Pension After 10 years of transition period, will the staff of institutions and institutions be significantly reduced?
institutions and institutions are paying attention to a major event, that is, there are still 2 years. The 10 -year transition period of pensions will end. Many people in are worried that they will retire after the transition period is over. Return to the same level as retirees as corporate retirees?
has such concerns that because retirement during the 10 -year transition period, you can have bottom protection. Pension can keep a low limit, and the treatment level will not be lower than the old old method . After the transition period is over, there is no such guarantee. The pension calculation method is exactly the same as the retired employee of the enterprise, so will the pension treatment be the same?
In fact, this worry is unnecessary . Even if the 10 -year transition period of pensions is over, the pension benefits of retirees of institutions and institutions will not be reduced, and they will not be reduced to the same level as corporate retirees. Although the
pension calculation method is the same, it does not mean that the level of pension treatment is the same . Because you need to look at the duration of personal pension insurance, the payment index of endowment insurance, the balance of personal accounts, and so on.
and Compared with corporate retirees, retirees of institutions and institutions will also have a large advantage :
1. The cumulative payment period of endowment insurance is relatively long . Situation, Work age will not be too long.
2, there is a long view of the same payment period, transitional pension treatment high , for retirees of institutions and institutions, the age before 2014 can be regarded as the payment period, and corporate retirees generally Before the working age before 1995, it is considered to be regarded as the payment period, and there will be a certain gap in the transitional pension benefits.
3. The endowment insurance payment index is relatively high , which can generally be higher than 1, and the pension insurance payment index of retired employees is less than 0.6.
4, retirees of institutions and institutions will also have supplementary pensions , which is professional annuity .
5, with other subsidy benefits, such as living subsidies, one -time reward allowances, and so on.
has caused these factors, and the pensions received by retirees of institutions and institutions are generally higher. can also be seen from data. At present per capita pension can exceed 3,400 yuan.
We can give an example to explain one. The balance is 120,000, then his pension will be composed of basic pensions+personal account pensions+transitional pensions. Suppose the local pension calculation base is 6,000 yuan and the transitional coefficient is 1.2%. Then the basic pension is 6000 *(1+1.2)/2*40*1%= 2640 yuan.
account pension is equal to 120,000 yuan/139 = 863 yuan.
transitional pension is equal to 6000*(1+1.2) /2* 30*1.2%=2376 yuan.
adds up the pension is 2640+863+2376 = 5879 yuan . There is no occupational annuity here. Assuming that the annuity is 1,000 yuan per month, the overall pension income of can reach nearly 7,000 yuan per month. It is also 40 years of working age, and the pension of most enterprise retirees is difficult to reach 4,000 yuan.
, so, retired after the end of the 10 -year transition period of pensions, does not mean that the level of pension will be reduced, and it will not return to the level of corporate retirees. In contrast, is the opposite. Due to factors such as rising pensions and increasing vocational annuity, their overall pension treatment will also be improved.
