Retirees are regarded as payment indicators

These days, many civil servants who retired last year in Lu 'an reported that they are still receiving pensions in advance, and it is almost the end of the year. What are their formal retirement benefits? Why hasn't the result been worked out after one year? Is this speed too slow? To this end, the reporter conducted an investigation visit.

Retirees questioned the slow calculation.

A retired civil servant from a municipal unit in Lu 'an said that he retired early last year. So far, he still doesn't know what his formal retirement benefits are, and he has been receiving a temporary pension, which is an advance pension. This phenomenon has always existed. "The parties have no solution, the onlookers are amazed, the outsiders know very little, and the officials rarely publicize it, leaving a lot of imagination!"

A deputy director-level cadre of the city's judicial system revealed that she also retired last year, and her retirement benefits were much lower than when she was on the job. This is normal, and she can accept it, mainly because she has been receiving her pension in advance. If the monthly advance is higher than the calculation result, should she return some? If the advance payment is lower than the estimated result, should the government make up the difference for her? How much is it and when? This will have to wait until the final calculation results come out.

A civil servant who retired from the municipal government of Jinan District of this city last year said that he was more concerned about how to calculate the pension. He had consulted the human and social departments in the jurisdiction, and the staff listed a lot of formulas and explained them for a long time, but he still didn't understand.

There are standards for calculating "middle-aged" pensions.

Why is the pension calculation as long as one year? To understand this problem, we must first understand what is the basis for calculating the pension of civil servants who retired last year. To this end, the reporter interviewed Chen Ping, director of the endowment insurance fund management center of institutions in Lu 'an.

Chen Ping said that the retirement of civil servants in China is currently divided into "old people", "middle people" and "new people", and their calculation methods are different. Those who retired last year belong to "middle people" and are in the transitional period of the reform of the endowment insurance system in government agencies and institutions. The calculation of their basic pension, that is, the approval of formal retirement benefits, is influenced by many factors, but the policy of the whole province is unified.

The so-called "middleman" refers to the personnel in the establishment of 20 14 10 institutions who took part in the work before the reform of the endowment insurance system and retired after the reform. Among them, those who retire between 20 14 10 1 to September 30, 2024 will be subject to the transitional policy of comparing the old and new methods.

Guo Fa [2065438+05] No.2 stipulates that when a middle-aged person retires, his basic pension consists of three parts: basic pension, personal account pension and transitional pension. Transitional pension is an integral part of the basic pension for "middle-aged people", which aims to solve the problems of short actual payment period and relatively small actual payment for "middle-aged people".

Where is the slow calculation process of pension?

According to the calculation standard and formula, the calculation of "middle-aged" pension is influenced by many factors, such as the growth rate of "old method", the bookkeeping interest rate of personal account, the yield of occupational annuity, the calculation of transitional pension and so on. "These factors cannot be verified at the time of retirement, and the calculation basis can only be obtained after a year or so. Therefore, during the period before the basic pension is approved, the method of monthly advance pension is adopted. " Chen Ping said.

In particular, the calculation of transitional pension is based on the deemed payment index of retirees, and the calculation of this index involves factors such as personal post rank and working years before retirement. The province uses the same set of regarded payment indicators.

According to Chen Ping, it is precisely for these reasons that the deadline for calculating the deemed payment index is the end of the following year after retirement, which is uniformly confirmed by the Provincial People's Social Welfare Department. Specific to the calculation of retirees' indicators last year, after the unified deployment of the Provincial Department of Human Resources and Social Security last Wednesday,1October 30, Lu 'an City was fully operated.

65438+basic pension payment in February.

Chen Ping said that after the payment index is determined, the "intermediary" transitional pension can be calculated. After the calculation of the transitional pension is completed, the basic pension will be determined soon. According to the current progress, it can be calculated and sent in 65438+February this year.

So, how to calculate the basic pension of "China people"? According to relevant documents of Ministry of Human Resources and Social Security, during the transitional period (20141kloc-0/to September 30, 2024), the minimum guarantee is high. That is, if the new method is lower than the old method, it will be paid according to the treatment standard of the old method, and the treatment will not be reduced; The excess part of the new method is higher than that of the old method, and it is paid according to a certain proportion. During the transition period of 10 years, retirement will increase by 10% every year until it reaches 100%.

According to Chen Ping, according to the above standards, if the "middle people" who retire in 2020 exceed the retirement benefits of the old method, the excess will be paid at 60%. For example, the calculation result of the old method is 4000 yuan, and the calculation result of the new method is 5000 yuan. The excess 1000 yuan is calculated as 60%, that is, 600 yuan, and finally it is calculated as 4600 yuan; If the new method is less than 4,000 yuan, it will be paid at 4,000 yuan. After approval, it will remain unchanged, and the basic pension level will be raised when the state and the province adjust the pension in the future.

"Compared with the basic pension calculated in June 5438 and February this year, if the amount of pre-paid pension received by retirees before 2020 is insufficient, it will be paid to me in one lump sum; If you have more, you have to pay it back. " Chen Ping said.

"，" force_purephv":"0 "，" gnid ":" 953 dbb 8627 b 1ad 2 1e "，" img_data":[{"flag":2，" img":[]}]，" original":"0 "，" pat":"art_src_3， Socialc, fts0, sts0 ","powerby":"pika ","pub_time": 163832202000, "pure": ","Rawulu ":"}], "Title:" Many retired civil servants in Lu 'an questioned that pension calculation was too slow. What are the meanings of the three indices in pension calculation: average contribution wage index, deemed contribution index and actual contribution index? How to calculate -: 1, the average contribution wage index refers to the average contribution wage index of social co-ordinators participating in endowment insurance over the years, which is called the average contribution wage index. Divide the annual payment base of the insured by the local average wage of employees in the previous year, and calculate it once a year, so that the annual payment wage index is calculated once a year. ...

The calculation age of pension is 50, which is regarded as the length of service 14. 1, and the length of service of payment 15.4. Individual account: the regulations vary from place to place. The following is for reference only. Basic pension = basic pension+personal account pension. Among them, (1) monthly standard of basic pension = (average monthly salary of workers in the whole province in the previous year when the insured retires+average monthly payment salary of the insured himself) ÷2* accumulated payment period * 1%. In which: the average monthly payment salary of the insured = the whole province when the insured retires. The average payment wage index of the insured is: the average payment wage index of the insured during retirement (including the substitution index deemed as the payment period). (2) Monthly standard of personal account pension = the amount of personal account when the insured retires ÷ the number of months corresponding to his retirement age. You are only 50 years old. I'm afraid it's difficult to apply for retirement.

After retirement, how to calculate the payment base as the payment period? The payment base will not be available until local individuals pay the endowment insurance. Pension is calculated at retirement, and the payment base is calculated according to the average monthly salary of the individual.

The retirement salary is 42 years calculate length, and the individual contribution index is 1.5. Are you arrogant in summer? (1) Conditions for receiving the basic old-age pension on a monthly basis: for those who have participated in the payment of the basic old-age insurance, men should be 60 years old, women cadres should be 55 years old, women workers should be 50 years old, men with special jobs should be 55 years old and women should be 45 years old. ...

How to determine the deemed payment index of the basic pension of enterprises in Shandong Province-:When employees of enterprises in Shandong Province retire, the Social Security Bureau should determine your length of service before the implementation of social security payment as your deemed payment period according to your file. Then, how to calculate the payment index within the deemed payment period? The current method is to use the average payment index after you implement social security payment as the payment index. Suppose your average contribution index after social security payment is 0.6, then all your working years are calculated according to the average contribution index of 0.6. If your average contribution index is 2 after the implementation of social security payment, all your working years will be calculated according to the average contribution index of 2.

∑ is the index sum of the insured's deemed payment period; Z is the number of wage indexes paid by the insured over the years-:As for the concept of Z real index, I suggest you take a look at the reference materials. The calculation method of Order 183 is stipulated in the document "Specific Measures for Implementing Relevant Issues" (Yang Fa [2007] No.21of Jinglao Society). This formula can be understood in several steps. The first step is to understand what it is. ...

Is the deemed payment period index in social security 60% or 100%-: 100%?

After retirement, how to calculate the payment base as the payment period? -:regarded as the payment period is not used as the payment base. The deemed payment period refers to the period when the employee fails to actually pay the old-age insurance premium, which is deemed as the payment period. Because the employees didn't pay the fees, there is no problem in calculating the payment base. The limit refers to the number of years in which workers actually take part in the work but do not actually pay the old-age insurance premium, which is included in the number of years in which they pay the old-age insurance according to law, and directly affects the amount of pension they receive after retirement. Second, about the retirement fee in the actual payment year and the local average wage in the previous year, the level of payment base, the length of payment period, etc. The higher the payment base, the longer the service life and the more pensions you receive when you retire. Its calculation formula is: (average monthly salary of local employees in the previous year+average monthly payment salary of myself) /2* payment period * 1%+ personal account balance/calculation month. Belonging to the transition period, the calculation method shall be in accordance with local regulations.

Index in the retirement approval form: the index in the retirement benefit calculation table refers to the payment index. When workers go through retirement formalities and calculate the basic pension, there is an index in the calculation table, which refers to the contribution index, that is, the index of paying the basic old-age insurance premium, that is, the proportion of the employee's contribution salary to the average salary of the employees in the province or municipality directly under the central government. The calculation method is: the index of the current year = the employee's contribution salary in the current year ÷ the province or municipality directly under the central government. The average payment index is the average of the annual payment index.

76. A few years. Working 18 Retirement is deemed as payment for 20 years. The 22-year average index of actual payment is 1.7456. The average salary in the previous year was 43 15. Unable to calculate. The calculation of pension needs a lot of personal social security data. Only 42 years of service is not enough, but also needs: social security payment years, average payment index, personal account fund balance, and so on. ...