When it comes to pensions, the old are concerned, and the young also want their parents' pensions to be high, and the pensions of different identities are high and bottom, but from the policy level, different insurance objects apply different policies and regulations, and different identities dock different policies
1. Basic information of the insured.
A and B two insured, the same age and the same year to participate in the work, the payment grade is 60%, A is a special type of work, 55 years old to apply for retirement, the total length of service is 361 months, the average index is 0601, personal account 6010536 yuan, the transitional pension is 85 months, and he applied for retirement in December 2018 and began to receive it in 2019, with an initial pension of 233899 yuan, enjoy the capital adjustment policy from 2019 to 2023, and the monthly pension is 246967 yuan, 257179 yuan, 268492 yuan, 278866 yuan, 289323 yuan, a total of 160899 pension for five years24 yuan. Insured person B continues to participate in the insurance and pay as an individual, with a total payment of 46,870 yuan in 5 years. Applying for retirement in December 2023, the total length of service is 421 months, and the average contribution index is 0602, personal account balance 10358905 yuan, the transitional pension is calculated and paid for 85 months, and the pension is 3782$11.
Second, the level of pension and benefits.
a) Late retirement pension is high.
1. Assuming that the insured person B does not pay for the next five years, the balance of the individual account is calculated as 8073502 yuan (including interest from 2019 to 2023), and the calculated treatment is 326981 yuan.
2. Suppose that the insured person B continues to pay until retirement, pays 46,870 yuan, and the pension is 3,782$11.
2) Comparison of benefits received for late retirement.
The pension received for five years of early retirement 160899The pension insurance premium paid for 24+ late retirement is 46,870 yuan, totaling 20776924 yuan, late retirement benefit 378211 yuan than early retirement 289323 yuan more than 88888 yuan, 10666 more than a year56 yuan, B insured person to 1947 years (20776924รท10666.56 yuan 1947) in order to be equal to the pension received by A. This means that B will not receive until he is nearly 80 years old to be equal to what A receives. The annual proportional capital adjustment and the length of service tilt capital adjustment have little impact and are negligible.
B does not renew, only the interest and base growth of the account for the pension increase, late retirement benefits 326981 yuan than early retirement 289323 yuan more than 37658 yuan, 4518 more than a year96 yuan, 35In 6 years, the pension received by insured person B will be the same as that of insured person A.
It is concluded from the above that in general, the pension for late retirement is high, but due to the impact of capital adjustment, interest rate, base **, etc., the pension received by late retirement should be the same as the pension received by early retirement, and you need to take care of your body, and the longer you receive it, the more you can make money.
Of course, for the monopoly industry with good enterprise efficiency, the payment base is high, the individual only bears 8%, and the on-the-job treatment is also high, even if it is a special type of work, there is no need to retire early, which is also the reason why many women with good benefits of the enterprise post change to the retirement age, and the laid-off and unemployed who participate in the insurance and pay as an individual are still better to retire early according to the policy.
Remind the insured to pay early and long-term payment on time, and declare it when it is time to retire.
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