"The Secret of Retirement Policy Reveals the Difference Between Individual Retirement and Unit Retirement".
1. Overview of retirement policies.
Retirement policy refers to a series of policies and measures formulated by the state or local government for retirees, aiming to ensure the basic life of retirees and improve the quality of life of retirees. China's retirement policy mainly includes the old-age insurance system for enterprise employees, the old-age insurance system for government agencies and institutions, and the old-age insurance system for urban and rural residents.
2. The difference between individual retirement and unit retirement.
1.The subject of handling is different.
Individual retirement means that the retiree applies to the social security department for retirement procedures, while the unit retirement means that the retiree's unit is responsible for handling the retirement procedures for him.
2.The process is different.
The process of individual retirement is as follows:
1) Retirees submit retirement applications to the social security department;
2) The social security department reviews the retirement conditions of retirees;
3) After the audit is passed, the retiree will receive the retirement certificate;
4) Retirees enjoy pension insurance benefits according to regulations.
The retirement process of the unit is as follows:
1) The personnel department of the unit collects the retirement application and related materials of the retirees;
2) The personnel department of the unit submits a retirement application to the social security department;
3) The social security department reviews the retirement conditions of retirees;
4) After the audit is passed, the personnel department of the unit will handle the retirement procedures for the retirees and issue the retirement certificate
5) Retirees enjoy pension insurance benefits according to regulations.
3.The required materials are different.
The materials required for individuals to apply for retirement mainly include: ID card, household registration book, pension insurance handbook, retirement application, etc.
The materials required by the unit for retirement mainly include: retiree ID card, household registration book, pension insurance handbook, unit introduction letter, retirement application, etc.
4.The processing time is different.
The time limit for individuals to handle retirement is relatively short, and it can generally be handled in the month when the retiree reaches the statutory retirement age. The time limit for the unit to handle retirement is longer, and it generally needs to be handled one month in advance.
5.The treatment is different.
Individual retirees will begin to enjoy pension insurance benefits in the following month after completing the retirement procedures. Personnel who have retired from the unit shall begin to enjoy pension insurance benefits in the same month after going through the retirement procedures.
6.The subject of responsibility is different.
The main body of responsibility for personal retirement is the retiree himself, and if there is a problem, he or she needs to bear the consequences. The main body responsible for the retirement of the unit is the personnel department of the unit, and if there is a problem, the unit needs to bear the corresponding responsibility.
3. The development trend of retirement policy.
With the rapid development of China's social economy, the retirement policy is constantly adjusted and improved. The main development trends in the future include:
1.Gradually realize the full coverage of the pension insurance system;
2.Improve the level of basic pension insurance benefits;
3.Improve the adjustment mechanism of pension insurance benefits for retirees;
4.Strengthen socialized management services for retirees;
5.Promote the investment and operation of pension insurance.
In short, there are great differences between individual retirement and unit retirement in terms of the subject, process, materials required, time limit, treatment enjoyment and responsible subject.
Retirees should choose the appropriate way to handle it according to their own circumstances to ensure a smooth retirement and enjoy the due pension insurance benefits. At the same time, pay attention to the development trend of retirement policies, understand relevant policy adjustments, and fully prepare for your retirement life.