All of the statements in this article are reliable** at the end of the article.As the ultimate goal of migrant workers, retirement policies have always been something that migrant workers pay close attention to. Many people really survived until retirement, got a retirement certificate, and chatted with their old brothers and old friends when they retiredThe color of the cover of the retirement certificate will be different
The color is different, and it is easy to think of whether there will be a different treatment after retirement. So the question is, is there any difference between different colors of pension certificates? Will it affect retirement benefits?
At present, the color of the cover of the retirement certificate is still the mainRed, green and blue
It has been said that different colors of covers represent different pension units, and they also have different retirement benefits.
This statement arguesThe red retirement certificate is issued to civil servants and retirees of public institutionsto enjoy higher retirement wages and benefits; The green retirement certificate is issued to the retired employees of the enterpriseThe blue retirement certificate is issued to retirees who are flexibly employed and pay their own pension insurance, pension and benefits are the worst.
This claim is widely circulated on the Internet, but there is no official policy to back it up.
In fact, a long time ago, the format of our retirement certificate was relatively uniform, and the packaging color of the cover was also the rare "pork liver red" color.
Later, in 2010, the Ministry of Human Resources and Social Security of the People's Republic of China also issued a new notice on the style of retirement certificatesThere is no uniform regulation on the color of the skin of a retirement certificate.
In addition to the retirement certificates of employees of ** directly affiliated units, which need to go to Beijing to collect them in a unified manner, the retirement certificates of residents of various provinces and cities are printed and issued by the local social security department.
Each place can decide for itself what color to print, which has led to the presentRetirement certificates are becoming more and more coloured on the cover
Of course, some people will find that even acquaintances who work in different units in the same area will have different colors on their retirement certificates.
This situation arises because the human resources and social security departments to which the labor contract is signed are different. Many people live and work in this city, butLabor relations, however, are in another city, and retirement certificates are issued according to the standards of another city
So another question, is there any difference between pension and benefits between different colors of retirement certificates?
In fact, the pension and post-retirement benefits have little to do with the color of the retirement certificate.
Because an important factor in determining the amount of pension is the local minimum wage. The minimum wage varies from place to place, and the amount of pension is also different.
Since the retirement certificates in different regions are issued by the local Ministry of Social Security, there are differences in the color of the retirement certificate in different regions, but the relationship between the amount of pension and the color of the retirement certificate is just like that.
The amount of pension is not as said on the Internet, red is the best, blue is the second, green is the worst, but it is related to the local minimum wage level and the number of years that individuals have paid social security, and the specific calculation formula is also more complicated.
OverallSpecific pension per month = basic pension + personal account pension。The formula for calculating the basic pension is:The average monthly salary of local employees in the previous year of retirement x (1 + the average value of the person's contributions in previous years) 2x the year of payment x 1%., the calculation of the personal account pension is:Personal account storage amount is calculated for the number of months issued
Sounds complicated, right? But it's easy to understand. The amount of the basic pension depends on how many years of pension insurance you have paid and the level of local economic development.
The local economy is at a good levelThe average monthly salary of on-the-job workers will be higher, and the basic pension will be more。The same goes for pension insuranceThe more years of contribution, the higher the basic pension。At the same salary level, the pension of 30 years of pension insurance is more than the pension of 15 years of pension insurance.
The amount of personal account pension depends on the total amount of pension you have paid. Generally, the pension insurance paid by in-service employees every month is a certain percentage of their monthly salary.
Therefore, the higher the salary when on the job, the soThe more pension contributions you pay, the more you will receive in your personal account after retirement。For the same number of years of payment, a person with a monthly salary of 7,000 will have more personal account pensions than those with a monthly salary of 5,000.
Therefore, it can be seen that the pension after retirement is mainly related to the level of local economic development, and has nothing to do with the color of the cover of the retirement certificate. The more pension insurance an individual contributes, the longer he pays, and the more pension he will receive after retirement.
In addition to pension, other post-retirement benefits, such as medical insurance, have nothing to do with the retirement certificate, but mainly depend on the signature of the individual and the employerThe provisions of the labor contract and the employer's own welfare provisions
If the labor contract signed with the employer only stipulates that the employer pays pension insurance, then you will only have a pension after retirement, and the employer is not obliged to provide other benefits.
If the contract stipulates that the unit pays five social insurances and one housing fund, then after retirement, in addition to the pension, the employee can also enjoy the employee medical insurance benefits paid by the unit and the benefits of withdrawing the housing provident fund according to the contract.
Of course, if the employer is very humane, or there are other employee welfare regulations, retirees can naturally enjoy more benefits. This is also the reason why it is often said that the retirement benefits of civil servants and public institutions are better.
Although the retirement certificate has little to do with the specific retirement pension and benefits, it still has some other roles in life.
The first is to receive a pension. However, this use has now almost been replaced by the function of the social security card, and the retirement salary will be paid to the social security card on time every month, and people no longer have to go to the counter to collect it.
The second is to prove the termination of the previous employment relationship. Some people are retired but still have no time to spare and want to find a new job. This is to get a retirement certificate to prove that you have been free to work, and you can sign a new labor contract with a new employer to protect your legitimate rights and interests.
If the employer also helps employees pay housing provident funds before retirement, these housing provident funds can be withdrawn after retirement. However, in some places, you also need to show a retirement certificate to withdraw the provident fund, and after the provident fund is withdrawn, it is another pension security.
Of course, showing a retirement certificate can also enjoy certain preferential policies in some transportation and scenic spots, and the retirement certificate still has a lot of uses.
However, in today's information age, the retirement certificate has also reached the point of "retirement". Many people received an electronic retirement certificate when they retired, and left the unit without even taking a small notebook.
So do you still have a retirement certificate? What color is it?
Reference article:China News Service - What is the Retirement Standard? What does the pension have to do with it? Here comes the answer".
Worker** - The Past and Present of a Retirement Certificate