What is the difference between early retirement and normal retirement for workers? What is the difference between pensions?

Some people understand: What is the difference between the early retirement policy of workers and ordinary retirement? What's the difference in endowment insurance? Let's talk about this topic with you today.

I. Early retirement policy

Here is a brief introduction to the early retirement policy:

First, special operations personnel, it is best to retire five years in advance for special operations personnel;

Second, retirement, which is judged by the Municipal Labor Appraisal Committee to be incapable of working, can be retired five years in advance;

Third, retirement. Those who have retired for more than five years and are assessed as incapable of working can choose to retire or retire early.

Fourth, retirement belongs to the early retirement policy of the department, not the early retirement policy of social security;

Fifth, civil servants meet the conditions and retire five years in advance;

Second, the difference between early retirement policy and normal retirement

Harm is certainly there, but the specific amount should be calculated with specific data:

Suppose a male employee is 55 years old and has paid social security for 25 years. The average monthly payment index value is 1.0, the average salary of local employees is 6,000 yuan, and the personal account is 1.7 million yuan.

1, retire five years early

At the beginning, the retirement pension insurance at the age of 55 =170000 ÷170+6000× (1+1) ÷ 2× 25×1%=/kloc-.

The average annual pension insurance premium is increased by 4%: 2,500 yuan, 2,600 yuan, 2,704 yuan, 28 12 yuan and 2,924 yuan respectively;

In five years, the total endowment insurance is (2500+2600+2704+2812+2924) ×12 =162480 yuan;

Note: The old-age insurance premium for retirement due to illness cannot be reduced or exempted without discussion.

Step 2 retire normally

Normal retirement must pay another five years of social security, and the general salary is unlikely to change, so choose 6000 again.

In five years, individuals need to pay social security 5× 6000× 8 %×12 = 28,800 yuan;

According to the national average of 9%, the number of social security workers increased to a little more than 7,000 five years later.

Personal account of endowment insurance17+2.88 =198,800 yuan, and loan interest is calculated as 220,000 yuan.

Pension insurance for retirement at the age of 60 after 5 years = 220000 ÷139+7000× (1+1) ÷ 2× 30×1%=1580+2.

Three, two are more.

1. Normal retirement pension after 5 years 3680-2924=660 yuan;

Second, the normal retirement salary is more than 28,800 yuan. It takes 43 months to get it back to 660 yuan every month, which is actually 35 years later.

Third, the annual pension adjustment after five years is 3,680 yuan after normal retirement and 2,924 yuan after five years in advance, with 4% adjustment. Normal retirement needs to be adjusted by 26.4 yuan!

Fourth, if you retire five years earlier, you can work five years less and have five years of free time!

Finally, it is worth mentioning whether everyone can enjoy the early retirement policy, and few people enjoy it.

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