Is there a big difference between 36 years of social security service for enterprise employees and 40 years of pension? How to choose?

In fact, what this question means is, is there a big difference between 40 years of service and 36 years of service and pension? Although the length of service is only four years longer, the pension is quite different.

Hello, everyone, I am a social security expert. Enterprise employees, one with 36 years of service and one with 40 years of service, what is the difference in pensions? Let's get this straight.

If you want to make a comparison, it must be the same place, the same payment level and the same retirement age, otherwise it is meaningless to compare.

Therefore, we assume that the average wage of employees in these two enterprises is 8,000 yuan, the individual contribution index is 1, the monthly payment is in 640 yuan, and the retirement age is 60 years old, which is regarded as the same payment period.

Because it is regarded as the payment period, there is no need to calculate the transitional pension, because there are as many transitional pensions.

Basic pension = (8000+8000×1) ÷ 2× 36×1%= 2880 yuan.

Personal account pension = 640×12× 36÷139 =1990 yuan.

The pension for 36 years of service is 4870 yuan.

Basic pension = (8000+8000×1) ÷ 2× 40×1%= 3200 yuan.

Personal account pension = 640×12× 40÷139 = 2210 yuan.

The pension for 40 years of service is 54 10 yuan.

Because, under the above assumption, the pension with 40 years' service is more than that with 36 years' service, 540 yuan.

In addition, in the annual adjustment of pension, because of the long service of 40 years and the high pension base, the specific amount of pension increase for those with 40 years of service is more than that for those with 36 years of service.

For example, taking the Shanghai 20 19 scheme as an example, the 2 yuan will be increased for each payment period 1 year, and this part of 40 years of service will increase 8 yuan more than 36 years of service; The basic pension increased by 2.2%. This part of 40 years' service is more than 36 years' service 12 yuan, and 20 yuan is increased every month.

How to choose? If you pay more pensions, you will get more. It is suggested that you pay as much as possible according to your own situation, so that the number of pensions will be more considerable and retirement life will be more worry-free.

If you retire in the same place at the same time, the base, index and amount of payment are the same, and the 40-year-old person is definitely higher than the 36-year-old person. If it's the same person, a 40-year-old will definitely have a higher pension than a 36-year-old.

The calculation of pension mainly consists of the following factors.

First, the payment base. At present, many enterprises determine the payment base according to social wages, which is divided into the highest payment base and the lowest payment base. There is a big gap between the highest payment base and the lowest payment base. There are still many companies that use my actual monthly salary as the payment base. Because everyone's salary is different, the payment base is different. Due to the wage gap between positions and professional titles, there will be huge differences when converted into social security contributions.

Second, the payment index. The payment index is the index of monthly social security payment after the payment base is determined according to the average social salary or my salary. At present, it is mainly divided into three grades. The first file is paid according to 300% of the payment base; The second file is paid according to 100% of the payment base; The third file is paid according to 60% of the payment base. Different payment bases and different payment indexes are very different, which is the most critical factor affecting the pension level.

Third, the payment time. The length of payment time is also one of the factors. Although the payment base is not high and the payment index is not high, the payment time is relatively long, which can also narrow the gap between the payment index and the payment base. For example, 300% of people with a payment index have only paid 15 years, while 60% of people with a payment index have paid for 30 years, and the gap between them can be continuously narrowed.

Fourth, social wages at retirement. This is also one of the factors that affect the level of pension. For example, between first-tier cities and third-and fourth-tier cities, social wages in first-tier cities are generally higher than those in 300 yuan; Due to the gap between developed and underdeveloped areas, eastern coastal areas and western regions, the calculation and payment of pensions will also be affected.

Fifth, local policy subsidies. In order to take care of comrades working in hard areas, high-level and poor areas, the state has formulated some subsidy policies when they retire, such as ethnic minority subsidies, family planning subsidies, and subsidies in hard areas. This will also improve retirement benefits. For example, parents with one-child certificates in Sichuan will increase their pensions by 5% every month, and Chongqing will increase their pensions by 3% every month.

In short, because the calculation of pension involves many different factors, the length of service is only one of the indicators, but if the other indicators are the same or the same person, then the pension with 40 years of contribution is definitely higher than that with 36 years of contribution.

This problem itself is problematic, because there are several parameters that affect the pension, and it is impossible to make an accurate judgment simply by the payment period.

If the pension insurance has been paid for 36 years, the pension may be lower than that paid for 40 years, or it may be flat, or it may be that the pension paid for 36 years is higher than that paid for 40 years. (including deemed, the same below)

Why is this happening? The main reasons are as follows:

First, if the provinces are different, the average social wage used to calculate pensions is also different. For example, the average social wage in Beijing 20 17 is 8467, while that in Heilongjiang Province is only 4645, a difference of nearly 80%.

Second, if the payment base is different, there will be many influences. If, although in one place, one person pays 60% of the lower social security level and another person may pay 300% of the higher social security level, then the retirement pension will be very different.

Third, if the payment base is different, it will inevitably lead to different personal account amounts.

Wait, there are many reasons, so I won't talk about it here.

Besides, the same place, the same base, retirement in the same year, the same sex, only the payment period is four years apart, how much will the pension be worse?

For example, the social wage in a retirement area is 5,000 yuan, and in the past, the old-age insurance was paid at 60% of the lower social wage, so the difference in pensions is reflected in the following aspects:

First, the basic pension, the difference between 40-year payment and 36-year payment will be 5000*0.8*4%= 160 yuan;

Second, personal account pension, because it is retired that year, so those who have paid for 40 years should join the work earlier than those who have paid for 36 years. As early as more than 30 years ago, China did not implement the reform of the old-age insurance system and did not pay the old-age insurance, so the account at this time was empty, so the amount of this part was the same and had no impact.

The third is the transitional pension. The calculation method of transitional pension varies from place to place, so the difference is different. Taking the calculation method of a certain place as an example, the difference between 40-year payment and 36-year payment will be 5000 * 4 * 0.6 *1.2% =144 yuan;

Pension = basic pension+personal account pension+transitional pension, then the difference between the two is more than 300 yuan.

Of course, here is 5000 yuan for social wage calculation. At present, the social wage in many areas of our country exceeds 5,000 yuan, and the calculation methods of transitional pension are also different. Therefore, in the same place, retirement in the same year, under the premise of the same sex, 300 yuan for 40 years should be the minimum standard compared with more than 36 years.

The above is for reference.

Hello, landlord, as an employee, is there a big difference between the 36-year social security payment period and the 40-year social security payment period? This problem cannot be directly compared, because the payment period of endowment insurance is only one condition, and you can't guarantee other conditions, so there is no way to compare.

Another condition is a social security contribution index, because different social security contribution indexes will affect their future pension benefits, and this social security contribution index can be freely selected every year, and our social security contribution index is freely selected from 60% to 300%, so if the social security contribution indexes of these two people are inconsistent, there is no comparability.

Coupled with the average wage in this society, this condition is also very important. The average social wage is actually different every year. If these two people don't retire in the same year, then there is no comparison, because there is also a certain gap in the pension benefits calculated by different social average wages. Therefore, it is necessary to ensure that these two people retire in the same year and are the same average social security payment indicators. Under such a premise, there must be more than 30 people who have paid for 40 years.

Thanks for reading, please add my attention.

Under the same conditions, no matter what type of insured, the payment period of 36 years (including deemed payment period) will be very different from that of 40 years.

Why do you say that?

First, the basic principle of social security is that the longer the payment period, the more the payment amount, and the more pensions you receive when you retire. Under the same conditions, if there is no difference or little difference between paying 36-year and 40-year pensions, who else is willing to pay more, more and longer?

2. Under normal circumstances, I will pay the old-age insurance premium based on my actual salary and social flat salary 100%, and I can receive the social flat salary 1% pension when I retire every year; If the old-age insurance premium is paid based on my actual salary and 60% of the average social wage, I can receive a pension of 0.7% of the average social wage when I retire every year. Assuming that the payment base is 100% and the payment period is different by 4 years, the pension at retirement will be more than 4% different from the social wage standard in the year of retirement.

Three, the difference between two people's payment years is four years, which means not only four years of payment, but also four years of retirement (four years of social wages), four years of personal account storage, or different retirement ages.

In summary, the difference between the two payment years is four years. Under the same conditions such as retirement location and payment base, the difference between retirement pensions is still relatively large.

As an employee, the most basic information you can know is actually only the length of service or the payment period. The pension calculation of enterprise employees is more complicated, and the pension gap is different under different circumstances.

Usually, our basic pension mainly includes two parts: basic pension and personal account pension. This is based on the 2005 Decision on Improving the Basic Old-age Insurance System for Enterprise Employees.

The calculation methods of these two pensions are unified throughout the country. The basic pension is linked to the payment period, the average social wage and the payment index. Personal account pension is linked to payment base, bookkeeping interest rate, retirement age and other factors. Therefore, there are many factors affecting the pension level, and the situation is more complicated.

Personal account pension was established around 1996, and the establishment time varies from place to place. Generally, veteran comrades with more than 30 years of service will have a certain payment period or be regarded as payment period without personal account pension. The state stipulates that provinces and cities can determine transitional pensions for compensation.

Take the calculation formula of pension in Shandong Province as an example to give you an example, but everyone's payment base is different and there is a certain gap.

The calculation formula of pension in Shandong Province mainly includes three parts: basic pension, personal account pension and transitional pension.

Basic pension:

For the average person, most of us pay social security according to the average social wage, so our average payment index is 1, and the payment period is 36 years and 40 years. Retirement can receive 36% and 40% of the average social wage of the previous year respectively.

If you retire in different retirement years, the average social wage is different, and the calculated basic pension results are also different. The pension after retirement is adjusted according to the unified national pension adjustment formula, and more attention is paid to taking care of the people with lower pensions.

Personal account pension:

Generally speaking, 36 years of service and 40 years of service, if you retire in one year, the personal account balance is the same under the same payment base.

Because our personal pension accounts are generally set up around 1996. So we all save money at the same time. If the payment base is the same, the amount transferred to the personal account is the same. So the personal account balance is the same.

If they all retire at the age of 60, the personal account pension is actually the same. Even if there is a slight gap, there is not much difference.

Transitional pension:

Perhaps the biggest difference between the two is this part. If our average payment index is 1, then the difference between 36 years of service and 40 years of service is 4 years, which can be 5.2% different from the average social wage of the previous year.

Total: The difference is 9.2% of the average social wage in the previous retirement year. If the average social wage is 6000 yuan, the monthly personal account pension can differ by 552 yuan. I believe that no enterprise employee will ignore such a gap.

After retirement, when we adjust the pension every year, there will be additional payment period adjustment and pension ratio adjustment. According to the adjustment plan of 20 18 in Shandong province, the annual pension gap will widen again 18~20 yuan.

To sum up, it is obvious that the longer the payment period, the more cost-effective, and 40 years of service is very high.

There must be some difference between the pension of enterprise employees with 36 years and 40 years of social security service. If the body allows them to work, they should choose to continue to pay pension insurance until they are 40 years old. When you retire after paying for 40 years, you will not only get more pension than those who have paid for 36 years, but also increase the pension later than those who have only paid for 36 years.

Pensions are paid and adjusted according to the principles of "overpaying for more" and "overpaying for more".

After retirement, the difference between those with high seniority and those with low seniority is one yuan a year. ...

Enterprises, not to mention enterprises, I tell you, 2000 yuan!

It is related to the payment period and the total payment.