Speaking of pensions, the elderly are particularly concerned, looking at the heights, some are more than 10,000, looking at the low, more than 1,000, and then looking at the lows, more than 100, but the good health and the winner is the one who receives it for a long time. Let's talk about the difference in pensions today?
1. Poor insurance status
Endowment insurance is divided into endowment insurance for government institutions and institutions, endowment insurance for enterprise employees, endowment insurance for flexible employment personnel, and endowment insurance for residents. There is no risk, only the income and the money, of course, is the employee pension insurance and resident pension insurance, from the perspective of investment income, government institutions and enterprise staff pension insurance employees only pay the personal part, the first period is about 3 years, the resident pension insurance for nearly 10 years, and the pension insurance for flexible employment personnel also needs 6-7 years.
In the same overall place, all kinds of insured persons have the same identity, the same age, the same amount of payment, the same number of years of payment, and the same treatment. Affected by the policy, pay the same amount of money, the insurance status is different, the money received is different, and some pay more but the treatment is low. For example: two insured, the same length of service, the age is 40 years, the index is the same, the same year of retirement, the company's personal account is 8-90,000 more than the career, but the retirement treatment is lower than the career, why, the length of service before October 2014 in public institutions is regarded as the same, the deemed payment period in addition to the basic pension is also a transitional pension, of course, much higher.
Second, regional differences
The area here is the overall planning, the general situation refers to the provinces (municipalities, autonomous regions) overall planning, mainly reflected in the method selection and proportion of transitional pensions, the calculation of the number of years, the establishment of a late account on the contrary to receive more, as well as the increase in pension insurance benefits, the implementation of different policies in various places, resulting in too much difference in treatment.
Third, the base difference
From 2019, in order to reduce the burden on enterprises, the payment base is reduced, but the treatment base is still rising, which is indeed a kind of welfare, but the growth ratio of the payment base and the growth ratio of the treatment base are different, resulting in poor treatment
Fourth, the calculation method is poor
(1) The calculation of the average index, relatively speaking, the average index calculated on a monthly basis is more fair than the index calculated on an annual basis.
(2) Adoption of the average index. The average index of the basic pension, some use the paid-in index, and some use the deemed + paid-in index. Some transitional pensions are set indexes, some are basic pension indexes, and some are based on the average index of a certain period of time
(3) Interest calculation method. The arrival method is fairer and more reasonable than the annual or monthly interest method
(4) The number of months corresponding to the age of the individual account. Some are based on the age of the year, and some are in imaginary numbers. For example, if an insured person was born in August 1962 and applies for a pension in October 2023, some will be paid for 139 months, and some will be paid for 132 months
(5) Measures for capital adjustment. Quota adjustments, height limit adjustments, and proportion adjustments will also cause pension differences.
5. Special Tips
Pension is the implementation of laws and regulations when the specific implementation of the normative documents, there must be differences, different periods, different objects apply different policies. "Pay more for a long time, pay more for more" is more reflective and positively correlated for the later insured.
From the point of view of insurance status, government institutions, monopoly industries, state-owned enterprises and other units pay high, high salary, followed by enterprise employees only pay the individual part, less investment, fast, flexible employment personnel burden, there is a certain risk, in order to ensure the basic life of the elderly, but also have to pay, early payment is more cost-effective. For those who are not able to have economic strength and are old and have not participated in the employee pension insurance, they should also pay the resident pension insurance.
Insured personnel should look at the pension rationally, and it is reasonable for young people to participate in insurance and pay early.