Plan hair is gotten have change primary endowment insurance gives the individual

In December 2005, the State Council was released " the State Council about perfecting company worker the decision of system of primary endowment insurance " () of new regulation of the following abbreviation, the file of this interest that affects common people of town great majority is paid close attention to eagerly, because with what the government released 1997 " the company worker that the State Council unites about building is basic the decision of endowment insurance system " (old regulation of the following abbreviation) photograph comparing, new rule is brought about be accumulated in fund and plan hair formula and annuities get old-age pension in the future the respect such as the forehead can produce a few change. So, what kind of change and effect can there be to the individual after adjusting?

Concrete step and change

New regulation is specific to the adjustment of system of primary endowment insurance reflect in the following respects:

The first, compare with old regulation photograph, the burden that primary endowment insurance expends unit and individual pay society did not produce change, still occupy individual capture to expend salary in all 28% the left and right sides, among them unit burden 20% the left and right sides, the individual is assumed 8% . Nevertheless, what differ with old rule is, since January 1, 2006, expended salary by the individual capture of unit pay in the past the insurance premium of 3% enters individual account no longer, turn however stock a society to plan as a whole account.

The 2nd, according to old regulation, the lunar level that fundamental old-age pension gets when the worker is retired is province, municipality, municipality directly under the Central Government or ground (city) on year worker is mean monthly the 20%(pay cost of salary is full 15 years of) . And new rule provision, the lunar level of fundamental annuities is gotten to go up with place when the worker is retired worker of year on guard is mean monthly salary and him index are changed mean monthly the average of pay cost salary is base, capture expends every to send 1 year completely 1% , encourage capture of the ginseng person that protect to be expended 15 years with succeed add capture completely, pay cost can be in every months 35 years when the annuities that get from as a whole account is gotten at the appointed time the society is average 35% of salary.

The 3rd, according to old regulation, the lunar level that individual account old-age pension gets when the worker is retired is him account tired store up to put the forehead to divide with 120. And new rule provision, the lunar level that individual account old-age pension gets when the worker is retired stores for individual account the forehead is divided with plan hair the month is counted. Population of the town when number of plan hair month retires according to the worker is average oneself are life expectancy, emeritus the factor such as the age, accrual is certain, assume 60 years old retire, at the appointed time life expectancy is 75 years old (take no account of interest factor) , plan hair month is counted even if 180, 120 is not the regulation before this.
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