Pension insurance premiums are paid for 406 months, that is, the payment period is 33.83 years. How much money can be received in retirement pension?
In the eyes of many people, paying a pension of 100 yuan a year is just enough. 33. For 83 years of pension insurance premiums, you can receive at most 34,500 yuan, right? In fact, our retirement pension depends on many factors such as the pension calculation base in the year of retirement, the individual's payment years, the individual's average contribution index, the balance of the personal pension insurance account, the number of months for calculation of retirement age, transitional pension, etc. The current requirement of paying 100 yuan a year to receive a pension is somewhat too low .
Take a retired man in Sichuan Province as an example and see how much pension he can receive with 33.83 years of service? This old man started working in September 1978 and retired in October 2022, but his total payment period was 406 months.
According to the pension calculation formula, pension benefits mainly include three parts: basic pension, personal account pension, and transitional pension .
The basic pension part is mainly related to the current year's pension calculation base, the individual's average payment index, and the payment period .
This old man’s average contribution wage index is 0.87, and his payment period is 33.83 years, so he can receive 31.63% of Sichuan Province’s pension calculation and payment base.
Sichuan Province’s pension calculation and payment base in 2022 is 7,822 yuan, which is still at a medium to high level in the country. Therefore, the basic pension benefit is equal to 2,474 yuan.
Personal account pension is equal to the number of months when the balance of the personal pension insurance account is at the retirement age.
The old man’s pension insurance personal account balance is 55,409.24 yuan, and the number of payment months at age 60 is 139, so the pension benefit in his personal account is 398 yuan.
In fact, for those who have participated in insurance in recent years, the pension benefits are only basic pension and personal account pension. But for the elderly who started working early, they still have the transitional pension before the establishment of the personal account system.
The deemed payment period for this old man is 166 months. Before establishing a personal account (before January 1, 1996 in Sichuan Province), the payment period (including the deemed payment period) was 208 months.
The transitional pension is equal to (pension calculation base + my indexed average monthly contribution salary ) × the payment period before the account was established × the transitional coefficient (1.3%). The final transitional pension is 1,647.67 yuan.
In fact, when the personal account system of pension insurance was implemented, in the past, because people did not have the accumulation of personal accounts, the transitional pension was also regarded as a kind of compensation for the lack of personal account benefits.
In addition, Sichuan Province will also issue an additional pension part. This is mainly to increase pensions for special circumstances such as those with senior professional titles, those who have won provincial and ministerial honors and awards, and parents with only children. The general benefit is an increase of 0.1% of the indexed salary of the individual during each payment period. However, the old man did not.
Adding up the above parts, the final basic pension is 4520.48 yuan.
In fact, this is just the beginning of pension benefits. We are about to enter 2023, and retirees' pensions will further increase.
If the 2022 pension adjustment plan of Sichuan Province is followed, the old man's basic pension will be increased by a fixed amount of 38 yuan, adjusted by 36 yuan based on the payment period, and adjusted by 49.72 yuan based on the pension level, so it is expected to increase by at least 120 yuan.
In addition, if the insured person dies, his family members can also receive funeral benefits and survivors’ pension benefits. Even if you die in 2022, the relevant benefits can reach 89,000 yuan. If he dies in the future, the relevant benefits will be increased based on the continuous increase in the per capita disposable income of urban residents in the province where the district or city was located in the previous year.
Generally speaking, if you can receive such a pension for more than 30 years, the benefits are still very good. #December’s new financial forces#
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