The pension insurance payment is 406 months, that is, the payment period is 33.83 years. How much can the retirement pension receive?
In the eyes of many people, receiving a pension of 100 yuan a year is almost enough. 33. For 83 years of pension insurance contributions, you can receive at most 3,450 yuan, right? In fact, our retirement pension depends on the calculation and distribution base of the pension in the year of retirement, the payment period of the person, the average payment index of the person, the balance of the personal account of the pension insurance, the calculation and payment months determined by the retirement age, , and transitional Pension and many other factors. Now the requirement to pay 100 yuan a year to receive a pension is a bit too low .
Taking a retired old man in Sichuan Province as an example, how much pension can he receive with 33.83 years of service? The old man started working in September 1978 and retired in October 2022, but the total payment period is 406 months.
According to the pension calculation formula, pension benefits mainly include basic pension, personal account pension, and transitional pension .
The part of the basic pension is mainly related to three factors: the pension calculation base of the year, the average payment index of the person, and the payment period .
The average salary index of this old man is 0.87, and the payment period is 33.83 years, so he can receive 31.63% of the pension calculation base in Sichuan Province.
The pension calculation and payment base in Sichuan Province in 2022 is 7,822 yuan, which is still at a medium to high level in the country. Therefore, the basic pension benefits are equal to 2,474 yuan.
Personal account pension , which is equal to the number of months when the balance of the pension insurance personal 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 the age of 60 is 139 months, so the personal account pension treatment is 398 yuan.
In fact, for the people who have participated in the insurance these years, the pension benefits are only basic pension and personal account pension. But for the elderly who joined the work earlier, they still have the transitional pension before the establishment of the personal account system.
The old man’s deemed payment period is 166 months, and the payment period (including the deemed payment period) before the establishment of a personal account (before January 1, 1996 in Sichuan Province) is 208 months.
Transitional pension is equal to (pension calculation base + my own indexed average monthly payment salary ) × payment period before the account is established × transitional coefficient (1.3%), and the final transitional pension is still 1647.67 yuan .
In fact, when implementing the personal account system for pension insurance, in the past, because people did not accumulate personal accounts, transitional pensions can be regarded as a kind of compensation for the lack of treatment for the lack of personal account years.
In addition, Sichuan Province will also have increase the pension part. This is mainly for the special circumstances of some senior professional titles, winners of provincial and ministerial honor awards, and parents of only children. The general treatment is that the annual payment period increases by 0.1% of the indexed payment salary of the individual. However, the old man did not.
The above parts are added together, and the final basic pension is 4520.48 yuan.
In fact, this is just the beginning of receiving pension benefits, and it will soon enter 2023, and the pensions of retirees will further increase.
If the pension adjustment plan of Sichuan Province in 2022 is followed, the old man will increase the basic pension by 38 yuan, adjust it by 36 yuan according to the payment period, and adjust it by 49.72 yuan according to 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 allowance and survivor's pension. Even if he dies in 2022, the relevant treatment can reach 89,000 yuan. If the deceased dies in the future, the relevant treatment will be increased according to the continuous increase of the per capita disposable income of urban residents in the province where the district or city is located in the previous year.
Generally speaking, , being able to receive such a pension for more than 30 years, the treatment is still very good. New financial forces in December
