The pensions of retirees vary widely, some are only one or two thousand, and some can reach more than five or six thousand yuan, because everyone's pension insurance payment period is not the same. Let's take a look at the difference between the pension received after retirement for 16 years, 26 years, 36 years, and 46 years, and whether the gap will be very large.
Let's take a look at the principle of pension calculation, that is, long-term payment and overpayment, to calculate the level of personal pension, in addition to looking at the payment period, we also need to look at the payment level, only in this way can we better make a comparison. Assuming that the payment grade is 80%, let's look at the above-mentioned people with different payment years, how much pension they get.
1. The payment period is 16 years, the payment grade is 80%, and there is no deemed payment period, and the balance of the pension insurance personal account is 580,000 yuan, retired at the age of 60, the number of months of pension is 139 months, and the local pension base is 7,200 yuan.
Then his pension is composed of a basic pension and a personal account pension, where the basic pension is equal to 7200 * (1 + 0.).8) 2 * 16 * 1% = 1037 yuan, personal account pension is equal to 580,000 139 = 417 yuan, and the total pension is 1037 + 417 = 1454 yuan.
2. The payment period is 26 years, the payment grade is 80%, and there is no payment period, the balance of the pension insurance personal account is 90,000 yuan, and the local pension calculation base is 7,200 yuan.
Then his pension is also composed of a basic pension and a personal account pension, where the basic pension is equal to 7200 * (1 + 0.).8) 2 * 26 * 1% = 1685 yuan, personal account pension is equal to 90,000 139 = 647 yuan, and the total pension is 1685 + 647 = 2332 yuan.
3. The payment period is 36 years, the local pension insurance system was launched in 1995, there are 8 years of deemed payment period, 80% of the payment grade, the balance of the pension insurance personal account is 100,000 yuan, and the local pension calculation base is 7,200 yuan.
Then his pension consists of a basic pension, a personal account pension and a transitional pension, of which the basic pension is equal to 7200 * (1 + 0.).8) 2 * 36 * 1% = 2333 yuan, personal account pension is equal to 100,000 139 = 719 yuan, transitional pension is equal to 7200 * 08*8*1.3% = 599 yuan, and the added pension is 2333 + 719 + 599 = 3651 yuan.
4. The payment period is 46 years, the local pension insurance system was launched in 1995, there are 18 years of deemed payment period, 80% of the payment grade, the balance of the pension insurance personal account is 100,000 yuan, retirement at the age of 60, and the local pension calculation base is 7,200 yuan.
Then his pension is also composed of a basic pension, a personal account pension and a transitional pension, of which the basic pension is equal to 7200 * (1 + 0.).8) 2 * 46 * 1% = 2981 yuan, personal account pension is equal to 100,000 139 = 719 yuan, transitional pension is equal to 7200 * 08*16*1.3% = 1198 yuan, and the added pension is 2981 + 719 + 1198 = 4898 yuan.
It can be seen that the payment period is 16 years, 26 years, 36 years and 46 years, under the same conditions, there will indeed be a certain gap between the pensions obtained, such as the payment period of 46 years, the pension can reach more than 4,000 yuan, and the payment period is 16 years, the pension is generally more than 1,000 yuan. Of course, if the latter has a higher level of payment, such as 16 years of payment, but the payment grade is 300%, then the pension can also reach more than 3,000 yuan.
Sum up. The difference in the number of years of pension insurance payment will have a certain impact on the level of pension, and under the same conditions, the longer the payment period, the better the treatment will be. For example, people who also pay according to 80% of the grade and have paid for 46 years have a pension of more than 3,000 yuan more than those who have paid for 16 years. Therefore, we still need to keep paying as much as possible when we participate in the insurance, so that we can get better treatment after retirement.