It is essential to participate in pension insurance contributions for 15 years. However, if we insist on paying for 25 years, compared with 15 years, how much difference can the retirement treatment between the two be?
Basic pension gap.
The pension generated by participating in pension insurance mainly consists of two parts: basic pension and personal account pension.
(1) The basic pension part is equal to the average social salary × (1 + average contribution index of the person) in the previous year of retirement÷ 2× the payment period ×1%.
If the average contribution index is 0.6, you can receive 12% of the average social salary of the previous year of retirement after paying for 15 years. If the contribution period is 25 years, you can receive 20% of the average social salary of the previous year of retirement. Obviously, the difference between the two is 8% of the average social salary of the previous year of retirement.
Of course, if the average contribution index is different, the result will be different. If the average contribution index is 1 and the difference in the number of years of contribution is 10 years, the difference in basic pension is 10% of the average salary.
(2) 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 balance of the personal account is credited monthly at the rate of 8% of the contribution base, and then interest is calculated annually.
In two ideal states, the personal account pension is also proportional to the number of years of payment. One ideal state is that the average wage remains unchanged and the interest on the personal account is not calculated, and the other ideal state is the increase of the average salary, and the growth rate of the interest rate on the personal account is exactly the same as the growth rate of the average social wage.
For example, if we do not consider the interest and the average salary remains the same. According to the base payment of 5,000 yuan, the monthly personal account accumulates 400 yuan, 4,800 yuan a year, and 72,000 yuan can be accumulated after 15 years of payment. If you pay for 25 years, you can accumulate 120,000 yuan in your personal account.
The number of months of issuance in the personal account is 195 months for the age of 50, 170 months for the age of 55, and 139 months for the age of 60.
If they are all retired at the age of 60, the personal account pension for 15 years is 518 yuan, and the payment for 25 years is 864 yuan, and the ratio of the two is 15:25.
Generally speaking, the ratio of pension treatment is almost 15:25 due to the same average salary and the same contribution base in the same place.
But when it comes to retiring from place to place, the difference is quite wide. However, with the advancement of the national overall planning of pension insurance, it is believed that the whole country can achieve the same payment and the same treatment.
Benefits other than the basic pension.
Maybe many people don't take into account that in addition to retirement and pension, we have some other benefits.
For example, if you retire in Shandong Province, you can receive a winter heating subsidy of 1,700 yuan every year. The winter heating subsidy also varies from province to province, with Henan Province receiving 120 yuan per month for four months. Hebei Province is 1240 yuan, 1400 yuan and 1560 yuan. The Ningxia Autonomous Region, which has the highest heating subsidy, even reached 4,563 yuan and 3,120 yuan. In addition, Hangzhou, Shanghai and other areas also have festival fees and other treatments. These retirement subsidy treatments, retirees with the same conditions, the treatment is the same, there is no difference in the number of years of payment.
In the event of the death of the insured person, the family can also receive a funeral grant and a survivor's pension. The funeral subsidy is the same treatment, which is the monthly per capita disposable income of urban residents in the province where the death occurred in the previous year. The survivor's pension is paid for 9~24 months according to the number of years of contribution and the number of months of pension. For example, if you pay for 15 years, you will receive 9 months. Contributions are made for 25 years, and if you die just after retirement, you can receive 19 months. For each year of pension, the number of months of payment is reduced by one month, with a minimum of 9 months. In other words, if you retire for 10 years, the treatment for 15 years and 25 years is the same.
In general, there is indeed a calculating gap between the pension benefits of 15 years of contribution and 25 years of payment, but there are also treatment that are the same for everyone. After paying for 15 years to reach the retirement age, receiving a pension is the minimum legal guarantee given by the state, so it is also the most cost-effective way to participate in insurance. However, if you want a higher pension, you should still pay more and pay for a long time to be able to provide for the elderly more fully. #头条创作挑战赛##养老金小知识#