What do you mean by pooled accounts and individual accounts
2022-04-30 0 By
Social overall planning refers to the fund of each social security project in a large area of specialized social insurance institutions for unified collection;And individual account is record ginseng the charge that protects personnel and unit pay and its interest.1. Personal account: corresponding to social pooling.Individual account mode is to point to the endowment insurance premium that collects capture enters individual account entirely, when laborer enters old age, lose labor ability, the amount that accumulates according to individual account again.2. As a whole account is used as a whole the money in the account belongs to all individuals, such as in the endowment insurance when employees not to die, retirement age pension insurance personal accounts will be returned to the beneficiary, the personal accounts in the health care of the money for personal use, you can pay for office visit, the medical provisions of individual pay part of social security, such as to buy drugs.3. Differences between pooling account and personal account: different concepts: Pooling account refers to the fund relief of various types of social security projects;And individual account is the charge that the personnel of special record pay social security and unit pay jointly and its interest;The role is different: the money in the overall planning account is ultimately held by the individual, and the individual account is generally used to close the individual account when the individual is dealing with retirement or surrender.