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根据《国务院关于完善企业职工基本养老保险制度的决定》(国发[2005]38 号)——(2005年12月14日由新华社发布,以下简称国发[2005]38号文件)的规定, 从2006年1月1日起,个人账户的规模统一由本人缴费工资的11％调整为8％,全部由个人缴费形成,单位缴费不再划入个人账户。这意味着个人养老金计算有了新办法。那么,这种计发办法的变化对职工影响大吗? 劳动和社会保障部有关负责人表示,这次计发办法改革,是以参保缴费年限为基础,以计发基数、计发比例和计发月数调整为重点,以建立参保缴费的激励约束机制为出发点,以保障参保人员的养老保险权益为目标,采取“新人新制度,老人老办法、中人逐步过渡”的方式来设计的。因此,职工的负担不会增加,待遇不会降低。
Pursuant to the “Decision of the State Council on Perfecting the Basic Endowment Insurance System for Employees of Enterprises” (Guo Fa [2005] No. 38) - (Guoxin [2005] No. 38 Document issued by Xinhua News Agency on December 14, 2005) From January 1, 2006 onwards, the size of the individual accounts will be adjusted to 8% by 11% of their pay wages, all of which will be formed by individual contributions. The contributions of units will no longer be allocated to individual accounts. This means that there is a new way of calculating your personal pension. So, the changes in measurement and dispatch methods have a big impact on workers? The responsible person of the Ministry of Labor and Social Security said that the reform of measurement and accounting measures is based on the payment period of insurance premiums, Based on the adjustment of the number of months of issuance and payment, taking the incentive and restraint mechanism of insurance premium as the starting point, with the goal of guaranteeing the rights and interests of pension insurance for insured persons, the “new system of new entrants, old practices of old people and gradual transition of Chinese people” Designed. Therefore, the burden on workers will not increase, treatment will not be reduced.