My mother paid 140,000 yuan for insurance, and when she retired and found that the pension was only 1,000 yuan, she was stunned on the spot, and she miscalculatedSocial security is an important social security system, which aims to provide workers with five tactical guarantees: pension, medical care, unemployment, work-related injury and maternity. However, in real life, we have found that there are many employees who receive pensions after retirement that are quite different from expectations. This article will analyze the possible problems in the process of pension calculation from the actual situation, and invite readers to share their own views.
We need to understand how pensions are calculated. According to relevant reports, the calculation method of pension mainly includes the following aspects:1Individual contributions: The individual contributions are the pension insurance premiums paid by employees during the insurance period2.Average social wage: The average social wage is the average monthly wage of employees in the area where the insurance is located in the previous year3.Payment period: The payment period is the number of years that the employee actually pays the pension insurance premiums during the insurance period.
Why is there a situation where my mother paid 140,000 yuan for insurance and found that the pension was only 1,000 yuan when she retired?There could be several reasons for this:
1.Calculation error of the individual contribution part: The individual contribution part is the pension insurance premium paid by the employee during the insurance period. However, in the actual calculation process, there may be cases of calculation errors. For example, there may be problems such as undercounting, double counting, etc.
2.Calculation error of average social wage: The average social wage is the average monthly wage of employees in the area where the insurance is located in the previous year. However, in the actual calculation process, there may be cases of calculation errors. For example, there may be problems such as inaccurate data collection and non-standard calculation methods.
3.Calculation error of the payment period: The payment period is the number of years that the employee actually pays the pension insurance premiums during the insurance period. However, in the actual calculation process, there may be cases of calculation errors. For example, there may be problems such as undercounting, double counting, etc.
My mother paid 140,000 yuan for insurance, and when she retired, she found that the pension was only 1,000 yuan, and there may be some problems in the pension calculation process. While enjoying the policy dividends, we should also pay attention to the implementation effect of the policy to ensure the smooth implementation of the policy. At the same time, we should also pay attention to the improvement of policies to ensure the rationality and effectiveness of policies.
What are your thoughts on possible problems in the pension calculation process?What do you think should be done to solve these problems?Welcome to leave a message in the comment area to share your views and suggestions, let us work together to better improve the pension system and protect the pension rights and interests of employees.