With the great importance of education in the society and the concept of respecting teachers and valuing education deeply rooted in the hearts of the people, the retirement benefits that teachers can enjoy after hard work have always been the focus of everyone's attention.
The purpose of this article is to comprehensively interpret the current new regulations on teachers' retirement salaries in China and their calculation methods, and try to estimate how much teachers can receive in a month's pension. According to the provisions of the state on the reform of the pension insurance system for staff of public institutions in recent years, the retirement salary of teachers mainly includes two parts: 1Basic pension: The basic pension is calculated according to the number of years of payment before retirement, the payment base and the average monthly salary of on-the-job employees in the province in the previous year. The formula is:
Basic retirement salary = average monthly salary of on-the-job employees in the province in the previous year 1 + average contribution index of the person) 2 Payment period 1% Here, the "average contribution index of the individual" is the average of the ratio of the actual contribution base of the individual in the previous year to the average social wage of the corresponding year. 2.Personal account pension: It is determined by dividing the accumulated savings in the personal account by the number of months of payment. The number of months corresponding to different retirement ages is different, for example, 195 months for retirement at the age of 50, 139 months for retirement at the age of 60, etc. Personal account retirement salary = personal account savings Number of months accrued
In addition, for retired primary and secondary school teachers who have been engaged in education and teaching for a long time, local people at or above the county level can appropriately increase their pension ratio, reflecting the recognition of teachers' special contributions. Example of Teacher's Pension Estimation Considering that the specific amount will be affected by many factors, such as years of service, salary level during service, payment of pension insurance, and regional differences, we can only provide a simplified estimation example: Suppose a teacher retires at the age of 60, has 35 years of service, has a personal account storage amount of 500,000 yuan, and the average monthly salary of on-the-job employees in the province in the previous year is 8,000 yuan, and the average contribution index is 1 (that is, the payment base of the previous year is equal to the average social wage), The basic pension of the teacher is roughly calculated as follows:
Basic retirement salary 8000 1 + 1) 2 35 1% = 2800 yuan Monthly personal account pension 500,000 139 3597 yuan Month Therefore, the teacher is expected to receive a total of about 6,397 yuan per month plus the personal account pension. Of course, this is only a simplified example, and the actual amount needs to be calculated in detail on an individual basis.
In short, the calculation of teachers' retirement salary is a process that comprehensively considers factors such as personal career history, social security contributions, and policy adjustments. The final pension received by each teacher will vary from individual to individual. It is recommended that in-service teachers pay close attention to the changes in relevant national policies and regularly check the information of their personal social security accounts in order to plan their retirement life more accurately. Please continue to pay attention to this teacher and friend, we will release the latest and most detailed interpretation of the teacher retirement policy and related information in a timely manner, and jointly protect the beautiful life of every teacher!