The pension issue of employees of a public institution has recently aroused heated discussions among many netizens. A netizen from Beijing disclosed the amount of his pension, which attracted a lot of attention and discussion. But some people said that in comparison, the pension of their unit is higher, so they don't think this netizen's pension is very special.
For most people, it is quite difficult to receive a pension of $10,000 a month. To reach this level, a number of conditions need to be met. First of all, you need to work in an economically developed city with a salary package that is higher than the local average.
Secondly, you should have more than 30 years of service. In addition, you have to work within the system, or hold a senior position in a state-owned enterprise or a private company. Of course, this is only a possibility, as everyone's situation is different.
However, in reality, most of them are ordinary employees of private companies, and their monthly social security contributions are relatively low. In addition, job security in the private sector is low, so the pension you receive after retirement is usually not high.
Taking the pension in Beijing as an example, a netizen disclosed his pension data. The netizen has been working since 1986, retired at the age of 60 this year, and has been receiving a pension since January.
According to the basic endowment insurance treatment verification table, his actual payment period is 20 years and 11 months, the deemed payment period is 16 years and 6 months, the personal account storage amount is 486,711.61 yuan, and the personal account subsidy is 23,947.08 yuan. His basic pension includes a basic pension of 7,596.47 yuan, a personal account pension of 3,673.8 yuan and a transitional pension of 2,389.98 yuan, totaling 13,660.25 yuan.
This netizen used to work in a public institution, and later transferred to work in a private company, and when he retired, he was a business manager.
With 36 years of service and a personal account of nearly 500,000 yuan, this is a relatively high level among retirees from private companies. This also reflects his high salary level before retirement.
It is important to note that his deemed contribution period is up to 16 years, which many may not be able to achieve. The deemed contribution period has a greater impact on the amount of pension. Even if his actual contribution period is only more than 20 years, due to the long period of deemed contributions, it is calculated according to 36 years in the pension verification.
For some, the term "deemed contribution period" may not be easy to understand.
In layman's terms, this means that even if you don't really pay social security, your working hours can be regarded as the number of years of contribution according to relevant national regulations. However, not everyone is eligible for this policy. Therefore, in order to avoid unnecessary losses, those in need must go through the relevant procedures before retirement.
The issue of pension has always attracted much attention because it is related to the quality of life of everyone's pension. While some people are able to receive a higher pension, there are also many who are unable to reach the desired pension level for a variety of reasons. Therefore, it is hoped that the government and relevant departments can further improve the old-age security system and provide better protection and services for the majority of retirees.