How should pensions be calculated? How the pension is calculated

Retirement is a thing that almost everyone who works will face, because the pension can also ensure the life security of retirees in the future. Pensions, of course, are also regulated by our laws. SoHow is the 2020 corporate pension calculated?

1. What is the calculation method of corporate pension in 2020? Pension = basic pension + personal account pension.

Basic pension = (average monthly salary of on-the-job employees in the previous year + average indexed monthly contribution salary) 2 Payment period (including deemed payment period) 1%.

Personal account pension = personal account savings The number of months of personal account issuance (195 months for 50 years old, 139 months for 60 years old).

Second, when will the pension adjustment be implemented this year? When will the cash be in place? The state stipulates that this year's adjustment of the basic pension of retirees will be implemented from January 1, 2016.

Due to the wide range and complexity of the adjustment of pensions, the organization and implementation of this year's work has shown several characteristics: first, the national deployment time is relatively late, 4-5 months later than in previous years; Second, the reform of the pension insurance system of government institutions is being further promoted, and the reform is being adjusted at the same time, which increases the difficulty of the work; Third, the state has only made principled provisions on the level and methods of readjustment, and it is necessary for all provinces to do a great deal of analysis, calculation, research, and demonstration work in the light of actual conditions. Therefore, it will take a certain amount of time from national deployment to local implementation.

At present, all parts of Shandong Province are stepping up their efforts to ensure that the increased pensions are paid to retirees in full and in a timely manner. It is certain that the implementation time of the pension adjustment will not change, and the additional pension will be repaid in full from January 2016 to the local implementation period.

3. What is the level of pension adjustment this year? According to the requirements of the state, the overall level of adjustment in the country shall be determined on the left and right. In accordance with this requirement, taking into account factors such as economic and social development, pension security level, and employee wage level, Shandong Province will be arranged slightly higher than the national average level in 2016; At the same time, combined with the actual situation of different groups, the specific adjustment ratio should be reasonably determined.

Such an arrangement is in line with Shandong's actual conditions and is conducive to better improving the basic living conditions of retirees. It should be noted that the above adjustment level refers to the per capita level of all retirees in the province; Specific to individuals, it should also be linked to factors such as their pension level, payment period or job title.

Fourth, what are the methods to adjust pensions? In accordance with the unified requirements of the state, this year's adjustment of pensions will be based on a combination of fixed adjustments, linked adjustments, and appropriate tilts. Among them, for the quota adjustment part, enterprises and government agencies and institutions implement unified standards.

The adjustment part is divided into two parts: one is linked to the basic pension level at the end of 2015; On the other hand, enterprises are linked to the payment period, and government institutions are linked to job titles. The appropriate slanted part is mainly for elderly retirees.

The specific standards have been clearly stipulated in the notice of the Provincial Department of Human Resources and Social Security and the Provincial Department of Finance.

It should be calculated based on the working period, and everyone is equal when they leave the job.

Enterprises and institutions have one plan, and everyone is equal.

The county-level area under the jurisdiction of Jiaozuo City, Henan Province, China, has a very big gap! I am a native of Xiuwu County, Henan Province, joined the army in 1978, and contributed ten years of youth and blood to the construction of the capital! Later, he moved to his hometown and joined the enterprise, and retired in 18 years and paid a pension for decades!

Teachers who have worked for more than 40 years and a few months and have a retirement salary of 2,500, while those teachers who are of inferior quality in government institutions and rural areas do not pay a penny of pension, and their retirement salary is three times higher after more than 30 years of service! Very unreasonable! Today's society is unstable!

Hatred is growing! It's all thanks to the mediocre officials of the Ministry of Human Resources and Social Security! All of them are hateful and should be killed!

Why is it so complicated to calculate a pension?

City Calculation"It is also only in recent years that the average monthly wage standard for urban workers in the previous year has been calculated. The average monthly wage standard for urban workers in China is carried out by the National Bureau of Statistics in accordance with the Statistics Law of the People's Republic of China and the Measures for the Implementation of the Statistics Law of the People's Republic of China, and by the National Bureau of Statistics in accordance with international practice. The average monthly wage level of urban workers in the previous year was divided into national, provincial, municipal, and county levels.

After the establishment of China's old-age insurance system, the monthly average social wage for calculating the old-age insurance for retired workers starts from the average monthly wage of county-level urban workers. As a result, some contradictions have emerged: for example, in the whole city, there is a situation where the city level is higher than the district level (county level), and the development between districts and counties is unbalanced.

In particular, in the same district (county) of the city, the retirement wages of the workers of the municipal enterprises are significantly higher than the retirement wages of the employees of the district-affiliated enterprises, which artificially creates contradictions. National rollout"Jinbao project"After that, it was basically transitioned to the municipal level as a whole. Therefore, the average monthly social wage for calculating retirement wages is now calculated on a municipal basis.

If we have a number of years of insurance in front of our personal account at home, we will have to calculate the transitional pension. The transitional pension is mainly based on the payment period before the establishment of the account, multiplied by the corresponding payment base, and then multiplied by the transitional pension ratio established by the province, which is generally 1%.

Before the reform of the old-age insurance system, peasants did not have retirement wages, and the retired workers of enterprises were paid wages by the enterprises according to the wage standards of each individual, and the personnel of government organs and institutions were paid retirement wages by the treasury.

Our personal account pension is very simple, which is to divide the balance of the personal account at the time of retirement by the number of months.

Our basic pension is generally that if we pay according to the average social wage, we can receive 1% of the average social salary of the previous year of retirement for each year of insurance.

If our contribution base is lower than the average wage, then our retirement benefits will also be lower. If we pay 60% of the contribution base for one year, we will receive the average social wage of the previous year of retirement each month. If we contribute 300 per cent, we receive 2 per cent of the previous year's average social wage per month.

We have been very successful in reforming the calculation method of the enterprise pension system this time, so much so that in October 2014, the reform of the pension insurance system of government institutions and institutions was also used.

As for what we call a transitional pension, it is actually a supplement to the pension of the personal account. It is specifically aimed at the compensation of the personal account pension of the individual account of the person who participated in the insurance or was deemed to be insured before we established the pension insurance system, or before the establishment of the personal account of the pension insurance system. Otherwise, they only have a basic pension and no personal account pension.

In fact, if we pay according to different payment bases, their money is completely proportional. That is to say, if we pay 300%, it will be five times the pension of the personal account generated by the 60% payment. for they paid five times as much.

Therefore, the personal account pension implements the principle of fairness.

Basic pension = (the average monthly salary of local employees in the previous year at the time of retirement of the insured person + the average indexed monthly contribution salary of the insured person) 2 l% of the cumulative number of years of personal contributions

My indexed average monthly contribution wage = the average monthly salary of employees in the province in the previous year when the insured person retires, and the average contribution wage index of the insured person.

My average contributory wage index = (al al+a2 a2+??an an) n formula, al, a2??An is the 1 year or 2 years before the retirement of the insured person? The amount of salary paid by the person in n years;

al、a2??1 year or 2 years before retirement? The average salary of employees in the province in n years;

n The number of years for which enterprises and employees have actually paid basic pension insurance premiums.

The retirement salary of the staff of public institutions is related to the retirement age. Because the factors that affect the level of pension mainly include: the average salary of the local society in the previous year of retirement, the level of the payment base, the length of the payment period, etc., and are directly proportional to the above factors.

Article 16 of the Social Insurance Law.

Individuals who participate in the basic old-age insurance and have paid contributions for 15 years when they reach the statutory retirement age will receive a 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 endowment insurance or urban residents' social endowment insurance, and enjoy the corresponding endowment insurance benefits in accordance with the regulations.

Basic formula: basic pension = 20% of the average monthly salary of employees in the city in the year before retirement The principal and interest of the personal account and the adjustment coefficient of 120, the actual calculation and payment formula will be different in various places, and the local policy shall prevail.

1. After the retirement of civil servants, the retirement allowance of the early bank shall be calculated and paid according to a certain proportion of the sum of the salary and grade salary of the position before the retirement. Among them, 90% of those who have worked for 35 years or more will be paid; If the working life is more than 30 years but less than 35 years, it will be paid at 85%; If the working life is more than 20 years but less than 30 years, it will be calculated as 80%.

2. The retirement allowance of the staff of public institutions after retirement shall be calculated and paid according to a certain proportion of the sum of the salary of the post and the salary scale before retirement. Among them, 90% of those who have worked for 35 years or more will be paid; If the working life is more than 30 years but less than 35 years, it will be paid at 85%; If the working life is more than 20 years but less than 30 years, it will be calculated as 80%.

3. The retirement allowance of the skilled workers and ordinary workers of the organs after retirement shall be calculated and paid according to the sum of the salary of the post and the technical grade before the retirement, and a certain proportion of the post salary. Among them, 90% of those who have worked for 35 years or more will be paid; If the working life is more than 30 years but less than 35 years, it will be paid at 85%; If the working life is more than 20 years but less than 30 years, it will be calculated as 80%.

According to the latest retirement pension, it consists of two parts: pension = basic pension + personal account pension.

Basic pension = (the average monthly salary of on-the-job employees in the province in the previous year + the average indexed monthly payment salary of the person) 2 Payment period 1% = the average monthly salary of on-the-job employees in the province in the previous year (1 + the average payment of the Zheng Leak Index) 2 The payment period is 1%.

Where: the indexed average monthly payment wage of the people in this potato town = the average monthly salary of the on-the-job employees in the province in the previous year and the average payment index of the person.

In the above formula, it can be seen that in the case of the same payment period, the level of the basic pension depends on the average contribution index of the individual, and the average contribution index of the number of coarse people is the average of the ratio of their actual contribution base to the average social wage. The lower limit is and the upper limit is 3.

Therefore, in the two calculations of pensions, the higher the contribution base and the longer the number of years of contributions, the higher the pension will be.

Monthly pension after retirement.

The calculation is as follows: monthly pension after retirement Basic pension.

Plus personal account pension plus transitional pension.

1. Monthly basic pension:

Amount (the average monthly salary of the province's on-the-job employees in the previous year at the time of retirement, the average monthly indexed monthly contribution salary of the employee) divided by 2 times the number of years of payment multiplied by 1%;

Among them: the average monthly salary of the indexed monthly shirt Zheng = the average monthly salary of the on-the-job employees in the province in the previous year when the employee retires multiplied by the average payment index of the previous year.

The basic pension is directly proportional to the number of years of contributions. The longer the payment, the higher the treatment. If A and B have the same annual contribution level (contribution index), A has paid for 20 years and B has paid for 40 years, then B's basic pension is twice that of A.

The basic pension or Bisong Gold and the comprehensive contribution level of the person (the average of the contribution index over the years.

Positive correlation. But not proportional.

2. Monthly personal account pension:

Amount: The amount of personal account savings divided by the number of months (195 months for retirement at age 50; 170 months for retirement at age 55; 139 months for retirement at age 60);

The amount of personal account deposits, mainly ** 8% of the personal contributions and interest in previous years; This "calculation of the number of months" is only used to calculate the pension in the first year of retirement, and has nothing to do with the actual number of months, and will actually be paid for life.

3. Monthly transitional pension:

Amount: When the employee retires, the average monthly salary of the on-the-job employees in the province in the previous year is multiplied by the average contribution index of the employee himself multiplied by the deemed payment period.

Times; There are differences in the calculation methods of transitional pensions among provinces, autonomous regions and municipalities directly under the Central Government. The above formula of Huisen is the algorithm of Shaanxi Province. Only the "elderly" who participated in the work before 1996 and other persons who have the same number of years of contribution are entitled to a "transitional pension".

The calculation of the pension is generally determined based on factors such as the retiree's years of service, salary level and social development level. Generally speaking, the calculation of the retirement pension is determined according to the current level of training and the number of years of service, which is also the basic principle of pension. The formula for calculating a pension is generally as follows:

Pension = (annual salary before the debate, years of service) 60.