For women born in 1972, if they are female employees, the retirement age is 50 years old. Therefore, when they reach the age of 50 in 2022, they will usher in retirement. So, if you were born in 1972 and retire in 2022, how much will your pension get?
There is no uniform answer to this question. The specific amount of pension that can be received varies from person to person and from place to place. Because each person's contribution level, contribution period and the social average wage level of the province where they are located are high and low, it is impossible to generalize how much pension they receive.
Below, through the case of a real Toutiao netizen, I will explain how to calculate pensions. After learning how to calculate pensions, everyone can estimate their own pensions.
The basic situation of this netizen is that the coordinates of Qingdao, Shandong Province, born in January 1972, started working in May 1999, retired in January 2022, the actual payment period is 18 years and 7 months, the average payment index is 0.598, and the personal account The amount is 41283 yuan.
Since this netizen only started to pay in 1999, it is not regarded as the payment period. Therefore, there is no transitional pension . The pension benefits only include two parts, one is the basic pension and the personal account pension gold.
1. Basic pension calculation formula
= pension calculation base in the year of retirement (that is, the average social salary of the previous year at the time of retirement) × (1 + personal average contribution index) ÷ 2 × Contribution period × 1%
She will retire in January 2022, and the basic pension will be calculated based on the 2022 pension calculation base, which is the average social salary in 2021, but this data has not been released, generally It will be released in the second half of the year, so, temporarily based on the 2021 pension calculation base, Shandong's pension calculation base in 2021 will be 6,893 yuan.
In addition, the payment period of 7 months in 2018 is equivalent to 18.58 years. Therefore, by substituting the data into the formula, we can get:
Basic pension=6893×(1+0.598)÷2×18.58×1%=1023.29 yuan .
2. Personal account pension calculation formula
= personal account savings ÷ number of months of calculation and payment
This female employee retired at the age of 50, and the corresponding personal account pension calculation and payment month The number is 195 months. (170 months at age 55 and 139 months at age 60).
Therefore, personal account pension = 41283 yuan ÷ 195 = 211.71 yuan.
3. Transitional pension calculation formula
= pension calculation base in the year of retirement × contribution years before the implementation of individual accounts × average contribution index × transition coefficient
After the individual account is implemented, the payment period before the implementation of the individual account is 0, so the transitional pension is 0, that is, there is no transitional pension.
Her pension = basic pension + personal account pension = 1235 yuan.
data show that in 2020, the average pension level of retirees in Shandong Province will reach 3,429 yuan. Therefore, the pension of this female worker is relatively low in Shandong.
The reason why the pension level is low is that first, the payment period is short, only more than 18 years. Second, the payment level is low. The average payment index is 0.598, which is about 0.6, and the payment grade is low. Pension pays more, pay more, pay more, pay less, get less naturally. If you want to get more pension, you must try to increase the contribution level and contribution period.
Of course, it should be noted that this is a temporary pension treatment based on the pension calculation and distribution base in 2021. After the pension calculation and distribution base in 2022 is announced, the official pension treatment will be re-approved.There will be more than now.
To learn more about pension calculation, please pay attention to Thinking. Likes and reposts are welcome!
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