Our pension insurance system implements the principle of paying more and paying more for a long time. As far as the pension is concerned, as long as it is not a special circumstance, it is generally after 15 years of payment, pay an extra month of pension insurance, and you can receive an extra part of the pension, and the pension is cumulatively calculated. What's going on? Let's do the math and take a look.
The formula for calculating the pension.
Our pension is generally called the basic pension, according to the national development document No. 38 issued by the state in 2005, the calculation formula mainly includes the basic pension and personal account pension two parts.
To put it simply, the formula for calculating the basic pension is equal to:
The average social salary of the previous year of retirement or the pension calculation base of the current year × (1 + average contribution index) ÷ 2× the payment period ×1%.
The formula for calculating the personal account pension is equal to:
The balance of the pension insurance personal account ÷ the number of months determined by the retirement age.
Why do you pay an extra month and receive an extra part of your pension?
First, let's take a look at the basic pension section.
Assuming that the average contribution index is 1 and the contribution is made for 15 years, 15% of the pension calculation base can be received according to the calculation formula.
If the payment period is 16 years, the result of the calculation is 16% of the pension calculation base. If it is more concrete, the payment period is 15.0833 years (15 years and 01 months), and you can receive 15.0833% of the pension calculation base.
If the pension calculation base is 6,000 yuan, multiplied by 0.0833%, the result is 5 yuan. That is to say, pay an extra month of 100% grade pension insurance, in the case of a base of 6,000 yuan, the basic pension can receive an additional 5 yuan. Two months is 10 yuan, and 10 months is 50 yuan.
So, the values are really cumulative.
Some people may be concerned about whether the change in payment level will have an effect? The answer is no.
In the past 15 years, the payment was made according to 100% grade, so the average payment index was 1 (the upper and lower limits of the payment base from January 1 to December 31 every year were used in the same situation, such as Beijing, Shanghai and other places are converted on July 1, so it may be less than 1). If the last year is paid at 300%, the average contribution index will become (15×100% + 1×300%)÷16, which is 1.125.
In the case of an average contribution index of 1.125, you can receive 17% of the average salary (or pension calculation base) of the previous year of retirement if you pay the basic pension for 16 years. 2% more pension calculation base than the original calculation result.
In fact, if we calculate 300% of the contribution for one year separately, the basic pension also happens to be 2% of the pension calculation base.
Therefore, regardless of whether the payment level is changed, the basic pension of subsequent contributions has no impact on the previous payment.
Second, take a look at the pension part of the personal account.
The personal account pension is very simple, because every month we pay, the pension insurance personal account will accumulate a sum of money, and the specific amount of money is credited according to 8% of the payment base. This amount of money can actually be calculated independently, and has nothing to do with previous payments and accumulation.
For example, if you pay according to the base of 10,000 yuan, 800 yuan will be credited to your personal account every month you pay. The 800 yuan starts to calculate interest from the moment it is deposited into the personal account. When you retire to calculate the pension in your personal account, it is good to divide it by the number of months determined by the retirement age.
If you retire at the age of 50, the number of months is 195 months. Assuming that the interest is 200 yuan, so that if you pay for one more month, the extra personal account pension will be (800 yuan plus 200 yuan) divided by 195 months, about 5 yuan per month.
To sum up, in the case of only a basic pension and a personal account pension, it is true that you can pay an extra month and receive a little more pension, there is no doubt about it. #头条创作挑战赛##养老金小知识#