With the intensification of population aging, the pension problem of urban and rural residents has attracted increasing attention. So, what is the calculation method for urban and rural residents' pensions?This article will elaborate on the following aspects.
1. Calculation method of basic pension
The basic pension refers to the basic old-age security given by the state to retirees, and its calculation method varies according to different regions and policies. Generally speaking, the calculation formula of the basic pension is: basic pension = basic pension + personal account pension.
1.Basic pension. The basic pension refers to the basic old-age security given by the state to retirees. The calculation formula is: basic pension = average monthly salary of local on-the-job employees in the previous year (1 + average contribution index) 2 1% of the payment period. Among them, the average payment index refers to the average value of the payment index of the insured person over the years, and the higher the payment index, the higher the payment level.
2.Personal account pension. Personal account pension refers to the balance of the personal account at the time of retirement of the insured person divided by the number of months. The calculation formula is: personal account pension = personal account balance number of months. Among them, the number of months is determined based on factors such as retirement age and the average life expectancy of the population at that time.
2. Special provisions on pensions for urban and rural residents
Compared with the basic pension for urban workers, there are some special provisions on the calculation method of urban and rural residents' pension. First of all, the payment standard for urban and rural residents' pensions is relatively low, and there is no unit payment part, all paid by individuals. Secondly, the pension age of urban and rural residents is generally low, which can be received at the age of 55 for women and 60 for men. In addition, the interest calculation method of the personal account of the pension of urban and rural residents is different from that of urban employees, and the fixed interest rate is generally used.
3. Suggestions for raising the pension of urban and rural residents
In view of the current problems, the following suggestions are put forward to improve the pension of urban and rural residents:
1.Raise the standard of contributions. Appropriately raise the payment standards for urban and rural residents, increase the balance of personal accounts, and thus increase the level of pensions for urban and rural residents.
2.Strengthen policy advocacy. Strengthen the publicity of the pension policy for urban and rural residents, so that more insured people can understand the policy regulations and advantages.
3.Raise the age of accounting. Gradually raise the pension age for urban and rural residents to alleviate the pressure brought about by the aging population.
4.Introduce multi-channel investments. Diversify the investment of personal account funds, improve the level of income, and increase the accumulation of pensions for urban and rural residents.
In short, the calculation method of pension for urban and rural residents is a complex problem that needs to be solved with the joint efforts of all sectors of society. Only by improving policies and measures and strengthening publicity and education can we better protect the pension rights and interests of urban and rural residents. List of high-quality authors