How to calculate the retirement pension in 2018
4hw.com.cn: pension is also called pension, which is the main pension treatment in our society. In recent years, the number of retirees in our country has gradually increased, and the pension has also attracted people's attention. With the improvement of the national economic level, the pension in our country is also increasing, so how to calculate the 2010 pension? The following small edition brings you a detailed pension calculation method.
How about 2018 retirement pension?
Pension = basic pension + individual account pension
Individual account pension = individual account deposit & pide; number of calculation months (the number of calculation months is determined according to the retirement age and the average life span of the population at that time. The number of calculation months is slightly equal to (average life expectancy retirement age) X12. At present, 50 years old is 195, 55 years old is 170, 60 years old is 139, no longer unified is 120.)
Basic pension = (monthly average wage of on-the-job employees in the previous year + monthly average payment wage of my indexation) & pide; 2 & times; payment period & times; 1% = monthly average wage of on-the-job employees in the previous year in the whole province (1 + my average payment index) & pide; 2 & times; payment period & times; 1%
In the formula: my indexed monthly average payment wage = the monthly average wage of on-the-job employees in the province last year & times; my average payment index
In the above formula, it can be seen that, in the case of the same payment period, the level of basic pension depends on the average payment index of individuals, which is the average value of the ratio of their actual payment base and social average wage over the years. The lower limit is 0.6 and the higher limit is 3.
Therefore, in the two calculations of pension, no matter what the situation is, the higher the contribution base is, the longer the contribution period is, the higher the pension will be. The pension is provided for indefinitely. As long as you get your life savings, you can enjoy the monthly pension benefits. Even if the individual account pension has been used up, you will continue to pay the basic pension according to the original standard. Moreover, the individual pension will increase year by year according to the increase of the monthly average wage of the social workers on duty. Therefore, the longer you live, the more you can get, and the more cost-effective it is to pay.
For example: according to the above formula, it is assumed that when a male employee retires at the age of 60, the average monthly wage of the on-the-job employees in the province in the previous year is 4000 yuan.
When the accumulated payment period is 15 years
When the average payment base is 0.6, basic pension = (4000 yuan + 4000 yuan & times; 0.6) & pide; 2 & times; 15 & times; 1% = 480 yuan
When the average individual payment base is 1.0, basic pension = (4000 yuan + 4000 yuan & times; 1.0) & pide; 2 & times; 15 & times; 1% = 600 yuan
When the average individual payment base is 3.0, basic pension = (4000 yuan + 4000 yuan & times; 3.0) & pide; 2 & times; 15 & times; 1% = 1200 yuan
When the accumulated payment period is 40 years
When the average payment base is 0.6, basic pension = (4000 yuan + 4000 yuan & times; 0.6) & pide; 2 & times; 40 & times; 1% = 1280 yuan
When the average individual payment base is 1.0, basic pension = (4000 yuan + 4000 yuan & times; 1.0) & pide; 2 & times; 40 & times; 1% = 1600 yuan
When the average payment base is 3.0, basic pension = (4000 yuan + 4000 yuan & times; 3.0) & pide; 2 & times; 40 & times; 1% = 3200 yuan
Personal pension = basic pension + personal account pension = basic pension + personal account savings & pide; 139
The average payment index is that you paid according to the base of 1000 last year, and the average social wage of 2000 that year is 0.5. It's easy to calculate the average of every year, and then you can calculate how much pension you have.
How to get pension after retirement?
1. If the endowment insurance relationship is in the registered permanent residence, it shall be collected locally. It's easy to understand that if you pay endowment insurance in the place where your account is located, you will receive pension in the place where your account is located.
2. If the endowment insurance relationship is not in the registered residence, it shall be collected in the area where the accumulative payment has been made for 10 years. That is to say, if the endowment insurance is not paid in the place where the registered permanent residence is located, the endowment insurance fund will be collected in the place where the endowment insurance has been paid for more than 10 years.
3. If it is not in the registered residence and the payment is less than 10 years, it shall be transferred back to the previous payment with full years. That is to say, if you have worked in n cities and paid pension insurance for less than 10 years before retirement, you will go back to the last city where you paid pension insurance for 10 years.
4. If you have paid endowment insurance for less than 10 years in all the cities you have stayed in, you will go back to the place where your account is.