The retired personnel have 42 years and 1 month of service, but the pension is only 3,300 yuan, is it reasonable? How is it calculated?
In most areas, the pension treatment after retirement can be more than 4,000 yuan, but for a small number of retirees, because the personal payment conditions and the pension base of the retirement place are relatively low, so the pension treatment after retirement is also possible within 4,000 yuan.
For example, this retired employee with 42 years and 1 month of service will retire in January 2024, but the pension is only 3,300 yuan, how is this amount calculated and is it reasonable?
Next, let's recalculate his pension according to the actual situation of this retiree!
The retirement place of the enterprise retiree is Guangxi, when going through the retirement procedures, the total payment period is 42 years and 1 month, and the deemed payment period can be recognized as 10 years and 6 months, because the usual payment base is relatively low, so when handling the retirement procedures, the balance of the pension insurance personal account is only 5736627 yuan, in the case of a deemed contribution index of 1, his average contribution index is only 06694, that is, the average of his actual contribution index is not 06, just close to 06 that's it.
And because Guangxi's pension base is relatively low, in the case that the local pension base in 2024 has not been announced, Guangxi's pension base in 2023 will only be 6629 yuan, so according to the above data, the advance pension of the retired personnel is indeed only 330021 yuan.
Among them,There are 57,366 pensions in personal accounts27/139=412.71 yuan, the basic pension has 6629 * (1 + 0.6694）/2*42.08*1%=2328.38 yuan, the transitional pension has 6629 * 06694*10.5*1.2%=559.$12
It can be seen from the above calculation process that the pension of the retired personnel is not miscalculated, however, his pension treatment is prepaid, not a formal personal pension, and after the local pension calculation base in 2024 is announced, the pension of the retired personnel will still be recalculated, but for now, the pension of the retiree is only 3300 yuan is reasonable.