What should I do if the pension is merged in the middle people of government institutions and in

What should I do if I pay insurance??? Immature.

Calculate the pension according to the pension calculation and payment method.

It will not have a serious impact on the treatment of retirees in public institutions, but will help to improve the treatment of subsequent pensioners, and help to bring more positive help to the follow-up pension life.

It does not have much impact on the pension of retirees in public institutions, and it may be a benefit to those who retire in enterprises.

It has no impact on the retirees of our institutions, because the state has introduced a new policy to ensure that the pension benefits of retirees will not be reduced.

The middle-aged people in government organs and institutions are now implementing the transitional period method, adopting a combination of the old and new retirement methods, and gradually transitioning to calculating the pension according to the pension insurance, which has already been implemented, and how much they can receive.

According to my salary before the end of September 2014, the length of service and so on, after October 2014, according to the payment of pension insurance, that is, the combination of methods, everyone is not the same, the transition method will not reduce the pension received, let alone die.

After the pension is merged, the personnel of government agencies and institutions should apply for receiving pensions when they meet the conditions for receiving pensions. If the personnel of government agencies and institutions reach the retirement age, they can go through the retirement procedures in accordance with the law; If you have paid contributions for 15 years (including the deemed contribution period), you can apply for a monthly pension.

Legal basis] Article 16 of the Social Insurance Law of the People's Republic of China.

Individuals who participate in the basic pension insurance and have paid contributions for 15 years when they reach the statutory retirement age shall receive the basic pension on a monthly basis.

Individuals who participate in the basic endowment insurance and have paid contributions for less than 15 years when they reach the statutory retirement age can pay for 15 years and receive the basic pension on a monthly basis; It can also be transferred to the new rural social pension insurance or urban residents' social pension insurance, and enjoy the corresponding pension insurance treatment in accordance with the regulations.

Article 27.

Individuals who participate in the basic medical insurance for employees, when they reach the statutory retirement age of Qiaotong, the cumulative payment reaches the number of years specified by the state, and the basic medical insurance premiums will not be paid after retirement, and they will enjoy the basic medical insurance treatment in accordance with the provisions of the state; If the number of years prescribed by the state has not been reached, the fee can be paid until the number of years prescribed by the state.

Before October 2014, the pension of government institutions and institutions are calculated according to the individual's salary and seniority, in general, the pension replacement rate can reach more than 70%, and some retirees can even reach more than 90% of the pension replacement rate, the pension replacement rate of enterprise retirees is only 40%-60%, the gap between the two can be imagined.

Since October 2014, the pension insurance system of government institutions has begun to reform, and the pension has also been merged, but after the pension merger, the pension of government institutions and institutions has been higher, what is going on?

1. It is deemed that the payment period is long.

For the current retirees, although the pension is determined in accordance with the comparison of the old and new methods, but when calculated according to the new methods, the deemed payment period of the retired people is relatively long, and because the transitional coefficient in most areas is higher than the calculation coefficient of the basic pension, so many retired people's transitional pension is higher than the basic pension, and the two add up, resulting in the pension of the retired person is also relatively high.

And in the case of a longer period of deemed payment, the payment period calculated according to the new method is also relatively long, for example, the length of service of the retired person is 39 years, and in the case of the deemed payment period of 31 years, the payment period of the basic pension and the transitional pension can reach 70 years, even if the pension is only 100 yuan per full year, then the pension can reach 7,000 yuan when the payment period is calculated to 70 years, so the pension of the retired person will be so high.

2. There is a policy of "controlling the high and keeping the low".

In the 10-year transition period for the retirement of the middle-aged people, the pension is calculated in accordance with the comparison of the old and new methods, and in order to ensure that the pension of retirees is not reduced, the state has also set up a beam limb "control the high and keep the low" policy, in this case, the pension of the retired person will only be higher than the previous one, and not lower than the previous one, if it is lower than the previous one, then the pension will also have a "low policy".

3. Occupational annuity.

Since October 2014, government agencies and institutions have paid occupational pensions for on-the-job employees, and according to the payment base of on-the-job employees, the occupational pensions of most employees are relatively high.

For example, a fan friend who recently consulted me about it, as of the end of December 2021, the balance of his occupational annuity personal account has reached 100,000 yuan, and counting the past few months in 2022, it can be said that the balance of the occupational annuity personal account of most on-the-job employees is about 100,000 yuan, which after they retire, only the treatment of occupational annuity will not be too low.

To summarize the above three aspects, the pension of government institutions is higher than before, which is also a normal situation, after all, the economic level of various places is developing, and when the pension is calculated in the new way, the retirement treatment is of course higher year by year.