Kunpeng Project
After the pension merger, how will the pension gap between public institutions and enterprises change?
In October, the pension system will be fully implemented, which is a good thing for many retirees.
In this context, this paper takes the employees of an enterprise with 7,000 yuan and 2,000 yuan as the research objects to study the impact of the income difference between urban and rural residents.
The merger of pension insurance is a major measure aimed at fundamentally remedying the inequities in the pension system.
In the past, there were great differences in the methods and standards for accounting for pensions between government agencies and enterprises.
Generally speaking, the pension of the employees of government agencies is higher than that of the employees of government agencies.
In October, with the reform of the pension insurance system, the calculation method of pension insurance will also become more consistent.
After the implementation of the reform of the pension insurance system, the payment period, payment base, payment ratio and personal account cumulative payment ratio are important contents of the reform of the pension insurance system.
This paper compares the income of urban and rural residents with pensions of 7,000 yuan and 2,000 yuan respectively for employees of government agencies and enterprises.
First of all, we need to have a comprehensive understanding of the combined pension insurance system. The calculation of the post-consolidated pension is assumed to be as follows:
Basic Pension + Personal Account Pension.
In these cases, the basic pension is calculated according to the following formula:
Basic pension = average salary of employees in the previous year * length of service paid * insurance rate paid + accumulated amount in personal account.
Personal account pension = accumulated amount of personal account contribution month.
It can be seen from the combined calculation formula that the payment period, payment base, payment ratio and cumulative payment of personal account are important factors affecting the level of pension insurance payment.
In this example, the pension of the institution is 7000 and the pension of the company is 2000.
We can assume that the retired employee's contribution period, contribution basis, contribution ratio and accumulated amount in personal account are the same.
In this case, the combined pension will become 7,000 yuan, 2,000 yuan.
However, the reality is often more complex. After the merger, the inequality will be alleviated by the harmonization of accounting methods.
However, for those who have retired, it will take some time to close the gap, as the merger is a gradual process.
Generally speaking, the implementation of the "two unifications" is conducive to reducing the difference in pension insurance between government agencies and their employees, and enhancing the fairness of the social security system.
This is a boon for most retirees. However, it is important to know that the actual amount of pension will also be affected by local policies and the average salary of employees.
All in all. At the end of the day, the pension insurance system will be implemented nationwide, which is definitely a big deal.
Through the above research, it can be seen that after the implementation of the reform of the social pension insurance system, the difference in pension insurance treatment between institutions and enterprises will be compressed to a certain extent, thereby promoting the fairness of the pension insurance system.
However, the exact amount of pension will also be affected by local policies and the average salary of employees. Please familiarize yourself with the policy in advance so that you can prepare for your retirement.