Calculation method of Weifang pension

The year 2022 is 18, in which we continuously adjust the pensions of enterprise retirees, and the per capita pension level of enterprise retirees has increased from 700 yuan to nearly 3,000 yuan. Pensions have increased by 4% this year. At present, 20 provinces including Beijing, Shanghai and Heilongjiang have announced pension adjustment plans. Although the pension adjustment plan of Shandong Province has not been announced for the time being, it is believed that it will be announced soon before the end of July, and the pension adjustment difference will be paid in place at the end of July. How much pension can I get by participating in endowment insurance? This is a problem that everyone is very concerned about. A friend asked him about his pension insurance payment 18, and the balance of his personal pension account was 62,000 yuan. He retired at the age of 50. How much can he get after retirement? Basic pension calculation formula.

Participating in endowment insurance is to accumulate pension benefits month by month. Every month the old-age insurance premium is paid, the pension will increase by one month. At present, the calculation formula of pension is basically unified throughout the country, mainly including basic pension and personal account pension. The actual use of the basic pension is the average monthly salary of employees in the previous year and the average monthly indexed salary of employees themselves, and they receive 1% every year of payment. Because many people pay according to the base of 60% (the lower limit of the base of payment), such payment index is generally 0.6. If it is in Sichuan, Shenzhen and other places, there was a 40% payment policy in the past, and the average payment index may be lower. If the average payment index is 0.6, you will receive 0.8% of the average social wage in the last year before retirement for each year of payment.

If you pay 18 years, you can get 14.4%. Due to the reform of the payment base caliber implemented by the state in 20 19, the social wages used to calculate pensions are generally also called the calculation base of pensions in that year. 202 1 year is 6893 yuan in Shandong province, and it is estimated that it will be around 7200 yuan in 2022. The base of pension plan will be published only after it is reported to Ministry of Human Resources and Social Security and the Ministry of Finance for the record, usually later. The pension calculation base 14.4% is expected to be 1036.8 yuan. The pension part of individual account is equal to the balance of individual account of endowment insurance divided by the number of months determined by retirement age. Retirement at 50 is 195 months, retirement at 55 is 170 months, and retirement at 60 is 139 months. However, the number of months for calculating individual accounts of endowment insurance is calculated according to the average life expectancy of urban residents in 2000.

According to the 14th Five-Year Plan, the system of calculating months will be further revised and improved. Personal account for endowment insurance is 62,000 yuan. Retire at the age of 50, and get a personal account pension of 3 18 yuan every month. The basic pension and personal account pension add up to about 1350 yuan per month. Many people may think that such treatment is a bit low, but this is only a static vision. Retirement at the age of 50, according to the average life expectancy of women, is 80 years old, and you can receive a 30-year pension in the future. As we all know, retirement pension is adjusted and increased every year. Even if it increases 100 yuan a year, it will increase to 4350 yuan after 30 years. If you live longer, you will get a higher pension standard. This is just a living allowance. After the death of the insured, his family members can receive funeral subsidies and pensions.

Legal basis:

The Interim Measures for the Treatment of Survivors of Basic Old-age Insurance for Enterprise Employees, the relevant treatment standards are linked to the per capita disposable income of towns and cities in the province where they died last year. The funeral allowance is two months and the minimum pension is nine months. In 20021year, the per capita disposable income of urban residents in Shandong province is 3922 yuan, and the standard of 1 1 month will exceed 43000 yuan. Therefore, a comprehensive calculation of our past pension insurance contributions actually includes funeral subsidies, pensions and personal account balances, and we will not lose money after receiving pensions for several years. It is very cost-effective for ordinary insured people, and must be insured if conditions permit.