Know which pension is higher between retirement in the first half of the year and retirement in the

It is basically the same for the same worker.

If an employee reaches the statutory retirement age and has paid contributions for 15 years, he or she shall go through the retirement procedures when he or she reaches the statutory retirement age, and shall receive a basic pension on a monthly basis from the month following the statutory retirement age. If the retirement is extended due to personal reasons, the payment period will not be calculated, and the part of the personal account of the pension insurance premium paid shall be retained. The calculation of the basic pension payment period, the payment wage index, the amount of personal account savings, the retirement age, and the average salary of employees in the overall area of the previous year are the same, the only difference is that the amount of personal account savings in the second half of the year is slightly more.

Therefore, when the statutory retirement age is reached in the first half of the year, the basic pension received is basically the same when the retirement is handled in the second half of the year and the retirement is handled in the first half of the year.

Social Insurance Act

Article 15 The basic pension consists of a pooled pension and a personal account pension.

The basic pension is determined according to factors such as the cumulative number of years of individual contributions, the contribution salary, the average salary of local employees, the amount of personal accounts, and the average life expectancy of the urban population.

Whether the pension of the person who has deferred the retirement procedure can be repaid

December 17, 2015.

When an employee reaches the normal retirement age, the employer shall go through the retirement procedures for the employee in a timely manner. For those who postpone the retirement formalities for various reasons, they shall be handled in the following ways:

1) For those who have reached the normal retirement age and have been approved to extend their retirement, the time of postponement shall be calculated as the actual payment period, and the benefits will be calculated and paid from the next month after the retirement period.

2) If the retirement is postponed due to the reasons of the unit when the normal retirement age is reached, the personal account shall continue to be recorded, but the extension time shall not be counted as the payment period, and the labor and social security department shall approve the retirement according to the retirement age when it reaches the normal retirement age, and the benefits shall be calculated and paid from the next month after the retirement procedures. If there is an adjustment of benefits during the period from the normal retirement age to the approved retirement, the social insurance agency shall adjust the standard according to the regulations, and the basic pension shall be calculated and paid according to the increased standard, and shall not be repaid. During the period from the normal retirement age to the approved retirement period, the employee's salary or living expenses are lower than the basic pension standard, and the difference shall be made up by the unit.

The intermediary agencies that keep the archives are also subject to the above provisions.

3) If the retirement is postponed due to the reasons of the labor and social security department, the retirement shall be approved when the normal retirement age is reached, and the benefits shall be calculated and paid from the next month after the normal retirement age is reached. If there is an adjustment of benefits during the deferred retirement period, the social insurance agency shall adjust the standard according to the regulations and pay the adjusted basic pension.

In fact, for the issue of retirement time, you must handle it according to your statutory retirement age, do not deliberately choose the time to retire, otherwise you will lose a sum of money, these two have a certain time difference and nothing else.

As of today, there are no new retirement rules. The amount of pension you can get depends on the number of years you have paid, the level of annual contributions, the amount of personal account and interest, and the level of the local average salary in the previous year at the time of retirement, and other factors, which have little to do with the length of service.

There is not much difference, that is, a few more months, and the pension for retirement in the second half of the year may be a few more dollars.

Unless the year happens to span the year. For example, if you retire in the first half of the year for only 24 and a half years, and you will be 25 years old in August in the second half of the year, then it is most cost-effective to choose 25 years of retirement in August, and you will be in a 5-year range. There is not much difference between the less than 5-year-old stalls.

For this problem, we must first be clear that the factors that determine the level of pension treatment are: the number of years of payment, the payment base, the average salary of the local society and the amount of personal accounts. Thinking about it, it was found that because the calculation of the pension is generally based on the average local social wage of the previous year, and the time when the average local social wage is announced is generally in the middle of the year or the second half of the year, therefore, in the actual operation of some places, there is a difference between retirement in the first half of the year and the second half of the year.

I am from Jiangxi and retired in April 2019, and I have not increased my salary this year. I don't know why?

I will retire in November in the second half of the year, how do I count it?

Same. Many people will think that they will get more pension when they retire in the second half of the year than they will get in the first half of the year. But in fact, according to the careful verification of the human resources and social security department, the pension they receive when they retire in the first half of the year is the same as that in the second half of the year.

I saw an example before, this is two people who entered the public at the same time, of course, their age is also the same, the difference is that Zhang San was born in the first half of the year, and Li Si was born in the first half of the year, so after reaching the retirement age, Zhang San retired in the first half of the year, then Li Si retired in the second half of the year. After their comparison, Zhang San began to receive a pension in May, while Li Si only started to receive a pension in September. On the surface alone, we can be sure that Zhang San's pension will be part more than Li Si's.

But that's not the case. According to the regulations, if they retire in the first half of the year, then the pension will be subsidized after that, so that whether they retire in the first half of the year or retire in the second half of the year, the pension they receive is the same.

Therefore, some people who retired in the first half of the year do not have to delay retirement for more because they think that their pensions are different. This is not necessary, and in the end the pension is the same, so why spend time and energy on it? However, for some special circumstances, such as if you are particularly passionate about this career and want to continue to work in your position, if you have to stay until the second half of the year, it is also allowed.

Not to mention that now the state has extended the number of years of retirement age. With the continuous progress of society, people's health has also reached a certain level, and the average life expectancy has also increased, so the extension of the retirement age is to allow this group of people to continue to struggle, but if you really don't want to work, of course, you can retire early, and enjoy the comfort, relaxation and pleasure of not working in advance. Enjoy your old age early and do some things you love, such as participating in senior club activities, taking some trips, dance training, etc.

These are the same reasons for retirement time.

It is good to retire in the first half of the year, because at this time you can deal with the debts of the previous year, all of them are sorted out, and the staff are there, there will be no delay and it can be completed quickly, if it is dealt with in the second half of the year, it will affect the process because of the time difference between the New Year.

It will be better to retire in the second half of the year, because if you retire in the second half of the year, you will be given an extra year of service, and after retirement, you will usher in the Spring Festival.

It's better to retire in the second half of the year, so that your life will become very comfortable, and you can go to some favorite places in your life, and you can welcome a lot of festivals. You can have a good New Year.

To be precise, the second half of the year is good, because the personal account balance is large and the working experience is long.

Stop talking nonsense! If you were born in the first half of the year, you will retire in the first half of the year, and if you are born in the second half of the year, you will retire in the second half of the year, this is not a transfer of personal will, if you are born in January, you have to wait until the second half of the year, unless the human resources and social security department is opened by your family!

It is best to retire in October. The pension began in November, and it was only received for two months that year, and the pension was increased after the new year.

Of course, the first half of the year is good, but the birthday can't be changed!

It doesn't matter when you retire if you don't lack money. The sooner you retire if you are short of money, the better.

It must be better to retire in the second half of the year.

The retirement age is calculated according to the date of birth of the ID card, and it is not necessary to study the problems in the first half of the year.

As long as he can retire, it doesn't matter if he is in the first half of the year or the second half of the year.

Are you the one who sets the policy? You can withdraw when you want? Look at your ID card, what month is your birthday, and what month is it returned! Not even a day! What else is the first half of the year, the second half of the year!

Whether to retire in the first half of the year or in the second half of the year is not something you can decide but rather your birthday, since you are not sure what is the point of discussing this topic?

It's all the same, it's yours, and the country won't lose a single point to you.

It must have never been retired, and no matter how many months you retire in the first half of the year, you have to wait for the average salary to come out, and you are calculating the retirement salary of retirees.

Funny people's Q&A, retirement is completely determined by the month of your birth, is it up to you? Do you want to be refunded in the previous year and can be postponed to the next year? Mention some brainless things to ask, isn't it too boring to be idle?

This is a nonsense and boring question, when to retire can be decided? Pull!

Is this good or not? It's not up to you to decide when you want to return. You have to accept it whether it's good or not. Stop posting this boring stuff. Bother.

When you reach the age, you have to retreat, and no one can change it. When to return the cost-effective is not up to yourself.

Regardless of which one you say or not, it's good to quit anyway!

You are stupid, you can go up or down if you want, and as of the date of birth, you will retire.

It seems that you can retire when you want? That's not how the state is planned.

If it's a civil servant, it's best not to retire!

When to retire, according to the national policy. Don't you want to return when you want?!

Is it better to retire in the first half of the year or in the second half of the year? On-the-job salary increases tend to be in the second half of the year. In fact, whether you retire in the first half of the year, or retire in the second half of the year, we don't depend on how you choose, we depend on your statutory retirement age, for example, your birth date is March, then we should choose to declare retirement in March and enjoy the pension treatment in April.

This situation must be retired in the first half of the year, if your birthday is not in March but in September, then you can't apply for retirement in March, because you have to apply for retirement according to your own legal retirement age just 60 years old, or for women to reach 55 years old, you can apply for retirement, and for me to apply for retirement for the first time is very beneficial to yourself, because you can enjoy the pension treatment for the first time.

If you are an individual who retired in the first half of the year, then you want to choose to retire in the second half of the year, in this case, the result is that you can not enjoy the pension treatment for the first time, for example, you can receive the pension in April, but you have to retire in September, so your pension treatment can not be received normally in the middle of 5 months, so for you will lose 5 months of pension, assuming that your pension is 3000 yuan a month, These five months are equivalent to 15,000 yuan.

The retirement time can not be decided by the person, it depends on the date of birth identified in the file, if you have to choose according to the first half of the year, you can only say that it is better to retire early.

1.Individuals cannot decide when to retire According to the current policy, the retirement process needs to reach the statutory retirement age. Specifically, it is necessary to determine the date of birth in the file first, and then calculate the specific retirement time through the date of birth.

Therefore, if the date of birth is determined to be the month, you can only retire in a few months, and there is no other choice.

2.The difference between retirement in the first and second half of the year is taken as an example in 2020, if the retirement procedures are handled in the first half of the year, the standard for approving pension insurance is the average local social wage in 2018; If the retirement procedures are completed in the second half of the year, the average local social wage in 2019 will be calculated. The specific reason is that the average social wage of the previous year is updated only around June every year, and those who retire in the first half of the year will also be re-approved after June to make up the difference.

So, there's basically no big difference.

3.Retirement is not only to receive a pension, there are many other links to reach the legal age, go through retirement procedures, not only can you receive a pension every month, but also can withdraw the balance of the provident fund account and the enterprise annuity (occupational annuity) account, from the perspective of financial management and stability, although the money is in your own account, but only when you mention your own hands can it be regarded as a pocket, and from the perspective of consumption growth and housing price growth, the sooner you get the money, the more cost-effective it is to spend it.

Is it better to retire in the first half of the year or in the second half of the year, and why? In fact, there is no way to choose this retirement age, because according to the relevant national regulations, as long as you reach the normal statutory retirement age, and ensure that you accumulate more than 15 years of pension insurance payment period, then you can apply for retirement to enjoy the pension treatment, that is to say, in the month when you reach the legal retirement age of 60 years old, the first time to apply for retirement, it is more beneficial for individuals. I'll give you a simple example here, suppose your birthday is January, but you have to choose to retire in July, although you say that you can retire in the second half of the year, maybe retire in the second half of the year, your pension can be calculated in time, and you work in the unit for more than half a year, your salary income will also accumulate the next part, but I think if you don't go to retirement in January, and go to retirement in July, first of all, you mean that you have delayed for 6 months.

Therefore, I personally suggest that my age is what month, then I should apply for retirement in a few months, unless I do not meet the retirement conditions, for example, your cumulative contribution period is less than 15 years, then there is no way, or there is a problem with your statutory retirement age, for example, the real statutory retirement age recorded in the personal file is inconsistent, then it will also lead to the problem of delayed retirement. If you can retire normally, you should apply for retirement as soon as possible, because this is the most beneficial choice for yourself, can not handle retirement normally, then we have no way, but under the condition of being able to retire normally, there is no need to wait until the second half of the year to retire in the first half of the year, although it is not possible to calculate their pension in time, but he will be repaid in the second half of the pension process, from the month of your retirement to the pension treatment of this month, Your pension will not be less. Therefore, there is no need to wait until the second half of the year to retire, and it is most suitable for us to retire as soon as possible.