Born in 1973, I have paid social security for 16 years, and I have just retired
My aunt has finally reached retirement age, and she has recently gone through the retirement procedures in a hurry, looking forward to a better life after retirement. Because she saw that some of her colleagues retired last year, the pension was at least more than 3,000 yuan, and she felt that the local minimum wage had reached 1,900 yuan, and the pension would definitely not be less. But,When my aunt finished her retirement and saw the pension figure in front of her, she was stunned. I once thought that this was a miscalculation by the social security department, and I went to the local social security department to verify it.
It turned out to be this amount, and there was nothing wrong with that. My aunt suddenly felt disappointed and depressed, and the whole person was uncomfortable for several days. No, when I was chatting with me, I was still talking about it, and I couldn't let go of it. So, how much is my aunt's pension, and why does she feel this way?
Auntie's insurance information is like this, she was born in 1973, retired at the age of 50 this year, the number of months of pension is 195 months, and her pension insurance personal account balance is 70,000 yuan, pension insurance payment index 14, and her payment period is only 16 years, which is not long. Let's take a look at the local pension calculation base, the amount is 8,300 yuan.
Based on the above data, I will calculate my aunt's pension. My aunt's pension is composed of two sums of money, the basic pension and the personal account pension, and there is no transitional pension, because she has not been deemed to have paid for the same number of years.
Among them, the basic pension is equal to the pension calculation and issuance base (1 + pension insurance payment index) 2 pension insurance payment period 1%, substituting the above data is 8300 (1 + 1.4) 2 16 1% = 1596 yuan.
Personal account pension is equal to the balance of the personal account of the pension insurance The number of months of pension calculation and issuance, substituting the above data, is 70,000 yuan 195 = 359 yuan.
In the end, the pension that the aunt can receive is 1596 + 359 = 1955 yuanThis amount is slightly higher than the local minimum wage of my aunt, so it's no wonder that my aunt feels sad.
According to her aunt, her colleagues' pensions are very high, and the local minimum wage is not low, so she should not get such a small pension.
I told my aunt that the pension level has nothing to do with the local minimum wage, and you can't speculate your own level based on the pension of your colleagues, because everyone's contribution is different. For example, your pension insurance payment period is only 16 years, which is obviously a relatively short length of service, but fortunately, your pension insurance payment level is relatively highThe personal account of endowment insurance can reach 70,000 yuan, and your local pension calculation base is also relatively high, so that your pension can reach nearly 2,000 yuan, otherwise your pension may be more than 1,000 yuan.
I told her again that many people who have worked for twenty or thirty years have a pension at this level. After listening to my explanation, my aunt was relieved and figured it out, I feel that my retirement time is relatively early anyway, plus I have medical insurance treatment, I don't have to continue to pay, and the old-age security is also good.
To sum up, born in 1973, retired at the age of 50 this year, the payment period is 16 years, if the payment level is not high, the pension is more than 1,000 yuan, like my aunt, because the level of pension insurance payment is still relatively high, the pension she got is only nearly 2,000 yuan, which is already good.