After the announcement of the calculation base, the cumulative payment is 15How much pension can be increased for female workers for 5 years?
This retiree is from Jinan City, Shandong Province, and in order to protect her privacy, her real name has been withheld, and I will call her Ms. Li.
Ms. Li will retire in November 2023, and the pension benefit approval table is still a temporary treatment, and the calculation and payment base used is still 7182 in 2022$5. Therefore, her pension still needs to be reassessed.
Please don't pay too much attention to how much pension can be increased in this case. Please focus on the calculation method. The purpose of writing this thing is to help friends understand how to calculate pensions, so that you can calculate your own pension or the pension of your relatives and friends.
Ms. Li was born in November 1973 and started working in June 2007, and the approved number of months of contribution at the time of retirement was 186 months, which is equivalent to 15 years and 6 months, that is, 15For 5 years, it seems that she has not paid for 12 months. The average contribution index is 0629, with a cumulative deposit of 58,749 in personal accounts57 yuan, 50 years old at the time of retirement, 195 months of payment.
She is a newcomer to the enterprise who joined the work after January 1, 1996, and is deemed to have zero years of contribution and no transitional pension.
1. The calculation process of Ms. Li's temporary benefits is as follows:
1. Basic pension.
The average monthly salary of on-the-job employees in the previous year (calculation and payment base) + indexed average monthly salary) 2 Calculate the basic pension period (cumulative payment period) Payment ratio.
The average monthly salary of on-the-job employees in the previous year (calculation and payment base) + the average monthly salary of on-the-job employees in the previous year (calculation and payment base) average index) 2 Calculate the basic pension period (cumulative payment period) Payment ratio.
906.77 yuan.
2. Personal account pension.
The cumulative deposit amount of the personal account is calculated and issued for the number of months.
301.28 yuan.
3. Transitional pension.
The average monthly wage of on-the-job employees in the previous year (calculated and paid base) Average index Calculation of the transitional pension period (deemed to be the payment period) Payment ratio.
Note: The above equation is a formula for multi-factor multiplication, as long as one of the factors is zero, its value is zero.
4. Total temporary benefits.
Basic pension + personal account pension + transitional pension.
1208.05 yuan.
There is one thing to note here: the "adjustment" in the "adjusted pension total" does not refer to the "adjustment" of the calculation and payment base, but the "adjustment treatment" of the "adjustment of the past years".
The following figure is calculated using the estimation system I made:
2. Ms. Li uses the new calculation and payment base to verify the actual monthly pension.
In 2023, after Shandong Province announced a new calculation base of 7,468 yuan, the pension of retirees will be re-approved, and only the basic pension and transitional pension need to be recalculated. Since Ms. Li's deemed contribution period is zero, only her basic pension can be recalculated.
1. Use the basic pension of 7,468 yuan in 2023.
The average monthly salary of on-the-job employees in 2022 (calculation base) + indexed average monthly salary) 2 Calculate the basic pension period (cumulative payment period) Payment ratio.
The average monthly salary of on-the-job employees in 2022 (calculation base) + the average monthly salary of on-the-job employees in 2022 (calculation and payment base) average index) 2 Calculate the basic pension period (cumulative payment period) Payment ratio.
942.$82.
2. The personal account pension is still 30128
3. The total amount of actual monthly pension after the approval of the new calculation and payment base.
Use the basic pension + personal account pension of 7,468 yuan in 2023.
1244.$10.
3. Ms. Li re-approved the amount of pension increase.
The total amount of the actual monthly pension after the approval of the new calculation base - the total amount of temporary benefits.
36.05 yuan.
Summary: 1. Since Ms. Li's payment period is relatively short and there is no deemed payment period, her temporary pension is relatively small, and the re-approved pension increase is also relatively small.
2. Ms. Li re-approved the increase in pension.
Ms. Li re-approved the amount of pension increase Temporary treatment pension.
The following figure is the monthly pension data generated after the calculation base is modified to 7468:
Ms. Li re-approved the increase in pension by 298% is far lower than the increase of 3975%((7468-7182.5)/7182.5)
However, after the re-approval of the pension, Ms. Li's pension is increased compared with the temporary pension, which is also a happy thing.
I wish all retirees a happy life, all the best, and a long and healthy life.
Welcome to pay attention to more related information. You are welcome to criticize and correct after reading. Thank you for reading.