Pension calculation rules, these three aspects will have an impact, know early and benefit early
Friends who are about to retire, you should understand these three points as soon as possible, which will have an impact on the pension
With the increase of age, after people reach middle age, most people no longer have their original dreams. Although life has to go on and continue to persevere in their jobs, more friends have already cared about their pensions. The problem is, after all, life after retirement depends entirely on pensions; with the improvement of China's pension system, more and more retired seniors are accustomed to calling the pensions they receive retirement wages, but they do not know that they have received them Money is affected by many factors; in the real workplace, there are a large number of elderly people who have paid social security for decades, and in the end they only have a pension of one or two thousand a month, and even some elderly people receive only enough money for themselves. To eat and drink, I don't even have money to buy snacks for my grandchildren.
My friend Xiaojie's father is a sanitation worker. When Xiaojie's father was working in this job more than ten years ago, he was greeted with cold eyes by his friends. At that time, many people were saying, what kind of work should he do at a young age? Not good, I have to go to the street to do the job of cleaning garbage, which is looked down upon by many friends; just a few days ago, Xiaojie's father retired, just when others laughed at not saving much money in his life, Xiaojie declared to everyone His father had a pension to receive every month, which made everyone very envious. After all, many people saved a lot of money when they were young, but they could not receive any pension; Xiaojie’s father’s social security was in accordance with the Xiaojie's father, who was paid at the lowest level, didn't know anything about social security. It was a happy thing to have a pension to receive.
China's social security policy is gradually improving, and the goal is to enable all the elderly to be able to support their old age after retirement, so that they can enjoy their old age; since the country began to implement the old-age insurance system, the money retirees receive is pension Different types of work, different bases paid at work, and different regions will affect the pension that everyone receives; the current calculation method of pension benefits is really too complicated, after all, the state wants to unify pension insurance in front of all employees across the country System; the higher the payment base and the longer the payment time, the more pensions you will generally receive when you retire. The current minimum payment conditions are at least 15 years of accumulated time; Let's share, three aspects that affect pension collection, friends who want to know, quickly follow the editor to take a look!
- The basic pension will be calculated according to the local social average wage
The social security payment base in each region is different, and the amount of money received is also different. Usually, the pension is calculated according to the local average salary; some better units will pay social security strictly according to the actual salary. Payment, in this way, the leader’s expenses after retirement will be more; however, the general policy for receiving pensions is still paid in accordance with the requirements of the province and city; the local average salary is generally calculated according to non-private employers. To calculate, the average salary income is the upper and lower limits of the social security payment base; according to the current policy, it is a bit unrealistic for private companies to arrange 100% of the salary level in Ghana.
- The transitional pension policy affects the pension received
In the past period of time, due to imperfect policies, some people's payment base was too high, and some people reached retirement age and started to make a one-time supplementary payment. It is said that there are indeed a lot of injustices; but the relevant state departments are gradually improving; those who have paid social security for 15 years cumulatively will have a transitional policy when issuing basic pensions and personal account pensions. The current The calculation method is also determined by each province, but how much you receive will generally be affected. Therefore, the transitional pension policy is affecting the pensions received.
- The policy of annual pension adjustment
The current pension policy is not static, but adjusted according to the annual policy; the one that remains unchanged is commercial insurance, which is different from the pension issued by the state; the social pension policy is based on the local average salary. and relevant departments are constantly improving the pension collection policy; for the elderly who have retired, with the improvement of the per capita consumption level of the society, the annual increase in the pension level is also quite large, and the purpose is to ensure the retiree’s income. Living standard; With the continuous development of China's economy, the pension level in the future will be able to grow steadily.