Workers receive pensions instead of wages after retirement. Why are the wages of workers so low after retirement?

Although flexible employees can work more freely, they can also receive retirement wages after retirement by paying their own pension insurance. However, due to the short pension payment time, the insurance level is usually the lowest, and the flexible employees get little retirement salary after retirement.

Reasons for low wages of flexible employees after retirement For flexible employees, the cost of paying their own pension is high, but the benefits are the same as those of enterprise employees, which makes many people feel that it is not worth the candle psychologically. However, this is not the reason why the wages of flexible employees are low after retirement. The real reason is related to the short pension payment period of flexible employees and the fact that the lowest gear is usually selected.

First, the pension payment period for flexible employees is short.

Generally speaking, 15 pays the pension continuously, and can get the old-age security after retirement, which also makes many flexible employees choose to pay the minimum number of years in order to balance the cost of old-age care. But we should know that the principle of the old-age insurance system is to pay more for a long time and get more. Therefore, if flexible employees stop paying pensions after paying the minimum number of years, then the salary they can get after retirement is only the most basic guarantee.

Second, it is related to the payment gear.

In addition to paying only the minimum number of years to balance the cost of old-age care, flexible employees choose to pay the minimum social security, which is also their way to balance the cost of old-age care. In addition, it is very troublesome to break the pension, and because the monthly salary of flexible employees is not fixed, paying the minimum social security has become the best option in their eyes.

For flexible employees, the problem of providing for the aged can not be ignored, because it is related to their later life. Even if they can earn a lot of money now, as long as they have a pension, they can at least guarantee their minimum security in their old age. Therefore, if conditions permit, it is actually the best choice to pay more pensions, such as raising the payment stalls and increasing the number of years to pay pensions. In this way, I can get more retirement salary after retirement, which is very beneficial to my later life. What's more, paying pensions is also a responsible behavior for children.

1, pension insurance payment base. The contribution base of the old-age insurance has a great influence on the old-age pension. On the one hand, it determines everyone's personal account balance, on the other hand, it affects everyone's contribution index. In general, the higher the payment base, the greater the corresponding payment index. For example, everyone's contribution base is paid at twice the social wage, and the contribution index is 2; If everyone pays 60% of the average salary of employees on the job, then the payment index is only 0.6. For example, the contribution index of A is 2 and that of B is 0.6. If the average social wage of local employees is 3,000 yuan when two people just pay endowment insurance, and it increases at the rate of 6% every year, then after 25 years, the accumulated balance of A's personal account is 3 1.6 million, while the accumulated balance of B's personal account is only 94,800. 2. Term of payment. China's pension follows the mechanism of overpaying and earning more, and overpaying and earning more for a long time. It is easy to understand that the longer the payment period, the higher the pension.

Suppose a small enterprise has 50 employees. If the average contribution base of these employees reaches 5,000 yuan, the social security expenditure of the enterprise for employees will reach 690,000 a year. However, if most employees of this enterprise pay according to the minimum level, that is, according to the base of about 2200 yuan, the social security expenditure undertaken by the enterprise is only about 300 thousand yuan a year, which can save 390 thousand yuan.

Therefore, in order to reduce the burden, at present, many enterprises pay social security to their employees at a relatively low base. However, from a realistic point of view, social wages are relatively high now, especially in some first-and second-tier cities. Two or three thousand yuan is basically not enough to recruit people, so many enterprises actually give higher wages. At this time, when signing the contract, the enterprise will sign the contract according to the basic salary plus performance bonus.

Among them, the basic salary is relatively low, while the performance salary is relatively high, so that social security can be paid according to the basic salary and social security expenditure can be reduced. It is precisely because of this that we see that many employees have higher on-the-job wages, but the actual social security paid is relatively low. Some people can earn tens of thousands a month, but the actual social security base may be only three or four thousand yuan, which also leads to the fact that the pension he can actually receive after retirement is far lower than the on-the-job salary.