Kunpeng Project
Interpretation of the information of the pension calculation sheet The general concern of the population
This is a pension received by a netizen in Chongqing this month, and I am also in Chongqing, so I admire Chongqing's pension calculation**. I believe that Chongqing's pension accounting method, compared with other regions in the country, reflects the service concept and management level of Chongqing's social insurance organs.
But there is a big loophole in the pension of this netizen, which still needs to be brought to the attention of the relevant authorities. As long as you are retired, you will have a pension calculation table. Some people feel lost and lost when they receive their pension statements, and this ambiguity is more important than clarity because they simply do not know how their pension is calculated or how their pension is calculated. This feeling is really helpless.
However, more information can be seen from the calculations of retirees in Chongqing**.
First, he has a clearer picture of his situation. In this pension calculation**, there is an item about basic information about pensions. Social security number, name, gender, date of birth, time of establishment of personal account, number of years of contribution calculation, and whether you have retired normally.
The second is to calculate the indicators of enterprise annuity. Knowledge of the indicators in pension accounting is essential for our self-accounting. When calculating pension benefits, the basis of pension calculation for that year should be included.
* It is written that Chongqing's retirement salary is 7988 yuan, this payment base is the pension calculation base in 2023, and the calculation and distribution base in 2024 has not yet been announced, so it can only be calculated according to the calculation and issuance of the budget in 2023, so this pension belongs to the advance pension, and the official pension will be announced after the pension calculation and distribution base in 2024, and there is a compensation problem, of course, this may not be until the end of 2024.
The second key indicator is the per capita social insurance rate of individuals. From the calculation of this netizen**, it can be seen that the per capita contribution index of the netizen is 10, the netizen's payment index is relatively high, and according to his personal account pension calculation and monthly average of 170 months, the user is a 55-year-old female employee, belonging to individual industrial and commercial households.
The third key factor is the timing of payments. **The above shows January 25, in terms of the 25-year payment period, in fact, from February 1999, from February 1999, from February 1999, from February 1999, the payment begins, that is, from February 1999.
However, ** shows a personal account established in February 2014, and the contribution age from February 2014, from February 2014, from February 2014, this obviously does not meet the minimum standard of 15 years of contributions, which may be a staff entry error.
This mistake, perhaps not noticed by the retirees themselves and not noticed by the social security authorities, is that the payment time shown on ** is January 25, and there is no actual payment time or deemed payment time before the establishment of the personal account, which is a big problem.
According to the relevant policies of Chongqing Municipality, the age of 55 is 55 for those who have registered for personal pension in Chongqing and participated in social insurance after January 1996, and only women who participated in social insurance before January 1996 can retire at the age of 50.
Judging from the accounting of the pension, this netizen's pension is made up of the basic pension and two different ones, and the total monthly pension is 26737 yuan, there is neither a transitional pension nor an additional one-child pension. ......
In short, in terms of the method of accounting for retirement pensions, although the logical relationship between the establishment of personal accounts and the beginning of the contribution age and the contribution age of 25 years and January is untenable. But fortunately, there is nothing wrong with the accounting of the pension, but the accounting of this pension is not perfect. Please check carefully with the social security institution, and if it is the person, be sure to go to the social security institution for a detailed inquiry.