#头条创作挑战赛##妙笔生花创作挑战##长文创作激励计划##公务员#
Two days ago, I had a gathering with a few friends who were civil servants, and we were all talking about pensions after retirement. Especially Lao Zhang, he is about to retire, and he is worried about his life after retirement! Lao Zhang is a civil servant at the senior level, and he will have just turned 35 years of service by October next year. It stands to reason that Lao Zhang can go through the retirement procedures with peace of mind, but he is still a little worried, how much pension can he get every month after retirement?
I listened to Lao Zhang's question and felt quite curious. Lao Zhang's question seems simple, but in fact, it really has to be calculated. I said to Lao Zhang, let's take your situation as an example, a civil servant at the regular level, with 35 years of service, and will retire in October 2024, how much pension can he receive every month?
First of all, we have to figure out what parts the pensions of civil servants are made up of. Generally speaking, there are four main parts: basic pension, personal account pension, transitional pension and occupational annuity. The first two items are the basic items of pension insurance, and the last two items are considered to be supplementary.
Let's talk about the basic pension first. Its calculation formula is: the average monthly wage of on-the-job workers in the province in the previous year × (1 + individual average contribution index) ÷ 2× payment period ×1%. This formula seems a bit complicated, but in fact, the key elements are the number of years of payment and the average individual contribution index. The payment period is easy to understand, that is, how many years of pension insurance you have paid; The average contribution index depends on your salary level, the higher the salary, the larger the contribution base, the higher the index, and the more pension you receive.
Speaking of which, I am reminded that there are quite a few posts on the Internet discussing civil servants' pensions. Some netizens posted that he knew a deputy director-level cadre who could get a pension of nearly 10,000 yuan a month after retirement, and his life was called a nourishment. Some netizens said that the monthly income of ordinary section-level cadres after retirement is six or seven thousand yuan, which is not too high compared with the pension of ordinary wage earners. It seems that everyone is quite sensitive to the pension treatment of civil servants.
The transitional pension is for the number of years of service before September 2014, which is the deemed contribution period. Because no personal account has been established before this, it is necessary to use a transitional pension to make up for this part. It is calculated as follows: the average monthly wage of local on-the-job employees in the previous year× the individual deemed contribution index× the deemed payment period × transition coefficient. The deemed contribution index is linked to the job level, and the higher the level, the greater the index. The transition coefficient is generally set at 1.3 per cent.
In this regard, some netizens put forward different views, he felt that the transitional pension was unfair, allowing civil servants who worked before 2014 to take advantage. However, some netizens explained that this is to take care of the old comrades, and their pension benefits cannot be reduced too much.
The third item is the personal account pension, that is, the part of the money you pay yourself, which is stored in the personal account, and is paid monthly after retirement, until it is paid. How much do you send per month? You can divide the amount of money in your personal account by the number of months you have to pay for it. The number of months is determined according to the retirement age, and the later you retire, the fewer the months and the more you will receive the monthly amount.
Finally, there is the occupational pension, which is jointly paid by units and individuals after October 2014, with units paying 8% and individuals paying 4%. This part of the money is specially placed in the occupational pension account, and it is also received according to the number of months after retirement. Some netizens praised the occupational annuity, saying that it is a good incentive mechanism that can mobilize the enthusiasm of civil servants.
Having said so much, let's take Lao Zhang's situation as a calculation. Assuming that Lao Zhang retires in October 2024, his indicators are as follows: he has been working for 35 years, of which 25 years are deemed to have paid contributions, a personal account balance of 70,000 yuan, an occupational annuity account balance of 105,000 yuan, an average personal payment index of 1.3, and an average monthly salary of on-the-job workers in the province in 2023 is 8,000 yuan.
Then, after Lao Zhang retires, the basic pension he can receive every month = 8000× (1+1.3)÷2×35×1% = 3220 yuan. Transitional pension = 8000×1.31×25×1.3% = 3380 yuan. Personal account pension = 70,000 yuan÷ 139 months = 504 yuan. Occupational annuity = 105,000 yuan÷ 139 months = 755 yuan.
Adding these four items together, Lao Zhang, as a civil servant with 35 years of service, receives a total pension of 7,859 yuan per month after retirement. I gave Lao Zhang the detailed calculation process, and he nodded again and again, with a little more pleased smile on his face.
Seeing this figure, I can't help but think of the heated discussion about some civil servants' pensions on the Internet. Some people say that the pension received by civil servants is much higher than that of ordinary employees, which is not fair; There are also people who believe that civil servants work hard and have heavy responsibilities, and that they should enjoy more generous treatment after retirement. Some netizens said that it is not only the absolute number of pensions, but also how much civil servants have contributed to the country and the people. Each of these views has its own merits, but one thing is certain: a civil servant like Lao Zhang, who has served the country and the people for 35 years, will be treated considerably after retirement. After so many years of hard work, in exchange for a decent and secure retirement life, it is well deserved.
I told Lao Zhang that in fact, the state has always attached great importance to the old-age security of civil servants, and various policies and regulations are constantly improving. For example, some time ago, the Ministry of Human Resources and Social Security issued a circular requiring all localities to strictly implement the retirement policy for civil servants to ensure that all the guarantees that should be guaranteed and those that should be issued are issued. As the staff of the Human Resources and Social Security Bureau, what we need to do is to implement these policies, so that every civil servant can have something to support and rely on for the elderly. Lao Zhang listened to it and said yes again and again, and strengthened his confidence in living a worry-free life after retirement.
Seeing Lao Zhang's satisfied smile, my heart was also a lot easier. In fact, the controversy on the Internet about the "high" and "low" pensions of civil servants is superficially about treatment, but in the final analysis, they are still concerned about fairness and justice. As a worker of the Human Resources and Social Security Bureau, I am well aware of the importance of the pension insurance system, which is related to the vital interests of hundreds of millions of people. What we have to do is to insist on proceeding from the national conditions, and while protecting the basic pension rights and interests of the broad masses of the people, we must also take care of the demands of special groups.