February** Dynamic Incentive Program
How much can the pension be increased by raising the contribution level to 100% in 2024? Is it cost-effective?
When the insured person goes through the retirement procedures, the higher the individual's payment period, the average payment index and the pension calculation base of the retirement place, the higher the calculable pension treatment, and how much can the pension be increased to 100% in the last year?
For example, the insured person who will retire in 2025, starting from 2024, will increase the payment grade to 100%, if the original payment grade is 60%, the increased payment grade will be 40% more than before, and the amount transferred to the personal account will also be increased by 40% compared with the previous one, and then the calculable personal account pension will be higher than before.
Because the payment grade is increased for one year, the insured personnel should go through the retirement procedures, so in the case of a short payment time, the personal account pension that can be increased is not too much, such as the local social security payment base of 7000 yuan, the payment grade will be increased to 100%, the amount of money transferred to the personal account can be increased by 224 yuan per month, and it can be increased by 2688 yuan a year, and the retirement age is 60 years old, the personal account pension will only increase by 1934 yuan.
Compared with the personal account pension, the increase in the monthly basic pension is not too much, for example, if you continue to pay according to 60% of the grade in the last year, the payment index will be 06, inIn the case of a pension calculation base of 7,000 yuan, the basic pension for one year is 7,000 * (1 + 0.).6) 2*1*1%=56 yuan
In the last year, the payment grade is increased to 100%, and the payment index is 1, under the condition that the pension calculation base remains unchangedThe basic pension for one year is 7000 * (1 + 1) 2 * 1 * 1% = 70 yuan, which is only 14 yuan higher than the basic pension of 60% according to the payment grade, and the amount that can be increased every month is not too much.
It can be seen that in 2025 for retirement, starting from 2024, the payment grade will be increased to 100%, and the monthly increase amount is less than 50 yuan.