Since 2019, after the implementation of the full-caliber provincial average salary as the base payment of pension insurance premiums, the treatment base and 100% of the payment base have begun to separate, and the payment base is lower than the treatment base, which is also a kind of welfare for the insuredSichuan announced that the pension insurance treatment base was 8,079 yuan, an increase of 3 over last year285%, compared with other provinces and cities. A friend asked whether the monthly pension repayment would increase in proportion to the increase
Insured person A, the payment period is 501 months, the transitional pension calculation period is 167 months, and the average index is 1356, personal account balance 15823465 yuan, retirement at the age of 60 in October 2023, advance pension 709521 yuan, and the pension is 7290 according to the treatment base in 202392 yuan, an increase of 2758%, why is it lower than the proportion of the growth of the treatment base, because the personal account pension generally does not increase with the proportion of the growth of the treatment base.
Is there a pension supplementary growth ratio that exceeds the growth ratio of the treatment base, there must be, all localities do not calculate the balance interest of the current year when designing the advance treatment, such as the insured person's personal account balance of 200,000 yuan in 2022, and 1,500 yuan per month from January to October 2023, according to 397% interest calculation, the current year's interest is 68896 yuan, the pension of the individual account increased by 4956 yuan, an increase of 34% if the interest rate is 397% is still high, and there is still a lot of growth. On the contrary, if the advance benefit of the insured place is based on the interest rate of 6 of the previous year12% calculates the interest of the year of retirement, and the individual account pension should be lower than the advance payment, and the growth ratio must not reach the growth ratio of the treatment base. There are also places where the interest of the current year's personal account is not calculated, which I personally think is inappropriate.
Special reminder, pension insurance recalculation is a normal business, the insured to pay for the pension is a fixed amount, the system will automatically reissue the treatment, do not have to be entangled in how much growth, how big is the growth ratio?The increase is affected by the treatment base, the interest rate of the current year and the interest calculation method, and it will generally be lower than the growth ratio of the treatment base, and it may be exceeded, which is what the insured deserves.