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The issue of pensions has always been a matter of great concern, because for the elderly, being able to receive a pension every month is the happiest thing for them. But recently, many elderly people are full of worries, because there is news that retirement in different months has a great impact on pensions.
So is that really the case?
In fact, when the time of retirement is approaching, the choice of retirement time becomes even more important. This is related to the financial income after retirement, but also related to the quality of life after retirement.
There are many opinions about when to retire, but when is it more cost-effective to retire?Let's look at how pensions, pension adjustments, and personal factors are calculated. I hope it can help you choose your retirement time.
1. What is the impact of the month on the calculation base of the pension?
Retiring in December is more of a loss than retiring in January of the following year." The inference of this statement is that the pension base on which the retirement is based is different each month, resulting in a difference in the pension.
Is this really the case?Regardless of the month of retirement, the base of the pension is calculated based on the data released by the human resources and social security departments in that year. Take Beijing as an example, whether it is retirement in December last year or January this year, the 2022 data is used as the calculation base.
Therefore, from the perspective of the amount of pension received, the difference in the month of retirement will not affect the calculation of the pension. This conclusion applies to most parts of the country.
Second, the progress of the examination and approval of pension materials has a significant impact on pension collection
Although the calculation of the pension has nothing to do with the month, we will still see some people feel that retiring in December is a "loss". The reason for this is that the pension adjustment in the current year is related to the progress of retirement approval.
For example, if an employee who submits a retirement application in December is delayed until January of the following year due to various reasons, they are likely to miss out on the previous year's pension adjustment. This means that they will only start to enjoy the increased pension in January of the following year, which is equivalent to "enjoying it" a month later than those who retire on schedule.
On the contrary, if you retire in July and August, you will not only receive the original pension, but also include it in the adjustment for the following year. The adjusted pension can be received from January of the following year.
Therefore, the progress of pension approval has a significant impact on the receipt of pension. Grasp the progress of the approval of pensions, and complete the approval procedures in a timely manner, and the difference between months of retirement is not large.
Third, personal factors are also important
Of course, the choice of retirement time, in addition to economic income and pension adjustment, is also very important to combine the actual situation and needs of individuals.
For example, some people think that retiring early can give them the freedom to enjoy a good retirement life sooner. And some people want to work until the end of the year and earn more wages. These individual thoughts and factors can all influence people's choice of retirement time.
However, it is the policy of the unit that is the most important determining factor. Some organizations allow employees to choose early retirement according to their own wishes, while others need to meet the number of working months requirements before they can retire. Therefore, it is also important to understand the policy of the unit.
Fourth, reaching the retirement age is the most critical factor
When choosing the retirement month, whether the employee has reached the retirement age stipulated by the state is a prerequisite for retirement and pension. Regardless of the date of approval, the payment of pensions is calculated from the month following the retirement age standard.
For example, if a man's retirement age is 60 years old, and he completes the retirement procedures in the month of his 60th birthday, he can receive his retirement salary from the month following the completion of the procedures. Even if you don't go through the formalities until you are 61 years old. His pension also starts the month after his 60th birthday.
Therefore, instead of worrying about the specific month of retirement, it is better to grasp the progress of the retirement procedures and ensure that the retirement procedures are handled in time after reaching the retirement age and the retirement benefits are enjoyed in time.
5. The sooner you retire, the sooner you can start enjoying retirement
Most people want to retire early, and retiring early means having more time and energy to enjoy retirement. You can do what you like earlier and go where you like. You can also spend more time with your family.
In short, in order to ensure a smooth retirement process and receive a pension, we must understand the specific requirements and policies of the unit in advance, and we must reach the age of success. Think carefully about the right month for retirement.