Summary:
The payment period has increased by 22 months, the pension has increased by 408.66 yuan per month, and the retirees will receive pensions from July 2022, and the difference between the 28 months will be 11,592.48 yuan.
This article explains in detail the items related to the above difference and the calculation process of the difference, please care about how the pension will change after the retirement age is extended; Please check out the friends who care about the calculation of pensions.
A video demonstration of the calculation process is attached.
First, the basic situation
1. Shandong teacher Lao Liang, born in June 1962, joined the work in September 1985, retired with a senior title in middle school, a fifth-level position in deputy high school, and a salary scale of 43, and retired in June 2022.
At the time of retirement, it was found that the working time listed in the calculation was July 1987, and it was later learned after consultation that for some reason, the length of service (22 months) of nearly two years had been reduced, and for the convenience of the pension calculation system, the 22 months subtracted were deducted from the time of the start of the work, that is, the actual working time of September 1985 was changed to July 1987 of the calculation and publication.
2. Mr. Liang's deemed payment index is 1.8813, the actual payment index is 1.8731, and the average payment index is 1.8795;
3. The deemed payment period originally announced is 27.25 years, the actual payment period is 7.75 years, and the cumulative payment period is 35 years.
4. At the time of retirement, the total pension storage in the personal account is 76,432.97 yuan, and the total storage in the occupational annuity account is 104,719.14 yuan.
The original pension calculated based on the above data is shown in Part II below.
5. After inquiring about the relevant documents and policies, and with the consent of the Human Resources and Social Security Bureau, the 22-month service experience that had been deducted was restored, and the working hours were restored to September 1985. Details of the new pension and retroactive pension calculated on the basis of the date of participation in September 1985 are shown in section III below.
2. The calculation of the pension published in the original plan
1. Deemed payment period
= ((Year of payment - Year of participation) ×12 + Month of payment - Month of participation)÷12
=((2014-1987)×12+10-7)÷12
=327÷12
= 27.25 years
2. The actual payment period
= ((Retirement year - Contribution start year) ×12 + Retirement month - Contribution start month + 1) ÷12
=((2022-2014)×12+6-10+1)÷12
=93÷12
= 7.75 years
3. Cumulative payment period
= ((Retirement year - Working year) ×12 + Retirement month - Working month + 1) ÷12
=((2022-1987)×12+6-7+1)÷12
=420÷12
= 35 years
4. Average contribution index
= (Deemed Payment Index× Deemed Payment Period + Actual Payment Index ×Actual Payment Period) ÷ Cumulative Payment Period
=(1.8813×27.25+1.8731×7.75)÷35
=65.78195÷35
≈1.879484
≈1.8795
5. The original basic pension
= Calculation base × (1 + average payment index of the person) ÷2× cumulative payment period × the proportion of payment for every 1 year of payment
=7182.5×(1+1.8795)÷2×35×1%
≈ 3619.35 yuan
6. The original transitional pension
= Calculation and issuance base× deemed contribution index× deemed payment period× transition coefficient
=7182.5×1.8813×27.25×1.3%
≈ 4786.78 yuan
7. Personal account pension = 549.88 yuan
8. Occupational annuity = 753.38 yuan
9. The total pension of the new method
= original basic pension + original transitional pension + personal account pension + occupational annuity
=3619.35+4786.78+549.88+753.38
= 9709.39 yuan
10. The old pension = 7359.96 yuan
Note: Because the calculation of personal account pension, occupational annuity and pension under the old method has nothing to do with the change of pension after the modification discussed in this article is deemed to be the same as the payment period, the calculation process will not be explained in detail. The same applies hereinafter.
11. The pension of the new method is higher than that of the old method
=9709.39-7359.96
= 2349.43 yuan.
12. In 2022, 80% of the excess between the new and old will be issued to retirees
=2349.43×80%
=1879.544
≈ 1879.54 yuan
Here, the new method pension was reduced by 2349.43-1879.54 = 468.89 yuan, which was reduced by 468.89 yuan, the relevant documents of Shandong Province stipulate that the basic pension from the basic pension is reduced, so the basic pension found by retirees in "Ai Shandong" is not 3619.35 yuan on the "Ji Published", but the basic pension of 3150.46 yuan after subtracting 468.89 yuan. Please pay attention to your pension friends to "Love Shandong" to check their pension. For details, please refer to my article "How to check your retirement benefits on the Aishan Shandong Mini Program" on October 15, 2024.
13. The total amount of the actual monthly pension was originally announced
= The old way pension + the old and new comparison is issued part
=7359.96+1879.54
= 9239.5 yuan.
See the diagram below
3. The new pension after adjusting the working hours
As we all know, the impact of the contribution period on the pension only involves the basic pension and the transitional pension. And if the adjusted contribution period is after October 2014, only the basic pension is involved.
Therefore, the following calculation only needs to recalculate the basic pension and transitional pension, and related parameters.
1. Deemed payment period
= ((Year of payment - Year of participation) ×12 + Month of payment - Month of participation)÷12
=((2014-1985)×12+10-9)÷12
=349÷12
≈29.08
2. Cumulative payment period
= ((Retirement year - Working year) ×12 + Retirement month - Working month + 1) ÷12
=((2022-1985)×12+6-9+1)÷12
=442÷12
≈36.83
3. My average contribution index
= (Deemed Payment Index× Deemed Payment Period + Actual Payment Index ×Actual Payment Period) ÷ Cumulative Payment Period
=(1.8813×29.08+1.8731×7.75)÷36.83
=69.224729÷36.83
≈1.8795748
≈1.8796
4. The new basic pension after adjusting the payment period
= Calculation base × (1 + average payment index of the person) ÷2× cumulative payment period × the proportion of payment for every 1 year of payment
=7182.5×(1+1.8796)÷2×36.83×1%
≈ 3808.72 yuan
5. New transitional pensions
= Calculation and issuance base× deemed contribution index× deemed payment period× transition coefficient
=7182.5×1.8813×29.08×1.3%
≈ 5108.24 yuan
The pension calculation after adjusting the contribution period is published
6. After the adjustment of the period, the basic pension of the new method will be increased
= New basic pension + new transitional pension - original basic pension - original transitional pension
=3808.72+5108.24-3619.35-4786.78
= 510.83 yuan
7. During the transition period of 2022, 80% will be issued
= 80% increase in part×
=510.83×80%
≈ 408.66 yuan
That is, after adjusting and resuming the 22-month payment period, the monthly pension increased by 408.66 yuan.
3. How much pension can be paid in 28 months
The retroactive pension is not a simple calculation of the 408.66 yuan that increases each month, directly multiplied by 28 months. It should also be added the part that was added when adjusting the increase in pensions for 2023 and 2024. The detailed calculation process is as follows:
1. Increased pension in 2022
= The number of months after the adjustment and restoration of the 22-month payment period, the monthly pension will be increased × the number of months of repayment
=408.66×6
= 2451.96 yuan
Here, Mr. Liang retired in June and began to receive a pension in July, and a total of 6 months need to be repaid.
2. Increased pension in 2023
= (monthly pension increase after adjusting and resuming 22 months of payment period + adjustment increase in 2023) × number of months of repayment
=(408.66+408.66×1.25%)×12
=(408.66+5.10825)×12
≈(408.66+5)×12
=413.66×12
= 4963.92 yuan
Over here:
A. In 2023, when Shandong Province adjusts the basic pension of retirees, the increase ratio linked to the basic pension base of the previous year is 1.25%.
B, because Shandong Province adjusted the basic pension, the decimal part of the fraction into one to the whole number, the original mantissa has been rounded into one, so the current 5.10825 yuan of 0.10825 yuan directly rounded off, take the integer part of 5 yuan.
3. Increased pension in 2024
= (Monthly pension increase after adjusting and resuming the 22-month payment period + 2023 adjustment increase + 2024) The number of months × reissue for the annual adjustment increase
=(408.66+5+(408.66+5)×0.9%)×10
=(413.66+3.72294)×10
≈(413.66+4)×10
=417.66×10
= 4176.6 yuan
Over here:
A. In 2024, when Shandong Province adjusts the basic pension of retirees, the increase in the basic pension base linked to the previous year is 0.9%.
B, because Shandong Province adjusts the basic pension, the decimal part is divided into one to the whole amount, in 2024, the pension increased by the original base adjustment is 149 yuan, the pension increased by the adjustment payment period is 153 yuan, and the pension is increased by 4 yuan after the adjustment of the payment period.
4. A total of 28 months of pension increase
= Increase in pension in 2022 + increase in pension in 2023 + increase in pension in 2024
=2451.96+4963.92+4176.6
= 11592.48 yuan.
28 months total increase pension details:
Adjustment and increase of basic pension over the years:
This article is rewritten according to relevant cases, and the relevant data has been verified and accurate by examples, but in order to avoid suspicion that it is not an actual case, it is only for the reference of friends who need relevant information. It is hereby declared.
The process of re-checking the calculation of the adjustment pension is particularly complex and cumbersome. The workload of staff is very high, and it is easy to miss and make mistakes in individual data. If you have any questions, you will be asked to understand the work of the staff and consult patiently, so that you can relieve your own doubts. The author wrote this article for the purpose of popularizing relevant knowledge and helping readers and friends to understand the relevant policies, so as to eliminate their doubts about pensions.
If it is inappropriate, please criticize and correct it. Thank you for reading and thank you for your advice.
A video demonstration of the calculation process is also attached:
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