After retirement, it is indeed a happy thing for many people to receive a pension with peace of mind. However, after receiving the pension, it was unexpected by many people, some people said that the same payment for 15 years, why some people have a pension of less than 1,000, but some people can receive 2,000 yuan, what are the reasons for the pension gap?
Actually, this question is actually more difficult to answer, and there are many possible scenarios here:
.01
The average social wage in the previous year of retirement is different
Regarding this average salary, some places also call it "the pension calculation base in the year of retirement", mainly because of the merger of the pension insurance payment base and the calculation and payment base.
For example, the pension base in Shandong Province in 2021 is 6,893 yuan, and Jiangxi Province is only 6,306 yuan, but Beijing has reached 10,534 yuan, and Shenzhen is 10,360 yuan.
As a result, the situation that everyone now generally sees has been formed, and the same 30% pension calculation base can reach 2,000 yuan in some areas, but only more than 1,000 yuan in some places.
.02
The pension insurance contribution base is different
My average contribution index refers to the number of years of payment for calculating the average contribution index, which is a ratio of the average salary, and the more familiar name is the payment grade. If we always pay at 60 per cent, the average contribution index is 0.6.
Personal pension mainly consists of two parts: basic pension and personal account pension.
1. The basic pension is mainly linked to the payment period and the average salary of the payment base.
Among them, the payment of endowment insurance is divided into different payment bases, 60% ~ 300% are free to choose, if according to the 60% base payment for 12 months, the basic pension can receive 0.8% of the average social wage of the previous year of retirement (or the pension calculation base of the year), if you pay according to the 200% base, the basic pension can receive 1.5% of the average salary, only this part of the treatment is more than doubled.
For example, if the average social wage is 6,000 yuan, after paying according to the 60% base and 200% of the base payment, the basic pension that can be received per month is 48 yuan and 90 yuan respectively.
The balance of the personal account is currently formed at 8 per cent of the contribution base. If it is 60% base, the average salary is 6,000 yuan, and the payment base is 3,600 yuan, then the monthly credit to the personal account is 288 yuan, and the annual payment is 3,456 yuan.
If it is 200% base, the average salary is 6,000 yuan, the payment base is 12,000 yuan, and the monthly entry into the personal account is 960 yuan, and the annual income is 11,520 yuan.
Even if the interest rate of personal account accounting is not considered, assuming retirement at the age of 60, the personal account pension that can be received is 24.87 yuan and 82.88 yuan respectively with 60% and 200% of the contribution base.
The sum of the two parts of the pension is 72.87 yuan and 172.88 yuan respectively, and according to the calculation of 15 years, you can receive a pension of 1093 yuan and 2593 yuan respectively. The amount of money paid by the 200% basic payment is more than three times that of the 60% base payment, so it is normal for the gap to be large.
.03
People retire differently
Many people may not be aware of this phenomenon, the earlier you retire, the higher the pension treatment. In accordance with the provisions of the Social Insurance Law, we will increase the pension level of retirees every year in accordance with the average social wage and the increase in prices.
In order to be fair, when the state adjusts the growth of pensions, it actually follows the principle of three combinations, including the implementation of the combination of fixed adjustment, linked adjustment and tilt adjustment.
If the old man retired ten years ago, he may only receive six or seven hundred yuan for the pension, but ten years later, after the increase of the pension, it is normal to be able to get 2,000 yuan per month.
However, those who have just retired after ten years and have paid for 15 years can only receive a monthly pension of about 1,000 yuan. This model actually embodies the principle of caring for the elderly with lower pensions.
.04
Whether there is a deemed contribution period also has an impact
The so-called deemed payment period refers to the continuous length of service or continuous working years in accordance with the relevant national policies before the employee or individual insured person should actually pay the basic pension fee according to the regulations.
The reason why there is a deemed payment period is because before the establishment of the basic pension system in the mainland, the employees of mainland enterprises implemented the enterprise pension system, and individuals did not need to pay by themselves, but had actual working years.
Therefore, this part of the people who have participated in the work before the establishment of the pension system have the deemed payment period, and this part of the deemed payment period can be counted as the actual payment period and calculated in the payment period.
According to the pension calculation formula of retirees in Shandong Province, if the deemed payment period is 10 years, the retirement pension will be increased by an additional 1,000 yuan, which is almost no problem.
Therefore, do not misunderstand the pension as only linked to the number of years of payment, in fact, there are many comprehensive factors that will affect the level of pension treatment!
Wan Ziwen said: Every word of the article was typed out by me, and I clicked "watching" to let me know that you are also "doing your best" for life.
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