Today, a friend said that he was just 60 years old in April, went through the retirement procedures, 40 years of service, and a monthly pension of 3,500 yuan. In this case, how much pension can I get in total after retirement?
According to the 2022 Statistical Communiqué on the Development of Human Resources and Social Security, at the end of 2022, there were 136.44 million retirees in mainland China, and the annual pension insurance fund expenditure was 5,903.5 billion yuan. Divide the expenditure by the number of people, and the average treatment is 3,606 yuan.
In fact, due to the fact that the number of retirees is increasing, but also considering the funeral expenses, pensions, subsidies and other treatments, the actual monthly pension can be about 3,500 yuan, which is above the average level.
With 3,500 yuan per month, how much pension can you get on average in this life?
Life expectancy.
First, let's look at life expectancy. The average life expectancy we usually see generally refers to the average life expectancy of a newborn in that year.
The life expectancy of newborns in mainland China was 77.93 years in 2020 and 78.2 years in 2021. At this rate of growth, the life expectancy of newborns in 2024 will be 79 years.
In fact, if the average life expectancy is 79 years, the life expectancy of people who retire at the age of 60 will be about 25 years. After all, people who can reach the age of 60 have already passed a lot of risk periods, so they have to live 5 to 6 years longer than the average life expectancy.
Of course, if the average period of 25 years continues, it will encounter an increase in life expectancy, so the life expectancy will be extended, which is a complex cyclical process. Therefore, for the sake of simplicity, it is assumed that the average life expectancy will not increase in the future, and will remain at the level of 79 years.
However, we have to distinguish between the life expectancy of men and women, the life expectancy of men is generally 5~6 years shorter than that of women, and 2~3 years shorter than the average life expectancy. The reason for this is reflected in the natural sex ratio at birth.
Generally, men retire at the age of 60. According to the above rules, it is expected to receive a pension for about 22 years.
The law of growth of pensions.
Pensions for retirees have been increasing since 2005, but the rate of growth is slowing down. In recent years, the growth rate of pensions has gradually decreased from 10% in the past to 3.8%, and it is expected to decline further in the future.
The adjustment of the pension is mainly carried out through the fixed amount adjustment, the linked adjustment, and the appropriate tilt. Not everyone increases in the same proportion, but generally speaking, when the length of service and wages reach the average, the increase is more or less average.
Assuming that the retirement pension grows at a rate of 3% per year, a monthly pension of 3,500 yuan (that is, 42,000 yuan per year) can be calculated according to the sum formula of the proportional series, and a total of 1,282,500 yuan can be received in 22 years.
Benefits other than pensions.
In fact, in addition to receiving a basic pension every month, retirees may also have local subsidies or subsidies in various places. For example, some retirees in Qingdao will have open city subsidies, price subsidies, housing subsidies, water and electricity subsidies, etc., of course, the total of these subsidies is only a few tens of yuan per month. The more considerable treatment is 1,700 yuan per year in Shandong Province. Winter heating subsidies, like Ningxia Autonomous Region, can reach up to 4,563 yuan.
In addition, if the insured person receives a pension for 22 years, the funeral allowance and the survivor's pension after the death of the insured person are the monthly per capita disposable income of urban residents in the province where the death is located for 11 months. The funeral subsidy and survivor pension standards for the basic pension insurance participants of enterprise employees who will die in 2024 are as follows:
In the future, residents' incomes will continue to rise, and relevant benefits will be improved. After 22 years, the relevant treatment can at least receive 70,000 or 80,000 yuan.
Therefore, based on the above treatments, the monthly pension is 3,500 yuan, and the average male is expected to receive a pension of 1.3 or 400 million yuan. #头条创作挑战赛##养老金知识小百科#