For flexible workers, the pension is 55 years for women and 60 years for men. Men pay 5 years more pension insurance than women, how much more can they get for the pension? #多交五年社保, how much more pension can they get?
To participate in the pension insurance, the pension is carried out in accordance with the national unified calculation formula, mainly including the basic pension and personal account pension. The transitional pension is formulated by the localities themselves, and it has nothing to do with the current insurance contributions, so the difference is not calculated.
(1) The calculation formula of the basic pension is equal to the average social wage × of the previous year of retirement (1 + the average contribution index of the person) ÷ 2× the payment period ×1%.
Generally speaking, most people choose to pay 60% of the social insurance premiums, because it is relatively more cost-effective, of course, this will be more cost-effective.
The average contribution index is actually the contribution base of individuals in the current year÷ the average social wage of the previous year. In some places, the new payment base is used from July and April. In this case, even if the payment is made at 60%, the average contribution index will be lower than 0.6.
For the sake of simplicity, we calculate the average contribution index at 0.6. Whether it is 20 years, 25 years, or 35 years or 40 years, as long as the payment period is 5 years apart, the basic pension will be 4% of the average social salary of the previous year of retirement.
The average social wage of the previous year of retirement, now in many places is also called the pension base of the year, and the 31 provinces in the country are not the same, and even there are several calculation and payment bases within a province. The following is a warm-hearted summary of the 2023 calculation and issuance base, which is from 6,401 yuan to 12,183 yuan.
Based on the calculation and issuance base of 7,468 yuan in Shandong Province, assuming another 4% increase in 2024, it is expected to be 7,767 yuan. In this case, if you pay for 5 more years, you will receive 4% more pension for the basic pension, and you can receive an additional 310.68 yuan per month.
(2) The formula for calculating the pension part of the personal account is equal to the balance of the personal account of the pension insurance ÷ the number of months determined by the retirement age.
The current lower limit of the payment base in Shandong Province, that is, 60% of the grade, is 4,242 yuan, and the personal account can accumulate 4,072.32 yuan in one year. For the sake of simplicity, the difference between the personal account of the pension insurance for 5 years is 20,361.6 yuan according to the above 5 years.
If calculated according to the retirement at the age of 60, the number of planned months is 139 months, and the monthly personal account pension can be 146.49 yuan.
The sum of the two parts of the pension turned out to be 457.17 yuan.
Of course, the difference in actual pension treatment is not 457 yuan on the surface. There are also the following factors to pay attention to:
First, pension growth. The annual pension increase, although there is a fixed adjustment part, there is also a part linked to the number of years of contribution and linked to the level of pension. In this case, after the annual pension adjustment, the difference between the two pensions will at least open up more than ten yuan, and the gap will become bigger and bigger.
Second, a pension in case of early death. If the payment period is 15 years after retirement and death, the pension that the family can receive is the monthly per capita disposable income of urban residents in the province where they died in the previous year after 9 months of death. However, for each additional year of pension insurance contributions, you can receive an extra month. Of course, after retirement, the pension will be reduced by one month for each year received, with a minimum of 9 months.
Thirdly, the balance of the personal account. As long as the personal account is not fully collected, in case of death, this part can be inherited, and it belongs to the part of the overpayment.
Generally speaking, the payment of pension insurance for 5 years is still very obvious for the improvement of pension. If conditions permit, try to keep the pension insurance payment uninterrupted. If the conditions are better, you can choose a higher base payment, so that the pension treatment will be higher. #养老金知识小百科#