As the years go by, everyone moves into another stage of their life – retirement. For many people, retirement is not just the end of work, but also the beginning of a new life. And in this process, the pension is undoubtedly an important economic ** to support this new life. Today, we will take an ordinary employee as an example to analyze her pension verification situation in detail, and how she prepares for retirement.
This friend started working in September 1992 and has accumulated 31 years and 6 months of contributions. During this time, she has maintained a stable contribution record and laid a solid foundation for her retirement. According to the relevant policies, the calculation formula of her basic pension is: basic pension = the average monthly salary of local employees on the job in the previous year at the time of retirement (1 + the average salary index of the person) 2 1% of the payment period. By calculation, her basic pension is 2286 per month$6. This figure not only reflects her contribution over the years, but also reflects the recognition and feedback from the society.
In addition to the basic pension, she also has a personal account pension. This is an accumulation formed by deducting a part of her salary from her salary and depositing it into her personal account every month during her employment. After years of accumulation, her personal account savings reached 95,16255 yuan. According to the regulations on the number of months of retirement at the age of 50, the pension in her personal account is 488 per month01 yuan. Although this money is not a lot, it is her personal savings over the years, and it is an added security to her retirement life.
In addition, she has a transitional pension. This part of the pension is mainly for those who participated in the work before the reform of the pension insurance system and retired after the reform. Since this part of the population did not have a personal account before the reform, it is necessary to compensate for this lack through a transitional pension. This friend was involved in the calculation of the transitional pension between 1992 and 1995.
After precise calculations, her new transitional pension is $463 per month$2. However, compared with the transitional pension calculated by the original method, there is a certain difference. According to the relevant policy provisions, by 2024, her transitional pension will be adjusted according to a certain percentage, and it will be finally determined to be 300 per month46 yuan.
Adding these three parts of the pension, we get the total monthly pension of this friend: 3075$1. Although this figure is not particularly high, it is enough to ensure her basic living needs after retirement. Moreover, with the development of society and the highest prices, her pension may be adjusted accordingly to meet her higher living needs.
Through the verification of the pension of this ordinary employee, we can see that the accumulation of pension is a long-term process, which requires continuous contributions and accumulation of individuals during their work. At the same time, we also need to pay attention to the reform and adjustment of the pension insurance system in order to better plan our retirement life. I hope that everyone can be like this friend, fully prepare for their retirement life and enjoy a happy and healthy old age.
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