Retirement is an important stage of life that everyone will go through, and the quality of life and happiness after retirement depends largely on the level of retirement benefits.
The level of retirement benefits depends largely on the accuracy of the retirement approval form, which is an important document that retirees must fill in and sign when applying for retirement.
It records the retiree's personal information, work history, contributions, etc., and is the basis for calculating the pension.
If there is an error or omission in the information on the retirement approval form, it may lead to an error in the calculation of the pension and affect the interests of the retiree.
Doesn't that sound scary? But, you know what? In the actual retirement approval process, many people make such mistakes, resulting in a lot of less pension for themselves.
Let's take a look at two real-life examples of how they made mistakes and what consequences those mistakes had on them.
Lao Li's story: due to the omission of work experience in the file, the problem of pension calculation error
Lao Li is a retiring civil servant who has been working since 1980 and will work until 2024, with a total of 44 years of work experience.
According to the regulations, his pension should be calculated on the basis of his average salary and years of service, which refers to his average salary in the last 60 months, and years of service refers to the time from his participation in work to retirement.
Lao Li's average salary is 4,000 yuan, and his working experience is 44 years, so what should his pension be? According to the formula, his pension should be 5,760 yuan.
However, when Lao Li got the retirement approval form, he found that his pension was only 5,680 yuan, 80 yuan less than he expected, what happened?
It turned out that Lao Li's file omitted his two-year work experience from 1985 to 1987, which led to his working years being undercounted by two years, which affected the calculation of his pension.
Lao Li regretted it, why didn't he check his file in advance?
Now if he wants to correct it, it is too late, he can only endure this loss, and receive 80 yuan less pension every month.
Aunt Zhang's story: Due to the carelessness of signing the approval form, the number of years of work was underrecorded
Aunt Zhang is a retiring teacher who has been working since 1982 and until 2024, with a total of 42 years of work experience.
Aunt Zhang did not carefully check the information on the retirement approval form when she signed it, resulting in her working years being shortened by one year, which affected the calculation of her pension.
Now Aunt Zhang receives a pension of 840 yuan less every month, and she regrets it very much, why did she not personally participate in the retirement approval process? It's too late to correct it now.
The prevalence and impact of the problem
The story of Lao Li and Aunt Zhang is two typical problems that may occur in the retirement approval process, one is the problem of missing work experience in the file, which leads to the wrong calculation of pension, and the other is the problem of careless signing of the approval form and the number of years of work being underrecorded, which affects the pension.
Both of these problems are caused by inaccurate or incomplete information on the retirement approval form, and the information on the retirement approval form is an important basis for calculating the retirement pension, and any errors or omissions may have an adverse impact on the calculation of the retirement pension.
These effects, which may be one-time or long-term, may be small or large, but in any case, they are detrimental to the interests of retirees.
We must pay attention to the accuracy of the retirement approval form, not ignore any detail, and not take it lightly, otherwise, we may suffer a big loss and regret it like Lao Li and Aunt Zhang.
Solutions & Suggestions
So, how can we avoid errors in the information on the retirement approval form? How can we make sure our pension is calculated correctly?
In response to these problems, we give the following four suggestions, I hope it will be helpful to you:
1. Prepare in advance:Retirement approval is a complex process that involves a lot of documents and information, and we can't wait until retirement to prepare, but prepare in advance.
We need to check our files in time to see if there are any omissions or errors, and if so, contact the HR department or the Social Security Bureau in time to correct them.
We need to check our work records to see if there are any deficiencies or discrepancies, and if so, we should contact the unit or the Social Security Bureau in time to supplement or amend.
2. Personally participate in the processRetirement approval is an important matter related to our own interests, and we cannot completely leave it to others, but we must personally participate in it to ensure the accuracy of the information.
We need to personally check the information on the retirement approval form to see if there are any errors or omissions, and if so, point them out and correct them in a timely manner.
We must sign in person, confirm that our information is correct, and do not entrust others to sign on our behalf to avoid disputes or losses.
We have to receive the pension in person, check whether the amount is correct, and if there is a problem, we must give feedback and solve it in time.
3. Use of technical resourcesWith the development of technology, there are a number of technological resources that can be leveraged to facilitate and optimize our retirement approval process.
We can inquire and update our personal information, such as work history, payment status, etc., through online services, and promptly detect and correct errors.
We can view and manage our pension through the mobile app, and understand and grasp our retirement benefits.
We can transfer and pay pensions through WeChat, Alipay, etc., to avoid the risk and trouble of cash.
4. Keep copies of important documentsDuring the retirement approval process, there are many important documents involved, such as proof of employment, payment records, retirement approval forms, etc., which are evidence of our pension and we must keep them properly to prevent loss or damage.
We want to keep copies of these documents in case we need them, and if possible, it's a good idea to be able to scan or take a photo, save them on an electronic device or in the cloud for added security and convenience.
Summary
Ensure fair and accurate retirement benefits It is very important to sign the retirement approval form, and if you don't pay attention to these 4 points, the pension may be much less!
This is a fact that we must recognize, and it is a reason why we must act.
By preparing in advance, actively participating, leveraging technical resources, and keeping copies of important documents, we can avoid errors in the information on the retirement approval form, ensure that our pension is calculated correctly, and that we can enjoy a worry-free and satisfying retirement.
We hope that everyone who is about to retire or has retired will pay attention to this issue and take these measures to make their retirement life better!
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