Hunan pension accrual base 6728 yuan, personal contributions for 30 years how much money can be collected each month?

The average monthly income of the province's on-the-job workers in the previous year is an important measurement data information. That salary is not necessarily equivalent to the number of social pension calculations and payments. There are some differences - what does that payment index value mean? It means that the pension insurance payment base in Hunan Province is 0.6 to 3.0 times the average income of the province, divided into different levels.

For example, the social security payment index value for employees of state-owned enterprises, such as the General Administration of Tobacco, the Road Bureau, and Electric Power Engineering, can usually reach 2.0 to 3.0 up and down, which is higher, but the social security payment index value for many private enterprises is 0.6 to 1.0 up and down.

As a result, after the pension base is harmonized, theoretically, if two retired workers in all two cities in Hunan province in 2022 have exactly the same contribution index, years of service, personal account pension balance, number of months and other elements, the amount of monthly pension insurance premiums collected will be the same.

- However, in reality, the pension balances of the different retired workers and personal accounts will in fact be very different, mainly because there is a very big difference in the pension service insurance contribution base in Hunan Province before July 2019.

In other words, from July 2019 to the present, Hunan Province has completed the overall planning of social pension insurance in the province, which is also an important "milestone" for the pension benefits of employees in the province, as follows:

Prior to July 2019, the contribution base for the pension service insurance in various cities and municipalities in Hunan Province had very Obvious regional differences - in short, the payment is also based on the average social wage index value of 1.0. Changsha's specific payment amount exceeds the Hunan Zhangjiajie and Changde's 1.0 payment index and monthly payment! Will lead to a huge gap in the balance of the employee's personal account pension.

For example, in 2016, the average social development salary used in Hunan Province was 4491 yuan, the coefficient of 3.0 for company employees, corresponding to a total amount of 13,473 yuan of the ceiling, but the minimum standard of 0.6 is only 2,695 yuan - at that time, a lot of private enterprises and private enterprises in accordance with the 2,695 pieces of norms to pay social security to employees.

But at the same stage, the mean social development salary used in Changsha was 5,601 yuan per month - for this reason, at that time, based on the limit index value of 3.0, the corresponding pension service insurance contribution base was 16,803 yuan, and based on the low-limit contribution index of 0.6, the corresponding contribution base was about 3,361 yuan . The upper and lower limits in Changsha are much higher than the average payment level in Hunan Province.

In the same year, Changde City, Hunan Province only applied the average social wage of 3870 yuan, corresponding to the 0.6 low limit contribution base of 2322 yuan, the limit of 3.0 index value corresponding to the amount of only 11610 yuan, significantly smaller than Changsha City and the average of the province. The three amounts have to be compared as shown below:

Therefore, it is not difficult to find that even the new retired workers in Hunan Province in the past two years, because of the contribution base is not the same across the country before July 2019, it is also difficult to reach the unified pension standard in our province!

For example, in the case of the same payment index value of 1.0, Changsha continued to collect 10 years of work experience is undoubtedly more than Changde continued to pay with the actual collection of 10 years of work experience needs. In other words, before July 2019, Changsha is mostly above the index value of 1.0, while Changde's specific payment index value is less than 1.0

As a result, even if new retired workers in 2021 and 2022 have a very large difference in their individual account pension pension because of the difference in the compressive strength of previous payments, the pension pension in the first part of the calculation methodology will also be very much difference - it is very clear that the pension pension for retired workers in LTC will be much higher! As the saying goes, "pay more, get more."