Pension calculation method, pension calculation method

The social security pension is divided into three parts, which are calculated as follows:

1. Basic pension = (average monthly salary of on-the-job employees in the province (city) in the previous year + average monthly salary of the employee) 2 * payment period * 1%.

2. Pension in my account = the amount of pension storage in my account and the number of months of payment.

3. Transitional pension = average monthly salary of on-the-job employees in the province (city) in the previous year at the time of retirement * payment base * payment period *.

In 2014, the national enterprise retirees from January 1 according to the standard of 10%, the average monthly pension will exceed 2,000 yuan.

In 2018, Henan, Guangdong, and Inner Mongolia successively determined the basic pension increase plan in 2018, coupled with the intensive implementation of local policies in June and July, more than 20 provinces such as Beijing, Jilin, Shanxi, Shanghai, and Jiangsu have determined the basic pension increase plan.

In April 2021, the Ministry of Human Resources and Social Security and the Ministry of Finance issued the Notice on the Adjustment of the Basic Pension of Retirees in 2021, clarifying that from January 1, 2021, the basic pension level will be increased for retirees of enterprises, government agencies and institutions who have gone through the retirement procedures in accordance with the regulations and receive the basic pension on a monthly basis before the end of 2020, and the overall adjustment level will be the monthly per capita basic pension of retirees in 2020. The circular calls on all localities to formulate specific implementation plans and distribute the adjusted and increased basic pensions to retirees as soon as possible.

The calculation of pension is based on the example of Suzhou City:

1. Basic pension (the average monthly wage of the province's on-the-job employees in the previous year at the time of retirement, the minimum payment coefficient, the indexed average monthly payment salary of the insured person) 2 The cumulative payment period of the individual (including the deemed payment period, excluding the converted payment period) 1.

2. The cumulative savings of personal account pension in my personal account shall be calculated and issued for the number of months, and the standard for the number of months shall be implemented in accordance with national regulations.

Legal analysis: according to the length of service, 100 yuan for each year of work. And so on, the pension for 10 years of service is 1,000 yuan.

The pension for 20 years of service is 2,000 yuan, the pension for 30 years of service is 3,000 yuan, and the pension for 40 years of service is 4,000 yuan. There is no distinction between senior workers, intermediate workers, or ordinary workers. All retirement benefits are equal.

Civil servants should also be equal, regardless of their position. The same as the worker's pension. It is completed within three years.

Legal basis: Social Insurance Law of the People's Republic of China

Article 13 Before the employees of state-owned enterprises and public institutions participate in the basic endowment insurance, the basic endowment insurance premiums that should be paid during the deemed payment period shall be borne by the government. When the basic endowment insurance is insufficient, it will be subsidized.

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.

Legal analysis: basic pension at the time of retirement = average monthly salary of local employees on the job in the previous year Average monthly indexed salary 2 Number of years of contribution 100 8% of the cumulative amount of actual paid wages (average life expectancy - retirement age) 12 months.

Legal basis: Article 15 of the Social Insurance Law of the People's Republic of China 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 payment salary, the average salary of local employees, the amount of personal accounts, and the average expected life expectancy of the urban population.

The calculation of the monthly pension after retirement 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: my indexed average monthly contribution salary = the average monthly salary of the province's on-the-job employees in the previous year at the time of retirement, multiplied by my average contribution index over the years.

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 is positively correlated with the level of the person's comprehensive contribution (the average of the contribution index over the years), but it is 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 "calculated month" is only used to calculate the pension in the first year of retirement, and has nothing to do with the actual number of months.

3. Monthly transitional pension: Nasen.

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;

The basic pension is composed of three parts: basic pension, personal account pension and transitional pension.

The personal account pension is equal to the accumulated savings in the personal account divided by the number of months of payment. The cumulative amount of personal account storage refers to the amount of savings in the personal account of the insured person from the establishment of the personal account, with a certain proportion of the payment base included in the personal account, and the current policy stipulates that the credit ratio is 8, and the interest income on the potato is added.

The number of months is determined according to the average life expectancy of the urban Douzhihui population at the time of retirement, the retirement age, the interest rate and other factors, and is implemented in accordance with the unified provisions of the state. The number of months corresponding to retirement at the age of 60 is 139, the number of months corresponding to retirement at the age of 55 is 170, and the number of months corresponding to retirement at the age of 50 is 195.

It can be seen from the formula that the personal account pension is related to the cumulative savings of the personal account and the number of months, the longer the payment, the higher the basic pension; And the earlier you retire, the less the basic pension.

The calculation of pension is based on the example of Suzhou City:

1. Basic pension (the average monthly wage of the province's on-the-job employees in the previous year at the time of retirement, the minimum payment coefficient, the indexed average monthly payment salary of the insured person) 2 The cumulative payment period of the individual (including the deemed payment period, excluding the converted payment period) 1.

2. The cumulative savings of personal account pension in my personal account shall be calculated and issued for the number of months, and the standard for the number of months shall be implemented in accordance with national regulations.

The pension is calculated as follows:

1. When the basic pension insured personnel retire, the average monthly salary of the on-the-job employees in the province in the previous year, the indexed average monthly payment salary) 2 The payment period is 1%. (Note: I indexed the average monthly contribution wage, the average monthly wage of the on-the-job employees in the previous year, and the average contribution index of my own index).

2. The number of months of deposit in the personal account of the pension account (50 years old is 139 years old).

3. Basic pension = (the average monthly salary of the province's on-the-job employees in the previous year at the time of retirement, 10 of the average monthly salary of the indexed and verified by the individual) 2 the number of years of payment) 1%.

4. Personal account pension = the amount of personal account savings at the time of retirement The number of months corresponding to the retirement age of the person. If there is a one-child certificate, the total pension will be increased by 5%. Those who joined the work on or before September 30, 1998 will have a transitional pension.

At the time of retirement, the average salary of the previous year (the average salary of the province is increasing every year, and the pension is also rising year by year. So, the later you retire, the more you will be paid);

Summary. Hello dear, happy to answer your <>

The calculation method of retirement pension is related to factors such as the amount of contributions, the total number of years of contributions, the retirement age, and the average social wage in the region. The pension treatment of retirees of general enterprise employees is: the sum of three parts: personal account pension, basic pension and other allowances.

How pensions are calculated.

Hello dear, happy to answer your <>

Poke the face stupid orange]: The calculation method of retirement pension is related to factors such as the amount of payment, the total number of years of payment, the retirement age, and the average salary of the regional society. The pension benefits of retirees of general enterprise employees are:

The sum of the three parts of personal account pension, basic pension and other allowances. With the dismantling group.

The relevant legal basis for you is as follows: Article 16 of the Social Insurance Law, an individual who participates in the basic pension insurance and has paid contributions for 15 years when he reaches the statutory retirement age shall receive a basic pension on a monthly basis. Individuals who participate in the basic endowment insurance and have paid less than 10 years when they reach the statutory retirement age can pay for 15 years and receive the basic pension on a monthly basis; You can also transfer to the new rural social endowment insurance or urban residents' social endowment insurance, and enjoy the corresponding endowment insurance treatment in accordance with the regulations.

The legal analysis made by Qinqin for you is as follows: the amount (the average monthly salary of the on-the-job employees in the province 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: my indexed average monthly contribution salary = the average monthly salary of the province's on-the-job employees in the previous year at the time of retirement, multiplied by my average contribution index over the years.

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 (payment index), A has paid for 20 years and B for 40 years, then B's basic pension is twice that of A.

The basic pension is positively correlated with the level of one's comprehensive contribution (the average of the contribution index over the years), but it is not proportional.

Summary. Hello: The calculation method of retirement pension is generally calculated according to the number of years of service and monthly salary of the employee.

According to Article 66 of the Labor Law of the People's Republic of China, after the employee retires, the employer shall give a pension according to a certain proportion of the monthly salary, and the proportion shall be determined by the local people** according to the actual local situation.

Hello: The calculation method of retirement pension is generally calculated according to the number of years of service and monthly salary of the employee. According to the provisions of Article 66 of the Labor Law of the People's Republic of China, after the worker retires, the employer shall give a pension according to a certain proportion of the monthly salary, and the proportion shall be determined by the local people according to the actual local situation.

In Shenzhen, he has paid for 26 years and has a personal account of 75,000 yuan.

The basic salary of 3,000 yuan is paid.

How much can I get in such a month.

Hello: According to the Shenzhen Pension Insurance Policy, the pension you can receive each month is 50% of your personal account of 75,000 yuan, that is, 3,750 yuan of silver fiber.

How it was planned.

Hello: The pension calculation method in Shenzhen is calculated according to the monthly payment period and personal account balance. According to the information you provide, you have paid for 26 years, the balance of your personal account is 10,000 yuan, and the monthly pension is 3,750 yuan, then your monthly pension should be calculated according to the formula stipulated by the Shenzhen Social Insurance Bureau:

Monthly pension = the balance of the personal account and the number of years of payment are calculated.