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The payment grade is 60%, why is the average payment index 0519？Isn't the pension very low?
When the insured person goes through the retirement procedures, the longer the individual payment period and the higher the payment grade, the higher the pension treatment after retirement.
Here's what needs to be said:The payment grade of the insured personnel is not directly involved in the calculation of the pension, but is converted into the corresponding payment index according to the regulations, and then the average payment index of the insured personnel over the years is calculated, so far, the average payment index can participate in the calculation of the pension
According to the regulations, the payment grade of the insured person is 60%, so the payment index of the month is 06. If the payment grade of the insured person is 60% for several consecutive years, then the payment index for these years is 06, but if the payment grade of the insured person is different, the average payment index that can be calculated is not 06, but other data.
For example, this insured person in Heilongjiang has paid 60% of the payment grade in recent years, but the previous payment grade was relatively low, so when calculating the pension, his average payment index was only 0519, and did not reach 06 levels.
It is precisely because his average contribution index is relatively low that when he retires, his personal account balance is only 4862933 yuan, the payment period is 29 years and 3 months, of which the deemed payment period is only 1 year and 9 months, retirement at the age of 60, the pension after retirement is not very low
According to the calculation of the contribution data of this insured person, after the retirement procedures, his pension treatment is only 184838 yuan, of whichThere are 48,629 pensions in personal accounts33/139=349.85 yuan, the basic pension has 6430 * (1 + 0.).519）/2*29.25*1%=1428.45 yuan, the transitional pension has 6430 * 0519*1.75*1.2%=70.08 yuan
Through the above calculations, it can be seen that the pension treatment of this retiree is indeed relatively low, only more than 1,800 yuan per month, which is a relatively low level in the country, but there is no big problem in ensuring basic pension expenses.