How much is the retirement salary of an enterprise with 40 years of service

Generally, the pension treatment of enterprise retirees in various places is:

1) Personal account pension. The total amount of funds in a personal account is divided by a certain number, which is determined by the age at the time of retirement.

Retirement age figures.

Hypothesis: Retire at the age of 55 and retire with 85,000 yuan in your personal account.

Personal account pension = 85000 170 = 500 yuan.

2) Basic pension. Multiply the number of years of contribution by 1% by the local monthly wage (the average monthly social wage in the year of retirement).

Assumption: The local monthly salary is 4,000 yuan, and the payment is for 30 years.

Basic pension = 30 * 1% * 4000 = 1200 yuan.

Note: This assumes that the local average wage has been paid, and the 1% figure will be higher if the contribution is higher. If the payment is low, it will be less than 1%, and the minimum will be about 1%.

3) There is a monthly allowance of 800 yuan for the deputy senior title, and a monthly allowance of 1,000 yuan for the senior title. This is the level of Guangdong, and other provinces and cities should check the local regulations.

4) Other small allowances.

All of the above constitute the salary (pension) of the first month of retirement. It will be increased by a certain percentage every year, such as %, etc.

Only knowing the length of service, it is impossible to calculate how much basic pension the person can receive after retirement.

The calculation of the basic pension of the employee's retirement involves many factors such as the number of years of payment, the 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 at the time of retirement.

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.

The policies of each company are different, so the regulations are different.

Those who have completed 8 years or more are 100% of their salary. Therefore, when an employee retires after 40 years, the seniority pay is 100% of his or her salary. Length of service :

The length of service regulation is an integral part of the social insurance system for employees, a sign for measuring the length of working hours of employees, and an important condition and basis for determining the benefits and benefits enjoyed by employees. Specifically, the length of service has the following functions: (1) The length of service refers to one of the conditions for the retirement of employees.

In 1978, the Interim Measures on the Retirement and Retirement of Cadres and Workers were promulgated in Document No. 104 [1978] of the State Council, which clearly stipulated the conditions for the retirement of workers. The conditions for retirement are, first, age, second, continuous length of service, and third, disability due to work. Except for the retirement of employees who are disabled due to work, the rest of the normal retirement and abnormal retirement must have 10 years of continuous service, otherwise they are considered to meet the retirement conditions and can only be treated as retirement.

2) The length of service determines the level of insurance benefits. The longer the continuous service, the higher the insurance benefits. Labor insurance benefits for illnesses and non-work-related injuries stipulated in the Labor Insurance Regulations are calculated on the basis of length of service.

Sickness and injury leave pay within six months of the period of medical treatment due to illness or non-work-related injury shall be used as a convenience, and if the continuous service is less than two years, 60% of the employee's salary; 70% of the salary for those who have completed two years but are less than four years; 80% of the salary for those who have completed four years but less than six years; 90% of the salary of those who have completed six years but less than eight years; Those who have completed 8 years or more are 100% of their salary. The level of retirement benefits of employees also depends on the length of continuous service. For example, if a person who participated in revolutionary work after the founding of the People's Republic of China and has worked continuously for 20 years, his retirement allowance will be paid at 75% of his standard salary; If the continuous service has been completed for 15 years but less than 20 years, it shall be paid at 70%; If the employee has worked continuously for 10 years but less than 15 years, it shall be paid at 60%.

If a worker under the labor contract system is unable to perform his or her original job after the expiration of the medical treatment period due to illness or non-work-related injury, the enterprise may terminate the labor contract and pay him a living allowance equivalent to one month's standard salary for each full year of his or her employment in the enterprise. (3) The length of service is one of the bases for the state to deal with the issue of wages and wage allowances for employees. Because the length of service is one of the important criteria to measure the size of the employee's contribution to social labor.

Therefore, when dealing with the issue of workers' wages and certain wage allowances, the state often gives full consideration to the length of service of workers and workers, and gives appropriate provisions. Article 26 of the Draft Amendment to the Detailed Rules for the Implementation of the Regulations on Labor Insurance Article 26 When a worker or employee retires from service, the retirement pension subsidy shall be paid monthly under the labor insurance: 50% of the salary shall be paid to those who have worked in the enterprise for five years but less than ten years; If the employee has completed 10 years but has not yet completed 15 years, 60% of his salary shall be paid; For those who have completed 15 years or more, 70% of their wages will be paid.

Until death.

At present, the amount of pension in China is linked to three factors:

1) the number of years of payment of social insurance (that is, commonly known as "length of service"), the longer the number of years of social insurance, the higher the amount of pension, some provinces, autonomous regions and municipalities directly under the Central Government divide the length of service into 15 years, 20 years, 25 years, 30 years, 35 years, 35 years or more six grades, the higher the grade, the higher the pension amount. There are also places where there is no grade, and one year of service is counted as one year of service, and the maximum length of service is 44 years (calculated according to the age of 16 and retirement at the age of 60). Tell the scum.

2) The balance of the personal account of the pension insurance (hereinafter referred to as the "personal account balance"), the higher the personal account balance, the higher the pension amount.

3) The higher the level of local socio-economic development, the higher the pension amount. The pension amount of those who retire in Beijing, Shanghai, Guangzhou and Shenzhen is definitely much higher than that of those who retire in the poor areas. In addition, in some places, the staff of the Social Insurance ** Management Center of the Human Resources and Social Security Bureau also follow the principle of "seeing the amount of the pension when calculating the amount of the pension", assuming that the amount of your pension is calculated according to the above three factors, and the actual amount is 2346 yuan.

There are also places where the calculation results are accurate to the angle or even to the minute, and the actual amount issued is yuan and yuan respectively.

According to the provisions of the Social Insurance Law, the enterprise retirement pension is mainly composed of basic pension, personal account pension, transitional pension and transitional adjustment fund

1. The monthly standard of basic pension is based on the average monthly salary of local on-the-job employees in the previous year and the average of my indexed monthly salary of Hengshu, and 1% will be paid every 1 year.

The calculation formula is: basic pension = (the average monthly salary of the local on-the-job employees in the previous year at the time of retirement of the insured person + the average monthly indexed salary of the insured person) 2 The payment period is 1%;

2. The monthly standard of personal account pension is the amount of personal account savings divided by the number of months.

The calculation formula is: personal account pension = the cumulative amount of personal account savings at the time of retirement of the insured person and the number of months of calculation;