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Civil servants are at the level of department, with 30 years of working years, and their pension exceeds 9,000 yuan, senior professional title retirement of teachers exceeds 8,000 yuan, and corporate workers retire more than 6,000 yuan. However, on average, the total pension exceeds 8,000 yuan. What proportion can it be?
is about 15%~20%.
The pension for the elderly generally exceeds more than 5,000 yuan. Due to the large replenishment period during the 10-year transition period, the pension for the retirement is generally around 8,000 yuan. In the future, the pension for the newcomer will continue to rise after 2025 by 24.
people with pensions of more than 8,000 yuan have the following characteristics: long payment time, high payment base, and great supplementary efforts for occupational annuity .
Category 1, what is the proportion of pension exceeding 8,000 yuan?
The job setting for public institutions has been completely cancelled since August 2022, especially the teacher industry no longer limits the job ratio requirements. However, in the past, our old methods, , public institutions, , set up senior professional titles about 15%, intermediate professional titles about 60%, and junior professional titles about 20%. The social security contribution base is adjusted according to the basic salary, so senior professional titles are one of the people with a proportion of more than 8,000 yuan, so the proportion is probably maintained at around 15%.
Category 2, what are the conditions for pensions exceeding 8,000 yuan?
payment period doubles the minimum payment period from 15 years, and the payment period reaches 30 years. More than one year is an important objective condition for pensions exceeding 8,000 yuan. At the same time, the pension base is doubled on the basis of the lowest level of corporate pension base payments of 60%, and it will double to the payment level between 100% and 120%. Only after paying for more than 30 years in a row, it is possible to obtain a pension of more than 8,000 yuan. In 2022, the average increase in pension for teachers increased by about 300 yuan. This change has caused 5% of retired employees to have a monthly pension of more than 8,000 yuan.
Category 3, which one can have more than 8,000 people in 2024 or 2025?
2024 belongs to the 10th year of the transition period for middle-aged people, and 2025 belongs to the 1st year of new people's new methods. Which year is more cost-effective to retire in the past two years? In fact, I think it is more likely that the retirement pension exceeds 8,000 yuan before October 1, 2024, because middle-aged people enjoy the supplement of excessive pension. Before October 1, 2024, the supplemental ratio of excessive pension is 100% of the highest level. Maybe if we retire before October 1, 2024, our pension will be 8,000 yuan, and after 2025, the retirement pension will be about 8,100 yuan, which has not changed much. Maybe we are not as good as the retirement status of middle-aged people. This means that the role of occupational annuity has not yet been played out, and the impact will be relatively large after the cancellation of excessive pensions.
Category 4, among all industries, in addition to civil servants and teachers and doctors in public institutions, who may have more than 8,000 yuan in pensions?
In civil servants, state-owned enterprises, private enterprises, foreign-invested trading enterprises, individual institutions, flexible payments for industrial and commercial and urban and rural residents’ pension insurance payment benefits, among all these groups, pensions are easily achieved by more than 8,000 people, and are still people with enterprise annuity and occupational annuity contribution rate. The contribution rate of annuity and occupational annuity is about 33%. Therefore, as the second pillar, the pension system plays a key supporting role in improving the pension retirement benefits base in my country. Relatively speaking, those who only pay pension insurance and do not purchase corporate annuity are basically about 1,000 yuan lower per month.
Category 5, what contribution rates do occupational annuities and corporate annuities have to pensions exceeding 8,000 yuan?
Occupational annuity is based on the principle of 8% of individual payment and 4% of unit payment. Enterprise annuities are a ratio of 1% for individual payment and 4% for units. Therefore, occupational annuities reflect the compulsory payment of occupational annuities for all public institutions and civil servants, and enterprise annuities reflect the characteristics of independence, voluntary and flexibility. Many enterprise employees do not have enterprise annuities. The most important direction of social security reform during the 14th Five-Year Plan period is to increase the enthusiasm of enterprises to purchase annuities and the coverage rate of enterprises to cover annuities.Occupational annuities also maintain a contribution rate of about 33% in Western countries, and also accounts for about 33% of my country's social security system.
Category 6, what benefits do retired employees have to continue to maintain after retirement?
Holiday fees, cooling fees, heating fees, paid winter and summer vacations, work allowances, car subsidies, housing subsidies, etc., enjoy working within the system, and the benefits in the system can be maintained after retirement. After the accidental death, civil servants can still enjoy a 4-month pension after retirement, while teachers in public institutions can also enjoy a 24-month pension after retirement. The pension system shows the gap between civil servants and public institutions, but this gap is still narrowing, reflecting the five insurances and two fund system, its unique design and status in social security, and the long-term care insurance will become more and more complete in the nursing reimbursement ratio of disabled elderly people after retirement, turning my country's five insurances and two funds into the six insurances and two funds system.
among civil servants, the proportion of pension exceeding 8,000 yuan is about 95%, the pension for teachers exceeding 8,000 yuan is about 20%, the pension for enterprise employees exceeding 8,000 yuan, about 5%, urban residents pay pension for pension, and retirement pension for retirement exceeding 8,000 yuan, about 0.5%. Regardless of whether our pension is high or low, it will increase according to the regular adjustment mechanism of 1% to 4% per year after retirement. After the age of 70, the elderly allowance will be implemented uniformly, with an increase of about 200 yuan per month.
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