There are differences between the pension of ordinary employees and the pension of civil servants in many aspects, and these differences are mainly reflected in the calculation method, the level of benefits, the adjustment mechanism and the composition of policy benefits. Let me give you a general introduction and give some hypothetical examples.
Calculation method of pension insurance for ordinary employees:
The retirement pension is mainly calculated based on factors such as the pension insurance premiums paid by the individual, the number of years of payment, and the cumulative amount of the personal account.
The specific calculation method may vary depending on the region and policy, but it usually includes two parts: basic pension and personal account pension.
Calculation method of pension insurance for civil servants:
Calculated in accordance with the relevant provisions of the Civil Service Law of the People's Republic of China.
It is usually related to factors such as the number of years of service, the level of the position, and the level of salary. Specifically, in the calculation of the pension of civil servants, the salary of the position and the salary of the rank are calculated and paid according to a certain proportion, and the basic salary and the salary of seniority are calculated and paid at 100% of the original salary.
Ordinary employee treatment level:
Pension benefits are mainly determined based on the amount of pension insurance contributions paid by individuals and the cumulative amount of personal accounts, and the level of benefits is usually relatively low.
With the continuous improvement and reform of the pension insurance system, the pension benefits of ordinary employees are also gradually increasing, but there is still a certain gap compared with civil servants on the whole.
Level of remuneration for civil servants:
Due to the nature and characteristics of the work of civil servants, their pension benefits are usually relatively high.
In addition to the basic pension, civil servants may also enjoy regional allowances, defare allowances, living allowances and various welfare benefits, which will help to improve the retirement living standards of civil servants.
We can assume a case
Xiao Wang, an ordinary worker, works in a second-tier city
Pre-retirement salary: 5,000 yuan/month
Payment period: 35 years
Contribution base: 60% of the average local social wage
Retirement age: 60 years old
Xiao Li, a civil servant, works in the same second-tier city
Pre-retirement salary: 5,000 yuan/month (assuming the same as Xiao Wang, but in practice, it may be higher due to factors such as position and level)
Years of service: 35 years
Contribution base: pay in full according to the actual salary
Retirement age: 60 years old
Simplify the calculation of your pension
Ordinary worker Xiao Wang:
Basic pension: Assuming that the local average social wage in the previous year is 6,000 yuan, and Xiao Wang's payment base is 60%, that is, 3,600 yuan, the basic pension is about:
基础养老金 = 6000 \times (1 + 0.6) \div 2 \times 35% \approx 1680元/月
Personal account pension: Assuming that the cumulative storage amount of Xiao Wang's personal account is 100,000 yuan (the actual calculation needs to consider factors such as the payment base and interest rate over the years), the personal account pension is about:
Personal account pension = 100,000 \div 139 \approx 719.42 yuan/month
Total Pension:
Total pension = basic pension + personal account pension = 1680 + 719.42 = 2399.42 yuan/month
Civil servant Xiao Li:
Pension: The calculation of a civil servant's pension involves a number of factors, including job salary, grade salary, seniority salary, etc., and usually includes certain government subsidies and occupational pensions, so it is difficult to calculate the specific amount accurately. However, in general, the pension of civil servants will be higher than that of employees of enterprises with the same level of salary. Assuming that Li's pension is calculated at 90% of his pre-retirement salary (the actual proportion may vary by region and policy), then:
Pension = 5000 \times 90% = 4500 yuan/month
This figure is an example only, and the actual pension may be higher or lower.
Differential Analysis
In this example, the total pension of ordinary employee Xiao Wang after retirement is about 2,400 yuan/month, while the pension of civil servant Xiao Li is as high as 4,500 yuan/month. The gap between the two reached about 2,100 yuan/month.
This gap is mainly due to the difference between the two in the pension insurance system. Civil servants' pension insurance systems are generally more generous, including a higher contribution base, longer payment periods, richer welfare benefits, and possibly occupational pensions.
Adjustment Mechanism for Ordinary Employees:
The adjustment of retirement pension mainly depends on the adjustment and improvement of the pension insurance system, as well as the investment income of personal accounts and other factors.
With the development of the country's economy and the change of prices, the pension of ordinary employees will also be adjusted accordingly, but the magnitude and frequency of adjustment may vary from region to region and policy.
Civil Service Adjustment Mechanism:
The pension adjustment mechanism is more flexible, and it is usually adjusted accordingly with the adjustment of national policies.
For example, timely adjustments are made according to the country's economic development status, price level and other factors to ensure that the retirement living standards of civil servants are not affected.
There are also some other factors: for example, the deemed contribution periodFor some civil servants (especially those who joined the work and retired before 2014), the pension calculation also includes the part of the deemed contribution period, which is not available to ordinary employees.
Occupational pension: In addition to the basic pension, civil servants can also receive occupational pension after retirement, which is also an important factor in improving the retirement benefits of civil servants. Ordinary employees, on the other hand, may not be able to enjoy the occupational pension system.
To sum up, the gap between the pension insurance for ordinary employees and the pension insurance for civil servants after retirement is multifaceted, including the calculation method, treatment level and adjustment mechanism. These gaps are mainly due to differences in the design intentions of the two systems, the targets of protection, and the sources of funding. It should be noted that with the continuous improvement and reform of the pension insurance system, these gaps may also gradually narrow.