Some people say that the pensions for retired employees of enterprises are too low. After paying contributions for more than 30 years, I received a pension of more than 2,600 yuan. There is such a woman, retired in December 2021, with a payment period of 31.25 years (of which the deemed payment period is 5.33 years), the average payment index is 0.67, and the pension calculation base is 6893 yuan. As a result, the pension calculated after retirement is 2614.74 meta.
To be honest, the pension calculation method is completely correct. After participating in pension insurance, the pension benefits received after retirement mainly include three parts: basic pension, personal account pension, and transitional pension . transitional pension is actually mainly a benefit supplement for the lack of personal account pension for the payment years before the establishment of a personal account.
But receiving a monthly pension of 2,614.74 yuan, isn’t this a good deal? To be honest, not really.
First of all, everyone must understand the retirement age . This is a female worker who retired at the age of 50. When calculating personal account pensions, the number of months for retirement at age 50 is 195 months, which is much higher than the 139 months at age 60, so the calculated pension is also relatively low.
According to the national system design, how much pension can I receive after retirement? We still need to look at the income and expenditure of the pension insurance fund. How many years can we receive pension after retirement?
In 2021, China's average life expectancy is 78.2 years. In fact, according to statistics, women's life expectancy is generally longer than men's life expectancy, so it is normal for women to have a life expectancy of more than 80 years.
In addition, life expectancy refers to the average life span of a 0-year-old newborn under the current living and medical conditions. For a person who is 50 years old, the remaining life span + current age will generally be far greater than the average life expectancy.
There is actually a big difference in average life expectancy between urban and rural areas in my country. Living conditions are an important factor affecting life expectancy. The average life expectancy in urban areas is far higher than that in rural areas.
Even if we calculate based on the age of 80 and receive a monthly pension of more than 2,600 yuan, starting from the age of 50 for 30 years, it is basically equivalent to our pension insurance payment time.
Think about the monthly payment for pension insurance (do not consider the amount of other payments such as medical insurance, because they are different insurances and cannot be confused together for comparison). I believe it will not be more than 2,600 yuan per month.
Secondly, retirement pensions will be increased every year . In 2022, according to the pension adjustment plan of Shandong Province, the basic pension is 2,614 yuan, and the payment period is 31.25 years. First, the fixed amount will be increased by 43 yuan, and then it will be increased by 46.4 yuan according to the payment period. , an increase of 33 yuan according to the pension ratio, the adjusted pension will reach 2,737 yuan.
The basic pension for retirees will be increased every year based on social average wages, price growth, and the affordability of the pension insurance fund. Since the establishment of the pension insurance system in our country, retirement pensions have basically been increased every year. This year is the 30th consecutive year of pension adjustments in Beijing.
Finally, after participating in the pension insurance and passing away, the pension insurance fund will also pay funeral benefits and pension benefits. These two parts of the benefits are mainly used for burying the elderly and providing care for their families. The minimum monthly per capita disposable income of the province and town in the province where the person died last year is 11 months. This is effectively linked to people's income levels and can resist depreciation.
Generally speaking, although has paid for more than 30 years and only received a pension of more than 2,600 yuan, if we carefully think about the various benefits we may receive in the future, it is really a good deal. Without insurance, it’s definitely not cost-effective. #August New Financial Forces#
