Strange, how can those who have not paid their seniority still calculate a higher pension? Is it because the length of service during that time is worth money?
The length of service without payment, to put it bluntly, is what we often say as the deemed payment years, that is, the years before the establishment of the local pension insurance personal account, all regarded as contributions to calculate the length of service, and receive an additional transitional pension.
If it is considered to be a contribution because those years are special, but these unpaid years of service are particularly valuable, what is the matter? The mystery is hidden in the calculation formula, let's take a look:
01. The concept and origin of transitional pension
Our language is broad and profound, and the so-called transition indicates that this type of pension is a short-term act, a type of pension specially designed for a special period.
Many elderly people miss the old days, the "big brother of the worker" has a particularly high status, good treatment, and pensions, meals, baths, cinemas and even kindergartens are in a unit compound, and there is a special touch among colleagues.
Unfortunately, with the pace of development, the wave of layoffs has come to some people who lose their jobs, re-employment, and survive more difficult, which is a process of reshaping for employees, some people start a business, and some people have always struggled on the food and clothing line.
But for enterprises, this is indeed a kind of "burden reduction", individual participation in the combination of unit insurance, and "severe" the relationship with the enterprise after retirement, which is a way to stimulate market vitality and promote social development.
Enterprise employees who worked before the establishment of local personal accounts became "middle-aged people", and during this period there was no policy requiring them to pay pensions, and suddenly a new policy was promulgated, how to calculate pensions?
02, Is the length of service of the transitional pension higher than that of the basic pension?
Nowadays, retirees will go to find the personnel file of the year when going through the procedures, the main purpose is to check the deemed contribution years recorded in the personnel file, so as to facilitate the approval of the transitional pension at the time of retirement.
Of course, there are also birth time identification, special work years identification, etc., all need the corresponding materials in the personnel file to certify, these are important factors affecting pension.
There is one point to remind everyone, that is, the calculation method of transitional pension in different regions is different and not uniform, why? It is because there was no "one-size-fits-all" when the pension insurance reform was carried out at that time, for example, Dalian City was in 1993, and Qingdao, Shandong in 1994, and other parts of Shandong were in 1996.
When calculating the transition pension, there is an influencing factor that is the transition coefficient, mainly because the transition coefficient is different, as high as 1.4% in some places, resulting in the same year of work, the value of the length of service without contributions is higher than the value of the actual contributory, the mystery is hidden in the calculation formula:
Basic pension = average salary of employees in the city in the previous year * (1 + average contribution index) / 2 * (number of years of contribution) * 1%
Transitional pension = average salary of employees in the city in the previous year * (1 + average contribution index) / 2 * (deemed contribution years) * 1.4%
The above transitional pension is based on Dalian as an example, but after reading the two formulas, we find that the two are very similar. If the average contribution base of neighbor Lao Zhang is 1, and the average salary of Dalian is 8661 yuan, then how big is the difference between the pension obtained by treating 1 year of contribution and 1 year of actual contribution?
Basic pension = 8661 * (1 + 1) / 2 * 1 * 1% = 86.61 yuan; Transitional pension = 8661 * (1+1) / 2 * 1 * 1.4% = 121.25 yuan
It is because the gap in the transitional pension coefficient of 1.4 becomes 1.4 times the value of the deemed contributory length of service is 1.4 times the actual contributory service, so if the transition coefficient is higher than 1, this situation will occur.
However, the transition coefficient is not always 1.4%, for example, Beijing and Tianjin are 41%, Heilongjiang and Shanghai are 1.2%, Sichuan and Jiangxi are 1.3%, Yunnan and Zhejiang are 1.4%. Of course, there are also Jiangsu Province's transitional pension calculations that are more special, and the calculations are not too high, and they are said to be in the process of reform.
03，
Is it reasonable to design transitional pensions in this way?
The design of the transitional pension is also comprehensively considered, and the working years of the old employees said that they can receive pensions without paying social security, and then the policy is changed, there will definitely be a saying, which is also the meaning of the transitional pension.
With the operation of the times, the number of people involved in the deemed payment period gradually decreases, and it will become 0 later, taking the 80s as follows, all are the actual payment years, there is no deemed payment years, so there is no calculation of pensions in this aspect.
Of course, because almost all of these people have a college degree or above, they are not counting the length of service, which causes this group of people to have a shorter working life, and after delaying retirement, the length of service can be longer.
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