In 2024, pensions will be merged, and the wages of enterprises and institutions will be the same.

0 1, the pension calculation formulas of the three types of people are exactly the same.

The division of cadres, workers and peasants has long been in the memory of parents, and now there is no distinction. As long as you participate in the enterprise employee pension insurance, regardless of the identity of the insured, the same pension calculation formula is adopted.

However, people who understand naturally understand that people with the same payment period can receive an extra transitional pension in addition to the above two pensions, and employees of government agencies and institutions can also receive an extra occupational annuity, a total of four.

In this way, there are three types of people: 1990 who join the work and retire in 2024, and the actual payment of cadres in government agencies and institutions 10 year, which is regarded as 24 years of payment, and pension = basic pension+personal account pension+transitional pension+occupational annuity; If the actual payment of enterprise employees is over 32 years, it shall be regarded as 2 years. Pension = basic pension+personal account pension+transitional pension; Migrant workers only existed around 2000. Similar to the flexible employees of that year, they all paid in real terms, and the pension was equal to the basic pension+personal account pension.

After such a comparative analysis, we find that even if two people have the same length of service and payment base, the final pension ranking will be cadres of government agencies and institutions. Enterprise workers > migrant workers (flexible employees). What's more, in real life, the work of government agencies and institutions is stable, the quality of life is high, the work of migrant workers' friends is unstable, and they barely maintain food and clothing, and enterprise workers are in the middle.

02, identity cancellation, how to change the pension benefits?

Nowadays, post-80s, post-90s and post-00s are no longer defined by cadres, workers and farmers. Instead, the pension benefits are calculated by comparing the age and payment period of the insured with the retirement age of the country. Of course, these people have also caught up with the delayed retirement.

At one time, the retirement age of men was 60, regardless of their status. Women cadres are 55 years old and workers are 50 years old. Women who belong to special jobs can retire early, but the later change is to postpone retirement. At present, Shandong and Jiangsu have implemented voluntary delayed retirement.

As for pensions, what will happen? First of all, the pension has nothing to do with the past identity division, but it will still be related to the amount of payment, the level of payment, and the social wage in the retirement area; Transitional pension is closely related to local policies.

Secondly, the pension will always be the same: if you pay more, you will get more. It is suggested that young people start pension planning, lengthen the payment period and have less pressure. Finally, delaying retirement is the overall situation, and the minimum payment period of social security may be increased in the future. For flexible employees, whether to choose insurance payment is a key point, because once you give up halfway, you will lose 60% of the insurance money.