The pension base in Hunan is 6728 yuan. Are the pensions of local retirees the same?

In May, retired workers in Hunan Province ushered in this year's national pension increase notice, within reach. Judging from the current situation, it may appear almost every day. If the national adjustment plan comes recently, I will share the latest explanation with you as soon as possible-Ministry of Human Resources and Social Security actually brought you two latest "good news" on April 25th and 27th.

At the policy briefing and working meeting in Ministry of Human Resources and Social Security in the first quarter, we expressed our opinions on the pension increase this year, and mentioned that we are working with relevant departments to speed up the pension increase, and we are studying how to adjust the pension level of retirees, as follows:

Therefore, retirees in Changsha, Zhangjiajie, Zhuzhou, Xiangtan and Chenzhou in Hunan Province may have good news in the near future. At present, the calculation and payment base of endowment insurance in Hunan Province has been unified to 6728 yuan, which belongs to the middle level in the country. Then, on this basis, does it mean that all local enterprises in Hunan Province have retired employees, flexible employees and retirees from government agencies and institutions, but the pensions will become the same in the next few years? Will it be fairer and more reasonable to implement this in the future? Let's see what's going on together.

On 2002 1,1,the Hunan Provincial Department of Human Resources and Social Security announced that the latest payment base of the old-age insurance in this province was 6728 yuan, and the payment base of the old-age insurance announced at the same time was 5460 yuan per month, which was used uniformly throughout the province, in Changsha, Zhuzhou, Xiangtan, Loudi, Yiyang, Yueyang, Zhangjiajie, Jishou, Huaihua, Hengyang and Hunan provinces.

Let's take a look at how the pension is calculated. There is a complex formula that links the payment index of my old-age insurance, the length of service of payment, the number of months of calculation of personal pension account, etc. , as follows:

As can be seen from the formula, the average monthly salary of employees in the whole province in the last year is an important calculation data. This salary is not necessarily absolutely equal to the calculation base of endowment insurance, and there are certain differences-then what does the contribution index mean? It means that the payment base of endowment insurance for employees in all parts of Hunan is selected between 0.6-3.0 times of the average salary of the whole province, and it is divided into different grades.

(For example, the social security contribution index of employees in state-owned enterprises such as Tobacco Bureau, Railway Bureau, and electric power often reaches about 2.0~3.0, which is on the high side, but the index of many private enterprises is about 0.6~ 1.0).

Therefore, after the pension base is calculated and paid in a unified way, theoretically speaking, if two retirees in any two cities in Hunan Province in 2022 have the same payment index, length of service, personal account pension balance, number of months of calculation and payment, then the amount of pension paid each month is the same.

-But in fact, the pension balance of different retirees and individual accounts will actually vary greatly. This is because before 2065438+July 2009, the payment base of endowment insurance in Hunan Province was very different.

In other words, from July, 2065438 to July, 2009, Hunan Province began to realize the provincial-level overall planning of endowment insurance, which is an important "milestone" about the pension treatment of employees in the province, as follows:

Before July 20 19, there were obvious regional differences in the payment base of endowment insurance in various prefecture-level cities in Hunan Province-in short, it was also paid according to the index of social wage 1.0, and the actual payment in Changsha was higher than the payment index of 1.0 and the monthly payment in Zhangjiajie and Changde! This will directly lead to a large gap in the pension balance of employees' personal accounts.

For example, in 20 16, the average social wage used in Hunan Province at that time was 449 1 yuan, and the index of enterprise employees' 3.0 of the pension insurance payment base was 13473 yuan, but the lowest level of 0.6 was only 2695 yuan-at that time, many private enterprises and private enterprises provided social security for their employees according to this standard of 2695 yuan.

At the same time, the average social wage used in Changsha was equivalent to 560 1 yuan per month-therefore, according to the upper limit index of 3.0, the corresponding payment base of Changsha's endowment insurance was 16803 yuan, and according to the lower limit index of 0.6, the corresponding payment base was about 361yuan, which was significantly higher than the average payment level in Hunan Province.

Then, in Changde City, Hunan Province in the same year, the social wage used was only 3,870 yuan, and the corresponding 0.6 lower limit payment base was 2,322 yuan, while the upper limit 3.0 index corresponding to the base was only1.654,38+0.610 yuan, which was obviously lower than the average level of Changsha City and the whole province. The comparison of the three amounts is as follows:

Therefore, it will be found that even the newly retired workers in Hunan Province in the last two years, due to the different payment bases in different places before 2065438+July 2009, it is difficult to reach the unified standard of the whole province!

For example, the payment index is also 1.0, and the length of service of Changsha continuous payment 10 is undoubtedly more than that of Changde continuous payment 10. That is to say, before July 20 19, Changsha was actually higher than 1.0, but in Changde, ......

Therefore, even if you newly retire in 20021and 2022, the personal account pension will be very different due to the different payment, and the basic pension in the first part of the calculation formula will also be obviously different-obviously, the pension for those who retire in Changsha will be much higher! As the saying goes, "Pay more, get more."

However, in 20 19, the state changed the relevant policies and changed the statistical caliber of this social wage from the original "non-private social wage" to "full-caliber social wage"-so this will lead to the reduction of social wage data. In order to prevent people who are nearing retirement from losing money in recent years, Hunan has set up a calculation base of 6728 yuan for old-age insurance.

But now the pension payment base in Hunan Province is unified to 6,728 yuan, which is much fairer than before the provincial overall planning in July 1965. From 438 to 2009, at least the retirees of the same working age in Hunan Province are not as big as before.

Last words: Although the payment base of the old-age insurance in Hunan Province is 6728 yuan, before July 20 19, the payment base of each city in the province was different, resulting in different personal accounts-and personal conditions such as length of service, retirement age, calculation months and payment index are also different.

Therefore, in 2022, the pensions actually paid by newly retired workers in Hunan Province will be different. Generally speaking, the retirees of institutions, large state-owned enterprises and central enterprises will be significantly higher.

If you want to raise your pension, it is the right way to participate in the insurance payment in a relatively developed city in Hunan Province when you are young, or to work in a large state-owned enterprise or a central enterprise with a relatively high payment index. At present, it is certainly unrealistic for everyone to pay 6728 yuan.

However, with the development of provincial and national endowment insurance, the pension gap between two people with the same length of service in Hunan Province will definitely become smaller and smaller in the future.