The same 22-year social security, pension is much less than others. What is the matter? What's the problem?

A netizen said that in 22 years of social security, the pension is much less than others, and they get 900 and others get 2000.

We can analyze it from the calculation formula of pension.

After 22 years, can I get 900 yuan? It's possible.

At present, our pension calculation formula mainly includes basic pension and personal account pension.

The basic pension is equal to the average monthly salary of employees in the previous year at the time of retirement ×( 1+ my average payment index) ÷2× payment years × 1%.

My average payment index is equal to my actual payment base/social average payment base.

Although most parts of the country pay according to the prescribed base of 60%, such as Sichuan and Beijing, poor groups such as flexible employees can still pay according to the social average base of 40%. In this way, the contribution index is only 0.4%, and the basic pension can receive 0.7% of the average social wage of the previous year for each year of payment.

After 22 years of social security contributions, you can receive 15.4% of the average social wage in the last year of retirement.

If our local society, the average wage is only about 4500 yuan, the basic pension can only receive 693 yuan per month.

Personal account pension is equal to the accumulated amount of personal account divided by the number of months at retirement. Retirement at 60 is 139 months, and retirement at 50 is 195 months.

If we pay 40%, the accumulated balance of personal accounts will not be very high, and it may only be about 20,000 to 30,000. Suppose it's 30 thousand yuan. Retire at the age of 50, and you can only receive a personal account pension of around 150 yuan every month.

The sum of the two items is only about 850 yuan. So you have paid insurance for 22 years. If you pay retirement benefits at a lower base, you may only get eight or nine hundred yuan a month.

Why is it that other people can receive more than 2,000 yuan of social security contributions in the same 22 years?

Similarly, taking Sichuan Province as an example, before the establishment of individual accounts for endowment insurance, China implemented the policy of deemed payment period. Due to the lack of personal accounts, the state stipulates that transitional pensions should be compensated.

The retirement benefits before the establishment of personal account pension are basic pension and transitional pension. The payment base of the deemed payment period is generally determined according to the relevant documents, and in most cases it is 1, which means that the state recognizes that it is deemed to pay according to the social security base.

In this way, if the payment period is 22 years, we can receive a basic pension of 22% of the average social wage in the previous year and a transitional pension of 28.6% of the average social wage in the previous year. The total amount is about 50% of the social wage, so if you earn 4500 a month, you can get 2250 for ten bottles.

It can be said that our payment base is very important, and working hours are also very important.

Besides, if we retire, our pension will increase every year. If you retire early, you will increase by one or two hundred yuan every year in previous years. Therefore, there may be a gap in retirement benefits.

In short, retirement benefits are caused by many factors, and we only need to verify whether our payment years are all calculated as pensions. You can check the retirement benefits approval form carefully.

This situation is entirely possible. If you are in doubt, you can actually go to the retirement approval section of the local social security bureau to ask for an audit, and the channels are still relatively smooth. There are four main reasons for the same payment period and the large pension gap.

First, the factor of payment base.

On-the-job employees generally take their actual salary as the payment base. Working in the same unit, because my salary is different, the payment base is different. If all the contributions are paid according to 100%, 400 yuan will be deducted from the old-age insurance for those with a monthly income of 5,000 yuan, and 240 yuan will be deducted from the old-age insurance for those with a monthly income of 3,000 yuan, and all the old-age insurance deducted from the personal salary will be included in the personal account. Therefore, the difference of personal account funds caused by the payment base is one of the important factors affecting the pension level.

Second, the factor of payment index.

In the case of the same payment base, different payment indicators are also the main reasons for the individual payment gap. For example, flexible employees are all based on the average social wage, but they choose to pay 300% and 60%, and the difference in payment amount is five times. Choose 100% and 60% for payment, and the difference in payment amount is 40%, 300% and 100% for 3 times. Similarly, according to the payment base of 5,000 yuan, the funds included in the personal account of flexible employees are still 400 yuan, and only 240 yuan is included in the personal account according to 60%. If you choose to pay 300%, the fund credited to your personal account is 1.200 yuan.

Third, the factor of average wage in local society.

The same is to pay 22 years of old-age insurance, but if you don't retire in the same social security co-ordination area, there is still a big gap, which mainly comes from the average social wage. For example, retirement in Guangzhou and Shenzhen, because the social wage in Shenzhen is higher than that in Guangzhou, the pension for retirement in Shenzhen will be much higher. For example, Chengdu and Chongqing in the mainland can retire in Chengdu because their social wages are higher than Chongqing's, and their pensions are higher than Chongqing's. The average social wage is also reflected in the choice of retirement time, and the difference between early retirement and late retirement is one year, because the social wage is rising every year, and the basic wage of social wage of late retirement is higher than that of early retirement.

Fourth, the difference of personal account pension.

The difference of personal account pension is mainly reflected in the amount of personal account funds. Personal account pension divided by the total principal and interest of personal account funds divided by the number of months to receive. The average male retires at the age of 60, divided by 139 months; Female retires at the age of 50, divided by 195 months; When she retired at the age of 55, divided by 170 months. The more months are calculated, the less personal account pension is allocated to each month. In other words, when both men and women have paid the same 22 years, the pension gap is also very large, and men are higher than women.

In short, the same old-age insurance has been paid for 22 years. Due to the influence of various reasons, such as payment base, payment index, local average wage, personal account pension, etc., the pension level gap is also very large. "Pay more, get more" is always the unchangeable truth of social security payment, and the importance of this principle will not be truly realized until you get a pension.

According to the topic, I also paid the endowment insurance premium for 22 years, but when I retired, I only had a pension of more than 900 yuan, while others had more than 2,000 yuan. You're depressed about it. Ask what the question is.

From the calculation formula of pension, we can clearly understand that there are several factors that affect the level of pension, including social wages, payment years, payment base and payment amount in the retirement area. Under the condition that the payment period is the same or even longer, due to the influence of social wages, payment base and payment amount in retirement areas, the final pension will be less than others.

The subject has spent 22 years like everyone else. Your pension is only 900 yuan every month, and others get 2000 yuan. It must be because the social wage in your place is lower than others, and the payment base is lower than others. At present, due to the uneven economic development in various places, social wages are high and low; It is a common phenomenon that the payment base is high or low due to different industries.

For example:

A: Mr. Wang's retirement place is in an economically developed province in the east. Suppose the payment is 22 years, the social salary is 6200 yuan at retirement, the payment base is 100%, the personal account deposit is 90000 yuan, and the retirement age is 60 years old.

Then, his basic pension = (6200+6200) ÷ 2x2x1%=1364 yuan;

His personal account pension =90000÷ 139=647.5 yuan;

His basic pension =1364+647.5 = 2011.5 yuan.

B: Mr. Li's retirement place is somewhere in the economically underdeveloped midwest. Suppose it is also a 22-year payment. When retiring, the local social wage is 5600 yuan, the payment base is 60%, the personal account is 25000 yuan, and the retirement age is 60 years old.

Then, his basic pension = [(4000x (1+0.6)] ÷ 2x2x1%= 704 yuan;

His personal account pension = 25,000139 =179.8 yuan;

His basic pension =704+ 179.8=883.8 yuan.

Through calculation, under the condition that both Mr. Wang and Mr. Li have paid contributions for 22 years, due to the difference in social wages and their respective payment bases, Mr. Wang received a pension of 20 1 1.5 yuan when he retired, while Mr. Li received a pension of only 883.8 yuan, with a difference of 1 127.7 yuan.

I have also paid social security for 22 years, but my own pension is 900, and others can get 2000. What's going on here? What's the problem?

Hello, everyone, I am a social security expert. I have also paid social security for 22 years, but my pension is much less than others. What's the matter?

Pensions should not only look at the payment period.

This is because the calculation of pension is not only determined by the payment period. Just because you have paid for 22 years doesn't mean you have the same pension. It is normal that the pension is high and low with the same payment period.

Because the influencing factors of pension depend on three important conditions: payment amount, retirement age and local average wage.

The payment level is different.

Why is your pension less than others in the same area with the same payment period? The most common reason is that your pension insurance payment level is much lower than others, and others pay much higher than you.

If you pay according to the lower limit of social security contributions, that is, 60% of the local average wage, and others pay according to the upper limit of social security contributions, that is, 300% of the average wage, then naturally other people's pensions are much higher than this.

Because the pension is overpaid, the more you pay, the higher the pension benefits will naturally be. The less you pay, the higher your pension will naturally be.

The retirement age is different.

In addition, retirement age is also a factor affecting pension. The later the pension is paid, the retirement age is inversely proportional to the pension. The later the retirement age, the higher the pension.

This is because the retirement age determines the number of months of personal account pension. The retirement months are 50 years, 65,438+095 months, 55 years, 65,438+070 months and 60 years, 65,438+039 months. Under the same payment period and level, the pension will be higher than others if the retirement age is late.

The local average wage is different.

If you two are not from the same region, it is even less comparable, because the average wage level in each province is different, which determines the difference in pensions.

If you have the same payment period, but the average salary of your insured place is low, for example, only 2000 yuan, while the average salary of some places is high, for example, 8000 yuan, then of course the level of pension is different. Because the higher the average wage, the higher the pension.

Therefore, the comparison of pension can not only look at the payment period, but also look at the payment level, retirement age, local average wage and other conditions.

The payment period is the same, but the pension is very different. It is entirely possible that it is caused by the following reasons!

Simply having the same working years does not guarantee that any two people's pensions are the same or the gap is not very big. Then, what is the main reason for the disparity of 1000 yuan pension?

In my opinion, it may be caused by the following reasons:

I hope my answer can help you!

Hello, landlord, you have paid social security for 22 years, but your pension is less than others. What's going on? What's the problem? In fact, the same social security period does not mean that you can get exactly the same pension in the future, because the calculation conditions of pension are determined by many factors. As long as any condition changes, it may affect your pension benefits.

For example, if you two don't retire in the same year, then not retiring in the same year means that your average social wages are different in the process of calculating pensions, which means that it is normal for your pensions to be different. Therefore, unless you meet the needs of these two people, your retirement and payment of old-age insurance are exactly the same, and the payment period is exactly the same. Under such conditions, you can get the same old-age treatment!

Therefore, two people have the same insurance period, but only one condition can be met, that is, the so-called cumulative payment period is the same. In fact, they don't know that the average contribution index is different, because some people have a higher contribution index and some people have a lower contribution index, so these situations will cause a gap in pensions.

Hello, landlord, the calculation method of pension. Not only depends on a payment period, but of course the payment period is a more important factor.

The calculation formula of pension is, well, according to your own years of contribution, as well as the average contribution index and the average social wage in the area where you lived the year before retirement. It also includes the balance of your personal account and your retirement age. Because of the different retirement age, his planning month is different.

So all these factors can determine the amount of your pension. The 22-year payment is actually not very long, because the shortest period stipulated by the state is 15 anniversary. So you are only seven years older than the minimum age, so you paid 22 years and only got 900 yuan, which means that you have paid this social security fee according to the minimum payment base for these 22 years.

If others can get 2,000 yuan in 22 years, and basically pay social security fees from the payment base of 1.50%, then there should be a big difference between you two in this payment base.

Pay social security monthly in Wuhan 1046. Medical insurance 354, paid for 20 years, how much pension can I get according to the current situation?

Pay the same number of years of old-age insurance and receive different pensions after retirement. This problem is widespread, and its root lies in the pension formula. Let's reveal the secret with Teacher Chao!

Since there is no transitional pension for 22 years of social security payment, your pension = basic pension+personal account pension.

Basic pension = social salary of the previous year at the time of retirement ×( 1+ my average contribution index) ÷2× payment period × 1%.

Personal account pension = personal account storage amount ÷ months.

Therefore, the argument is: according to the pension formula, the pension is mainly related to the four elements of the previous year's social wage, payment base, payment period and retirement age.

If the retirement age and payment period are the same, one person takes 900 yuan and the other person takes 2000 yuan pension, then the gap of pension is mainly in "social wage" and "payment base".

The arguments are as follows: their social wages are the same, both of which are fixed at 4,000 yuan, and Lao Wang's 22-year payment base is social wages every year, so Lao Wang's average payment index is 1, and his personal account deposit is 84,480 yuan; Lao Li, who has also paid for 22 years, pays three times the social wage, so Lao Li's average payment index is 3, and his personal account deposit is 253,440 yuan.

Lao Wang's pension is:

Basic pension = 4000x (1+1) ÷ 2× 22x1%= 880 yuan;

Personal account pension =84480÷ 195=433 yuan;

Lao Wang's pension in the first month of retirement is: 880+433= 13 13 yuan;

And Lao Li's pension is:

Basic pension = 4000x (1+3) ÷ 2× 22x1%=1760 yuan;

Personal account pension = 253440195 =1300 yuan;

Lao Wang's pension in the first month of retirement is: 1760+ 1300=3060 yuan;

The conclusion is that the salary, payment period and retirement age of the community are the same, but the payment base is three times worse, and the pension of Lao Li and Lao Wang is 2.33 times worse, which is similar to that in 2000.

Super teachers have something to say:

At present, there is no national overall planning for social security, and the payment of old-age insurance is determined by local policies in various regions, which leads to a great difference between two people's pensions in different payment places and different payment bases. Don't make a fuss about such a thing. We can find the answer by finding a unified national pension formula.

The above is for reference, and I hope it will help you who are confused about pensions.

The problem is: after 22 years of social security, the pension is much less than others. What's going on? What's the problem?

The answer is:

First, the same 22-year social security.

The same 22-year social security can only show that the payment period is the same; Does not mean that the payment base and payment amount are the same.

The decisive factors that determine the pension level are mainly local social wages, pension insurance payment years and pension insurance payment amount;

The payment amount of endowment insurance depends on the payment period and base of endowment insurance;

The payment period is the same, the payment base and amount are different, and the pension standard is different!

Second, the principle of social endowment insurance payment

The principle of social endowment insurance payment:

(a) Long-term payment, overpayment, overpayment and non-payment.

(two) the same 22 years of social security, the payment period of 22 years, can only show that the payment period is the same!

(3) The payment period is the same, but the payment base is different and the payment amount is different. Therefore, pensions are of course different!

First, the urban workers' old-age insurance premium payment standard

(a) the employer pays 20% of the total monthly salary of the unit;

The employer is responsible for insurance and withholding the personal part.

The remarkable features of employer payment are:

20% directly enters the national pension insurance pooling fund account and belongs to those who pay the pension insurance.

(2) The individual contribution is 8% of the total salary/month.

The remarkable characteristics of personal contribution are:

1, 8% directly goes into the personal account of endowment insurance, which is permanently owned by the individual.

2, personal account storage, interest is calculated with reference to the bank deposit rate for the same period every year.

3, personal account storage amount is only used for employee pension, shall not be withdrawn in advance.

4. When employees are transferred, all personal accounts are transferred.

5. If the insured employee or retiree dies, the balance of individual contributions in the personal account can be inherited.

(three) the staff of government agencies and institutions must pay the old-age insurance premium at 100% of their total wages.

(D) the proportion of enterprise pension contributions

Enterprise basic old-age insurance payment, the employer pays 20% of the total unit salary/month in the previous year; Individuals pay 8% of their salary, and the part of their salary that is three times higher than the average salary of local employees is not included in the payment base, and the part that is lower than 60% of the average salary is paid by 60%, that is, "300% is capped and 60% is guaranteed".

The proportion of enterprise contributions shall generally not exceed 20% of the total wages of enterprises, and the specific proportion shall be determined by the people's governments of provinces, autonomous regions and municipalities directly under the Central Government.

A few provinces, autonomous regions and municipalities directly under the Central Government should report to the Ministry of Labor and the Ministry of Finance for approval if it is really necessary to exceed 20% of the total wages of enterprises because of the large number of retirees and the heavy burden of endowment insurance.

Moreover, because each province, autonomous region and municipality directly under the Central Government is different, the proportion will still be different. It is necessary to analyze the specific situation and not generalize it.

Two, flexible employment of freelancers pension insurance payment

The payment standard is 20% of the local average salary/month in the previous year.

Access to personal accounts is also 8%, which will always be owned by individuals;

65,438+02% (8% preferential by the state) belongs to all payers and enjoys the treatment of enterprise employees' pooling fund when they retire.

Three. According to the "Comprehensive Plan for Reducing Social Insurance Rates" issued by the General Office of the State Council, relevant measures for reducing social insurance rates have officially landed. From May 1, the unit contribution rate of basic old-age insurance for urban workers (including endowment insurance for enterprises, institutions and institutions) can be reduced to 16% in provinces where the rate is higher than 16%.

For reference only.