Everyone should be familiar with pensions. Strictly speaking, my country's pension benefits are not only 1 basic pension. It has been clearly issued. In fact, there are 4 pension benefits. Do you know it?

pensions should be familiar with everyone. Strictly speaking, the pension benefits in our country are actually not only 1 basic pension. It has been clearly issued. In fact, there are 4 pension benefits. Do you know it?

first, basic pension

is the most familiar one, which is divided into two categories. One is employee pension insurance. The participants are targeted at employees of working enterprises and those in government agencies and institutions. In recent years, flexible employment has been added. After retirement, the monthly pension includes basic account pension and personal account pension. Among them, the "middle-level" one is also transitional pension . From one year after retirement, the pension will be increased. By this year, the employee pension has achieved 18 consecutive increases; the other is resident pension insurance, which is mainly aimed at farmers and those with low income and cannot afford to participate in employee pension conditions as flexible employment. Resident pensions are not being uniformly increased at present. Some regions are adjusting from time to time, and only the basic pensions are raised, and the pensions for personal accounts will not be uniformly increased.

second, annuity

, one is occupational annuity , the other is enterprise annuity , both are supplementary pension insurance systems, occupational annuity is established by government agencies and institutions, and enterprise annuity can be established by enterprises. But it does not exist independently. As a supplementary pension insurance, you must first pay basic pension insurance before you can participate. Moreover, like basic pension insurance, the unit and individual pay the fees together, with 8% and 4% respectively, and the unit pays the most. After retirement, you can go through the collection procedures. However, the annuity does not have to be collected monthly. It can be collected in one go, in batches and monthly, or you can purchase financial products. You can choose the distribution method when you retire. However, even if you receive it monthly, it does not last until you die, because the annuity is not a lifetime system.

Third, seniority allowance

For the elderly over 80 years old, the state requires the issuance of seniority allowance. Article 48 of the 2021 "National Basic Public Service Standards" once again emphasizes this requirement. For cities with higher age restrictions, some regions have lowered the application threshold this year. For example, Dalian, Liaoning City, will expand the distribution scope to three times the original this year, and will also include elderly people aged 85 to 89 in the distribution scope. After receiving pensions in October, these people can still get an additional 50 yuan in senior high school allowance every month, and can receive an additional 600 yuan in income a year.

Fourth, Personal Pension

After the basic pension insurance and annuity system, the third pension pillar in my country is personal pension. Unlike the first two items, personal pension system , as the name suggests, is a system that is not affected by enterprises and units, and is completely chosen by the insured to participate and pay. All payments are entered into the personal account. Moreover, unlike other pension benefits, personal pensions are operated in a market-oriented manner, and the investment scope, projects, operability, etc. of commercial financial products are higher, and the scale of future returns will be difficult to estimate.

However, although there is so much pension income, in reality, many people only have a basic pension at the beginning after retirement, and some people can’t even get a sum of money. Why is this? We can draw the answer from these 4 aspects:

• First of all, cannot enter government agencies and institutions, so you cannot participate in occupational annuity. Although enterprise annuity means that enterprises can set up, the premise is to pay two pension insurance premiums, one basic pension insurance and the other annuity. Generally, small and medium-sized enterprises cannot afford so much labor cost investment. So far, there are still a few large enterprises and state-owned enterprises that can play with.
• followed by . Personal pensions have just been released this year. Although there is an implementation method, banks in many places have also begun to launch new financial management projects, but there is no formal policy document yet to be issued to pilot the list. It is said that they can start participating in insurance, so many people naturally dare not enter the market. It will also be necessary to wait for whether the nationwide implementation will be implemented after the pilot. Even if it can be implemented, it will take more than ten years or decades. After everyone is insured and retired, they may start to receive the money.
• Again, senior age allowance has an age threshold, and you do not have the qualification to apply until this condition is met.For people under the age of 80, they can only receive basic pensions now, and those with annuity can receive an annuity. Except for a few cities, such as Shenzhen, you can apply at the age of 70.

• Finally, is it true that someone doesn’t have a penny? It is not an exaggeration. Here are three main reasons: 1. The cumulative payment time for insurance is less than 15 years. After , the legal retirement age of , there is no monthly pension, but here it is just that there is no monthly pension, and the social security premiums in the personal account will be refunded. However, if you have to lose the money from the unified account, you cannot enjoy lifelong pension benefits. 2. If you do not participate in insurance, you do not meet the age standards for older age. The minimum normal legal retirement age is 50 years old for women, and the minimum age to receive the age allowance is 70 years old. That is to say, you can only apply for this money after at least 20 years. Before you reach age, you will not receive the above pension benefits. If you don’t work, you may really lose a penny. 3. Dead people, uncertified people and those who served their sentences. After death, the pension will be suspended in the next month; the pension will be suspended in the next month if it is not certified, but it can be restored from the next month after certification; during the period of sentence, the pension will also be suspended and cannot participate in the adjustment, but as long as there is a chance to end the sentence, the payment can also be resumed after the end.

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