to secure flows, make sure basic life won't be put in too big risk. Ginseng keep a person when getting primary endowment insurance, individual account scarcely is one-time when retire repay, get according to the form of annuity however. The forehead that get is spent even if individual account amount is counted except plan hair month (60 years old retire is 139 months, 61 years old retire is 135 months, 62 years old retire is 117 months) , emeritus age is older, plan hair month is counted can jump over small, you the specified number that every month gets is spent meet a lot of. Plus allowance of fundamental annuities, government, it is the pension that a month gets the old person.
At that time somebody should ask, if I retire 60 years old, the number of plan hair month of 139 months is gotten, after getting nearly 12 years namely, is the annuities from the back gotten?
World Health Organization released 2105 " world wholesome statistic " report data shows, the Chinese's mean life is the male 74 years old, the female is 77 years old. That is to say, 60 years old retire, 72 years old get the old-age pension in individual account, what get again from the back is " net income " , till lifelong. If join the individual account that keeps a person to was not gotten,die unfortunately, annuities also can accede by spouse, children as bequest.
Company worker is announced in Guangdong after emeritus age, the document that emeritus age provides each district worker believes to also can be announced very quickly. Endowment insurance regards a the people's livelihood as policy, devoted more, gotten material benefit can be jumped over much.
