Generally speaking, retirement in the same region under the same conditions, one year earlier and one year later, there is little difference in pension levels.
Let's first look at the conditions: the payment period and the deemed payment period are 31 years, the payment level is 60% (the average payment index is 0.6), and the balance of the personal account is 30,000 yuan.
The transitional pension calculation formula uses the pension calculation formula of Hebei Province, and the payment and deemed contribution period before the establishment of an individual's account are calculated according to five years.
First of all, look at the basic pension, mainly related to the average contribution index, the average social wage in the previous year of retirement, the payment period of three factors, through the formula can be calculated to know that the average payment index of 0.6, 31 years of working age can receive 24.8% of the retirement of the previous year's average social wage.
The average social wage in the previous year of retirement has generally been changed to the pension calculation base. In 2020, Hebei Province is 6261 yuan, and the calculated result is about 1550 yuan.
This year's pension base has not been announced, if this year's pension base is 6600 yuan, this year's retirement of the basic pension is about 1630 yuan.
Second, personal account pensions. The balance of the individual account equal to retirement divided by the number of months of payment determined by the retirement age, the number of months of retirement at the age of 50 is 195 months, and the number of months of retirement at the age of 60 is 139 months.
If you retire at the age of 50, the balance of the personal account of 30,000 yuan can receive a personal account pension of about 154 yuan per month.
In the case of retirement in the second year, the balance of the individual account will also be calculated once with interest. In 2020, the personal account bookkeeping interest rate is 6.04%, and the personal account pension can receive 163 yuan.
Third, transitional pensions. According to the transitional pension calculation formula of Hebei Province, in the case of an average contribution index of 0.6, a transition coefficient of 1.3%, and a 5-year calculation period, you can receive 3.9% of the social equal wage or pension calculation base. Last year he retired 244 yuan, and this year he retired 257 yuan.
The above three parts are added together, last year's retirement can receive 1950 yuan, this year's retirement can receive 2050 yuan, only a difference of 100 yuan.
But if we take into account the 2021 Hebei Retiree Pension Adjustment Plan, what is the result of the change?
According to the pension adjustment plan for retirees in Hebei Province, the basic pension of some retired retirees will be increased by 49 yuan per person per month in 2021. According to the payment period, the basic pension is increased by 1.32 yuan for each year of payment, which can be increased by 40.92 yuan in 31 years. According to the proportion of pension, the basic pension in December of the previous year will be increased by 1.02%, and the 1950 yuan will also increase by about 20 yuan. In total, the basic pension was increased by 110 yuan.
After the adjustment, the pension level of the two elderly people is 2060 yuan and 2050 yuan respectively, the pension gap is only 10 yuan, and the pension is higher than that of early retirement for one year. Relatively speaking, this pension gap is very, very small.
Perhaps this is also the reason why people are generally willing to retire early, after all, they receive a year's pension early. However, the future policy of delaying retirement has not been announced, and there may be better incentives. Moreover, the number of months for the late retirement pension will be smaller, and the above is calculated based on the same number of months, which is not accurate.
If the pension gap between the two retired elderly is very large, the main reason for the pension gap is that the payment base is different from the confirmation of the relevant payment period. Generally speaking, pension insurance is more than pay more, long pay more, if the payment base is high, the payment period is longer, the pension is a few hundred yuan more is a very normal thing.