#聚光创作大赛#
This is a pension accounting table for laid-off workers, that is, the cumulative payment period is 42.75 years, and the payment period should be the longest. Very few people at the age of 17 enter the workforce. Why is his pension only more than 3100 yuan, the average index is 0.6623, but after 96 years, the actual payment index is only (0.6623×42.75-15.08) ÷27.67 = 0.4783, 96 years ago also paid for 3 years without being credited to the personal account and not recorded in the index, which should not be lower than 1 in the enterprise index in Jingzhou City. Why is the average payment index only 0.4783 after 96 years, because Hubei stipulates that no matter how high or low the payment is before 96 years, the 3-year paid-in index will be cancelled as a non-payment, and the average index after 96 years is calculated together with the deemed index 1 and the actual payment after 96 years, and the average index can be seen on the table to be 0.6623, and the average paid-in index after 96 years can be reversed to 0.4783 according to the known deemed years of 15.08 years and 27.67 years after 96 years. Since most of the post-96 generation buys pensions for laid-off flexible employment, his index cannot be compared with that of on-the-job workers, and his personal account is not generalized. This is where many people tend to confuse it, comparing laid-off workers with on-the-job workers, and between laid-off enterprise workers and on-the-job employees, and talking about laid-off workers' low pension index and small personal account balances. It's not as good as the career of the on-the-job agency, and so on. I don't know that they have paid 31 annual fees, and the index is not low.
If there is a unit to co-ordinate, the index of 0.4783 is equivalent to 1.4349, and it is 30.75 years × 1.4349, and the retirement of business personnel in the same year is 8.92 years × 1.4349, who do you think is low in this index? After the personal account will return 2/3 from the co-ordination account to the personal account, the personal account will increase from 56,987 yuan to more than 170,000 yuan, will you think that his personal account balance is less? Therefore, many people do not think about this problem, and compare laid-off workers with those on the job, and with the workers of government organs and institutions. Blame them for paying too little, the index is too low, so it is natural to have less pension, the ratio of a 31-year fee to pay 8-year fees, the same payment index of 1.4349, a reduction to only an index of 0.4783, a record of 1.4349, only 60,000 recorded as 60,000 (interest) and 170,000 recorded as more than 50,000 personal accounts put together, said that the index of organs and institutions is 1.4349, the index of laid-off workers is 0.4783, the personal account of organs and institutions is 60,000 for 8 years, and the laid-off workers pay 18.75 more years, and the personal account is only 50,000, which is less than the pensionTherefore, the advance pension based on 2022 is 3193.98 yuan. Based on the base number of 6395 in 2023, it will be about 3486.18 yuan after reissuance. Many people must think that the pension for nearly 43 years of service is only 3486 yuan, and must think that his long working years and low pension must be the reason for too little payment, you see that the average index is only 0.6623 or the same index is 1 to raise their average index, from 0.4783 to 0.6623, this policy of treating the index as 1 is how much preferential treatment is given to laid-off workers with low payment index!
I don't know that they originally had the national restructuring of the enterprise unit, so that they became flexible employees, not only did they not have a job and did not even pay the co-ordination, so how much to pay, the index was 1.4349, but because they had to bear the co-ordination of the fee he paid into 2/ 3 to the overall planning, so that the index became 0.4783, with an average index of 0.6623 to calculate the pension, but also said that it was improved with the same index 1, the personal account in the table is only 56987 yuan, it seems that the payment is less, in fact, everyone forgets that he is a laid-off worker, is according to 12 ~ 16% of the payment of 113013 yuan into the overall planning, and only 8% credited to the personal account is only 56987 yuan, if you do not need to pay the overall planning, the personal account will increase to 56987×3=170981 yuan, with this personal account to extrapolate the actual payment index should be 0.4783×3 = 1.4349, such an analysis, as an on-the-job employee treated, 42.75 years old, paid 1.4349, personal account 170,000 yuan, the actual payment period of the average index is 27.67 years, in fact, the account was paid for 3 years before the account, and it was not recorded as the same index 1 to cover the cancellation, it should be the actual payment of 30.67 years, which is normal. This average index is 0.6623, and the personal account is only more than 50,000 yuan, which is just an illusion, and the real situation has been shown in the analysis table. The actual situation of the last 31 years of contributions should be restored. Let's calculate his pension by changing various identities to see what changes his pension has.
1. Calculated based on the retirement of employees of on-the-job enterprises in Jingzhou City
Average index = (15.08×1 + 27.67 ×1.4349) ÷ 42.75 = 1.2815
1. Basic pension = 6395× (1 + 1.2815) ÷ 2×42.75× 0.01 = 3118.65 yuan,
2. Transitional pension = 6395×1.2815×15.08×0.012 = 1483 yuan.
3. Personal account pension = 170981÷139 = 1230.08 yuan.
△养老金=3118.65+1482+1230.08
= 5830.73 yuan.
△ The pension of laid-off employees of enterprises will increase by 5830.73-3486.18
=2344.55 RMB,
2. If he is a public institution and retires in Jingzhou City
The average paid-in index is 1.4349, the career retirement has been paid for 8.92 years, the personal account is about 70,000 yuan, and the length of service is 42.75 years
Then the above table can be set of salary scale 41 level technical 13 assistant titles, regarded as the same index 1.5026, see the following table:
Average index = [(15.08 + 18.75) x 1.5026 + (27.67-18.75) ×1.4349] ÷ 42.75 = 1.4885
1. Basic pension = 6395× (1 + 1.4885) ÷ 2×42.75×0.01 = 3401.6 yuan,
2. Transitional pension = 6395×1.5026×33.83×0.012 = 3900.92 yuan,
3. Personal account pension 70,000÷139 = 503.6 yuan.
4.职业年金=503.6×1.5
= 755.4 yuan.
△ Pension = 3401.6 + 3900.92 + 503.6 + 755.4 = 8561.52 yuan.
3. If he is a public institution and retires in Wuhan City
Pension = 8561.53× (8880÷6395)
= 11888.41 yuan.
Conclusion:
The laid-off workers in Jingzhou City have worked for 42.75 years, and the pension is only more than 3,100 yuan and more than 3,400 yuan after recalculation, and people think that the pension payment is less, the average index is only 0.6623 is too little, and the personal account is only 56,987 yuan. However, his working experience is 42.75 years, and the actual payment period is 30.75 years, if it is an on-the-job employee who does not need to pay the overall plan, the unified funds will flow back into the personal account, then the balance of the personal account is about 170,000 yuan, then the paid-in index will become 1.4349, and the pension will be more than 2345 yuan and 5831 yuan in Jingzhou City. If it is a career retirement in Jingzhou City, the pension will be 8,562 yuan, more than 5,100 yuan, which is 2.46 times the current pension, and the retirement pension in Wuhan is 11,888 yuan, which is 3.4 times that of 3,486 yuan. It shows that the laid-off workers are not less paid, have a short length of service, but have different identities, one is the different proportion of contributions after being laid-off, the second is the different status of the enterprise, and the third is that Hubei Province stipulates that the inter-city calculation and payment base is different.