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Good news! From June, you may have an extra amount of money in your salary card!
Shandong: 32.6 yuan per person per month will be increased
In accordance with the unified deployment of the state, with the consent of the Shandong Provincial Government and the approval of the Ministry of Human Resources and Social Security and the Ministry of Finance, recently, the Shandong Provincial Department of Human Resources and Social Security and the Provincial Department of Finance issued the "Notice on Adjusting the Basic Pension of Retirees in 2024" (Lu Ren She Fa [2024] No. 4), from January 1, 2024, the basic pension will be adjusted for retirees who have gone through retirement (post) procedures in accordance with the regulations and receive basic pensions on a monthly basis before December 31, 2023.
In terms of specific adjustment methods, in accordance with the requirements of the state, the method of "three combinations" of quota adjustment, linkage adjustment, and appropriate inclination has been adopted, and the adjustment methods for retired personnel of enterprises, government agencies, and institutions have been uniform. Among them: the fixed amount adjustment, which mainly reflects social fairness, and the pension per person increases by 32.6 yuan per month. The linked adjustment mainly reflects the incentive mechanism of "long-term payment and overpayment" and "overpayment and overpayment", which is specifically divided into two parts to calculate and increase the pension: the first part is to be linked to a certain proportion of my basic pension at the end of 2023; The second part is linked to the payment period (working years), and the amount of adjustment is increased in a stepwise manner. Appropriate tilt is mainly to appropriately raise the adjustment level of elderly retirees, and for elderly retirees who have reached 70 years of age or older, on the basis of the fixed adjustment and linked adjustment, a certain amount of pension will be increased.
The adjustment of pensions will benefit more than 860 million retirees in the province, and the relevant work is being carried out in an orderly manner, and the newly increased pensions will be issued before the end of July.
About retirement
Normal retirement conditions for enterprise employees: Male cadres (management and technical positions) at least 60 years old, female cadres (management and technical positions) at least 55 years old, female workers (production and operation positions) at least 50 years old, and all the years of payment (including the deemed payment period) for 15 years can apply for normal retirement.
Apply for early retirement for special types of work: 55 years old for men and 45 years old for women.
Flexible employment participants: When men reach the age of 60 and women reach the age of 50, the cumulative payment period reaches 15 years, and the retirement can be handled according to the regulations.
How much does the overpayment or underpayment of social security have on the pension?
In order to increase their salary, many people will ask the company to pay social security for themselves according to the minimum standard, but if you have been buying social security according to the minimum standard, how much is the pension after retirement?
Today we will give you an account.
How much does the overpayment of social security affect the pension?
Before we get to this topic, let's review how the pension after retirement is calculated.
I have also calculated for you before that our employee pension insurance is composed of "basic pension + personal account pension".
Basic pension = (average salary + contribution base) ÷2× payment period×1%
Personal account pension = total pension insurance paid / number of months
Let's split the pension calculation formula, it is not difficult to draw the following conclusions:
1. The level of the basic pension depends on the average contribution index and the number of years of payment of the individual
The average contributory wage index is higher, and the longer the contribution period, the higher the pension. The level of the average individual contribution wage index is related to the level of the contribution base and the length of the payment period.
To put it simply, the higher the contribution base and the longer the payment period, the higher the basic pension.
Second, the level of personal account pension depends on the cumulative amount of personal account savings and retirement age
For example, if a male employee retires at the age of 60, the number of months of payment is 139 months. Female employees retire at the age of 50 in production and service positions, and the number of months of payment is 195 months. Female employees retire at the age of 55 for management and technical positions, and the number of months is 170 months.
That is to say, the more accumulated savings in the personal account, the older the retirement age, and the more pension the personal account.
How much pension can I receive after paying social security for 15 years according to the minimum standard?
We first need to have a clear understanding of what the social security minimum means.
The minimum standard of social security means that the person who pays the insurance premium needs to pay the social security contribution according to the minimum contribution basis set by the local policy. This benchmark will vary depending on the region and industry, but is generally in the range of 2,000 yuan to 5,000 yuan.
So, what is the minimum amount of social security you need to pay?
It depends on the different types of social insurance, and each type of insurance needs to calculate a different amount. Today we are going to focus on pension insurance. The contribution rate for pension insurance varies from region to region and is generally between 8% and 12%.
For example:
Beijing's pension insurance contribution rate in 2023 is 8%. In 2023, Shanghai's personal pension insurance contribution ratio is 10%.
Therefore, if you pay pension insurance according to the minimum requirements in Beijing, you need to pay 5080×8% = 406.4 (yuan) per month; If you pay pension insurance according to the minimum requirements in Shanghai, you need to pay 4200×10% = 420 (yuan) per month.
If you have only paid for 15 years under the same minimum pension conditions, how much pension will you receive each month after retirement?
This will depend on factors such as the region and industry in which you retire, which in turn will determine the structure of your pension calculation.
Let's assume that the minimum payment base of pension insurance in Beijing and Shanghai remains unchanged, and we will roughly calculate:
Suppose you have paid a minimum pension insurance for 15 years in Beijing:
The basic pension that can be received every month after retirement is: 8000×15×1% = 1200 (yuan);
The monthly pension that can be obtained from the personal account is: (4876.4×15 + interest) ÷139 is about 600 yuan.
Therefore, the total monthly pension you can get after retirement is: 1200 + 600 = 1800 (yuan).
Let's say you have paid a minimum pension insurance for 15 years in Shanghai:
The calculation of the monthly basic pension after retirement is: 8000×15×1% = 1200 (yuan);
Your personal account pension is (5040×15 + interest) ÷139 is about 650 yuan per month.
Therefore, the total monthly pension after retirement is: 1200 + 650 = 1850 (yuan).
It should be noted that the above data is for reference only, because the reality is complex and will definitely be different from this data. The difference in personal salary level, local salary level, payment period, retirement age, and payment grade will affect the change of pension.
Here, we also recommend that if economic conditions permit, try to increase the social security payment base and payment period.
How do you calculate how much pension you can get?
We're here to introduce you to two ways:
1. National social insurance public service platform
Log in to the National Social Insurance Public Service Platform (http://si.12333.gov.cn)
Click on "Pension Insurance → Benefits Calculation→Enterprise Employee Pension Insurance Benefits Calculation", fill in the corresponding parameters, and then calculate.
2. Electronic social security card APP/applet
There are also these questions about pension insurance
1. Do pension insurance have to be paid for 15 consecutive years before receiving a pension?
The social security law of the mainland stipulates that individuals who participate in the basic pension insurance and have paid contributions for 15 years when they reach the statutory retirement age shall receive the basic pension on a monthly basis. Therefore, the condition for receiving a pension is that the pension insurance has been paid for 15 years, not for 15 consecutive years. The payment period includes the actual payment period and the deemed payment period.
2. When an employee reaches retirement age and has not paid social security for 15 years, can he apply for an extension of payment?
Taking Beijing as an example, for the insured persons with household registration in the city, if the cumulative number of years of basic pension insurance payment is less than 15 years when they reach the statutory retirement age, they can apply for an extension of the payment of basic pension insurance premiums.
For the insured persons with household registration in other cities, men who have reached the age of 50 and women who have participated in the basic endowment insurance in the city before the age of 40, and who have paid the basic endowment insurance for 10 years but less than 15 years in the city, and whose basic endowment insurance relationship is not in the place of household registration, can apply for an extension of payment.
3. How can the household registration in other cities determine that the place of pension insurance benefits is Beijing?
If you are not registered in this city, the basic pension relationship is not in the place of household registration when you reach the statutory retirement age, and you have established a basic pension insurance relationship (non-temporary payment account) in Beijing, and Beijing is the last place where you have paid for 10 years, then the place where you receive pension benefits should be determined to be Beijing.
How to get a pension?
1. "One thing" can be packaged
Taking Beijing as an example, when employees reach retirement age and log in to the "Retirement Package" platform, they can apply for pensions, enjoy retirement medical insurance benefits and withdraw housing provident funds for retirement.
The SMS platform will send reminder text messages to the insured (excluding early retirees) who are 1 year away from the statutory retirement age; The reminder text message will also be sent to the social security personnel of the insured unit synchronously.
The social security manager of the unit can log in to the "Retirement Packing One Thing" platform to submit an application for pension for employees according to the SMS prompt. Please ensure that the mobile phone number is accurate.
▼Swipe up and down to view the specific process
Source: Beijing Municipal Human Resources and Social Security Bureau
Source: Comprehensive Shandong Provincial Department of Human Resources and Social Security, Beijing Human Resources and Social Security, National Social Insurance Public Service Platform, 51 Social Security Network, etc