Pension insurance is a welfare system that protects the vast majority of elderly people and has a certain source of income after they retire and lose their jobs. Based on the principle of fairness and justice, the collection of pensions in my country has nothing to do with age and gender. It has always followed the principle of "pay more and get more", and can also be said to be high investment and high returns. But in real life, it is not difficult to find that there are always some people with low contribution bases who receive more pensions than those with high contribution bases. What's going on? After reading the following 3 points, you will know the reasons:
first, the payment period is long, and the payment period is long
The first word "more paying more" has a dual meaning. One is that the payment base mentioned above is large, and the other refers to the payment period. Generally speaking, pensions are composed of two parts: personal account and basic pension. Those who are deemed to be deemed to have a contribution period and have a longer working life will also receive an transitional pension . Personal account pension = personal account storage amount ÷ counting months (50 years old 195, 55 years old 170, 60 years old 139, 65 years old 101), basic pension = the local pension calculation base (1+ my average contribution index) ÷ 2 × contribution years × 1%, transitional pension = pension calculation base × social security average contribution index × account pre-working years (deemed as payment years) × transitional pension calculation coefficient. It is not difficult to see from this that basic pensions are proportional to the payment period. Therefore, those who have a low payment base but have a long payment period also receive more pensions every year than some people with a higher payment base.
Second, pension system is integrated
In order to further unify the issuance of pensions, the pension insurance system of my country's enterprises and institutions has been officially integrated since 2014, and the pension payment and collection standards for the two have been unified. However, before the implementation of this policy, employees of government agencies and institutions do not need to pay pension insurance according to regulations. Therefore, after resigning from their posts, they are not qualified to be included in social management. As for the pension, the original unit will pay to everyone according to the specific situation of each person. After the integration, the original distribution method will no longer be applicable to newcomers. At this time, employees of government agencies and institutions will adopt the method of "old old methods for the elderly, new methods for the new people, and the establishment of a transition period for the middle-aged people". As we have seen, some "elderly people" have taken advantage of the policy. Although they did not pay more pension insurance, they still received relatively more pensions.
Third, the calculation bases of different regions are different
As time goes by, the differences in economic development levels in various regions are getting bigger and bigger. Although relevant departments have been focusing on promoting regional coordinated development, in fact, considering the return on investment, many times the country is still giving priority to first- and second-tier cities. In this way, the general differences in the base of large cities and small cities are larger. Nowadays, affected by the epidemic, the consumption demand of people across the country has ushered in a new round of growth after a long period of decline. Today, when the inflation rate of is accelerating and the purchasing power of RMB is gradually declining, if differentiated policies are not implemented, the most basic quality of life for the elderly living in economically developed areas may not be guaranteed in their later years. There is no need to make a fuss about this. In fact, the most fundamental function of pensions is to meet the basic living needs of the elderly, so everyone must keep a calm mind.
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