In the journey of life, retirement has become a moment that every urban worker will face. For you who are about to enter retirement, or who have ushered in this important moment, you can't help but be concerned about a key question: 40 years of service, you will retire at the age of 60 in January 2024, how much can you receive a temporary pension per month?This article will take this hot topic as a starting point to deeply analyze the composition, latest policies and actual calculation methods of urban employee pensions, so as to help you clarify the context and clarify the future.
In an in-depth understanding of the pension issue, we can find that the level of basic pension is directly related to the vital interests of retirees who participate in the basic pension insurance for urban workers. As the only way for retirees to obtain economic income after the age of 60, pensions have attracted widespread attention. According to the data of the "2022 Statistical Bulletin on the Development of Human Resources and Social Security".We can roughly calculate that the monthly per capita basic pension level of retirees participating in urban employee pension insurance in 2022 will be about 3,600 yuan. This data reflects the level of living security of retirees, which has an important impact on social stability and the well-being of the elderly group. Therefore, raising the level of basic pensions and improving the living conditions of retirees is one of the problems that need to be solved urgently in the cause of social security.
The composition of the basic pension of retirees in enterprises and institutions mainly includes three components: basic pension, personal account pension and transitional pension. First of all, the basic pension is calculated according to the pension calculation base of the region in which the year of retirement. The calculation formula is the basic pension = (pension calculation base (1 + average contribution index of the person)) 2 1% of the payment period. Among them, the pension calculation base will be adjusted annually according to the change in the average monthly wage level of on-the-job employees.
It is worth noting that the average payment index reflects the level of individual contributions, which is commonly referred to as the payment grade. The payment grade is generally between 60% and 300% of the average monthly salary of social employees, and the average contribution index of retirees in the entire social enterprise and institution is 09。
Secondly, the personal account pension is calculated according to the amount of personal account storage and the number of months. The amount of personal account storage includes the part of the individual contribution of the pension insurance paid by the employees of enterprises and institutions every year, which is accumulated and calculated according to the payment period. The higher the payment base and the longer the payment period, the more the amount of pension accumulated in the personal account.
Finally, the bridging pension is established taking into account the number of years of contributions and other factors before the establishment of the personal account. The calculation formula of transitional pension includes the pension calculation and payment base, the average contribution index of the individual, the payment period before the individual establishes a personal account and the calculation and payment coefficient of the transitional pension. The relationship between these factors is complex, but in general, the amount of the transitional pension is related to the individual's contribution history and local policy provisions.
In general, the basic pension of retirees in enterprises and institutions is composed of these three parts, each of which is affected by different factors, and finally forms a comprehensive pension system.
According to the information provided, it is assumed that the retiree is from Fujian, has 40 years of service, and has a personal account storage amount of 150,000 yuan. According to the pension insurance regulations in Fujian, the following is the calculation process of the temporary pension:
1.Basic Pension:The calculation and distribution base of the basic pension insurance for urban employees in Fujian in 2023 will be used as a reference. Suppose the base is 7528 yuan per month (the data is the pension calculation base in 2023). According to the formula: basic pension = calculation base contribution index 2 length of service pension ratio. Let's assume that the contribution index is 09. If the length of service is 40 years and the pension ratio is 1%, the basic pension is: 7528 yuan per month9 ÷ 2 × 40 × 1% = 2860.64 yuan month.
2.Personal Account Pension:It is calculated according to the amount of personal account savings and the number of years of pension insurance. Assuming that the amount of personal account storage is 150,000 yuan, the number of years of pension insurance payment is 96 years (that is, the length of service is 40 years, and the payment period before the establishment of the personal account is 12 years). Then the personal account pension is: 150,000 yuan 139 months = 107914 yuan month.
3.Transitional Pension:Calculated on the basis of the basic pension and contribution index. It is assumed that the calculation ratio of the transitional pension is based on the pension contribution index 12 months of the transitional pension ratio. Let's assume that the contribution index is 09. The transitional pension ratio is 13%, then the transitional pension is: 286064 yuan per month 09 × 12 × 1.3% = 1056.93 yuan month.
Adding the above three parts, we can get a temporary pension calculated according to the calculation base of the basic pension insurance for employees in 2023 as 2860 per month64 yuan per month + 107914 yuan month + 105693 yuan per month = 499671 yuan month.
It should be noted that the above calculation results are only examples, and the specific temporary pension amount needs to be determined according to the actual situation and local policies. Please consult your local authorities or professionals for accurate information.
To improve the level of pension after retirement, in addition to extending the payment period and increasing the payment base, you can also increase the pension of personal accounts through a variety of ways. Actively participate in pension investment, choose investment varieties with higher returns, effectively manage personal account pensions, and realize asset appreciation. At the same time, pay attention to the adjustment of the pension policy and keep abreast of relevant information in order to reasonably plan the way of receiving personal pensions. In addition, it is recommended to enhance vocational skills and increase income levels during the working period to provide a more fulfilling foundation for financial security after retirement. Through a multi-pronged approach, it is better possible to ensure a stable and adequate pension in old age.