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Retirement, 39 years of service, and a monthly enterprise annuity of only 1,600 yuan, is it reasonable?
In our country's endowment insurance system, in addition to the basic endowment insurance, there is also a supplementary endowment insurance system, according to the regulations, there are two supplementary endowment insurance systems, namely the occupational annuity paid by government institutions and institutions, and the enterprise annuity paid by enterprises.
Among them, the implementation time of occupational annuity is relatively short, but the on-the-job personnel are mandatory to pay, while the implementation time of enterprise annuity is relatively long, but the on-the-job personnel are voluntary, and the enterprise unit also determines whether to establish an enterprise annuity personal account for the on-the-job personnel.
Up to now, there are not many companies that have established enterprise annuities for on-the-job personnel, only state-owned enterprises, some foreign-funded enterprises and large private enterprises with good profitability, etc., will have enterprise annuity personal accounts for on-the-job personnel, while most other small and medium-sized enterprises, may only be managed personnel will establish enterprise annuity personal accounts.
It can be seen from thisBecause the establishment of the enterprise annuity personal account is determined by the company, most of the on-the-job personnel do not have an enterprise annuity personal account, and only a small number of personnel have paid the cost of the enterprise annuityTherefore, after going through the retirement procedures, only a small number of enterprise retirees can receive the treatment of enterprise annuity.
For example, this enterprise retiree with 39 years of service will retire in 2023, and the monthly enterprise annuity will be 1,600 yuan, which means that when he goes through the retirement procedures, his enterprise annuity personal account balance can be 222,400 yuan, which is relatively high, which also shows that when he is working, the monthly salary should be relatively high.
It is precisely because his work unit is good or he belongs to the management of small and medium-sized enterprises that his enterprise annuity personal account will be established by the company, and when he goes through the retirement procedures, he can have a balance of more than 220,000 yuan in the enterprise annuity personal account, which can be seenThe enterprise annuity treatment of 1,600 yuan per month is relatively high, and from the balance of his enterprise annuity personal account, his enterprise annuity treatment should also be normal