The later you retire, the higher your pension will be, but why are many people unwilling to retire later?

Whether you want to retire later varies from person to person. Let's specifically analyze the following three types of people:

My dad belongs to this type. He worked as a civil servant all his life and became a deputy director 20 years before he retired. His job is easy. Every day he just assigns tasks to his subordinates as a whole. During this period, he asked about the progress, and after the subordinates completed the task, the inspection results were good. Especially in the six years before retirement, he did nothing at all.

Every day, he just holds a teacup and chats with his old colleagues at work, or plays computer and reads newspapers. For my dad, the work unit is where a group of old colleagues hang out with him. Of course he is willing to retire in the future.

The later you retire, the higher your pension. However, for an old cadre like my dad, he has worked in the unit all his life, and the unit is also his spiritual sustenance to some extent. He is willing to retire in the future, at least he seems to be a member of the country.

Aunt Wang is 45 years old this year. She works as a worker in a clothing factory. Her daily job is to make clothes on the sewing machine. She looks forward to retiring at the age of 55 every day. Someone joked that she expected to retire at 45.

Wang Yi gave a wry smile and said, "You don't know that the workers are suffering. There are only four days off in a month, and it is common to work overtime every day in the peak season. My neck is stuck every day and I can't stand straight.

I really don't want to do it if I'm not looking for social security and looking forward to receiving a pension at the age of 55. I am looking forward to retiring early, growing vegetables and raising chickens in my hometown, and living a comfortable life! "

Rainbow Yi, a worker with a heavy workload, is unwilling to retire in the future. They don't care much about pensions, as long as they have enough food and clothing. They have been busy for most of their lives and just want to live a long life with their pensions. Or grow vegetables and raise chickens, or have fun with grandchildren. In short, there is no need to work hard for a living.

Also, laid-off workers are unwilling to retire in the future. When I was laid off in middle age for various reasons, most of the days after being laid off were hard. Or open a small vendor, or do odd jobs, or do cleaning and so on. They also need to buy social security in full out of their own pockets.

After one year, they have spent more than 10,000 yuan on social security. This is a big expense for them. If they retire late, it means that they have to pay for a few more years of social security and get a few less years of pension. Of course they don't want to retire in the future.

Liang Jiao is 48 years old this year. After graduating from college, she went to work in a bank, and all her neighbors envied her. But Liang Jiao's heart is bitter and she can't say it. She didn't marry and have children until she was in her thirties. She suffered a lot when she was pregnant and gave birth to a child when she was old. After the baby was born, it was noisy, and her mother-in-law didn't give her strength or sit well.

From then on, Liang Jiao's health was not as good as before. This year, she entered menopause, and all kinds of upset, insomnia, irritability and anxiety made her suffer.

The work in the bank is not worry-free, and she has to cope with it desperately every day. In spite of such efforts, she will forget things. She sighed: "This sick body can't recognize old age. Hey, if there is no other lofty ambition, I am looking forward to retiring early, and my body can't stand it! "

Health is the capital of the revolution. People in poor health do their best to do things, and the effect may not be good. And with the growth of age, the body that is not very good will only become more and more uncomfortable.

It's not that they don't want to shine, but that their bodies really don't allow them to play too hard. For them, of course, they don't want to retire later.

To sum up, most people who have easy and decent jobs are willing to retire later, while those who have heavy work, average income or poor health are unwilling to retire later.

Before answering questions, share two cases.

Our neighbor Qingyi, a retired teacher, reached the legal retirement age six years ago. The school asked her to go through the retirement formalities, but Qingyi didn't want to retire so soon, so she applied to the school to stay and continue teaching, and the school agreed to the application. After that, Qingyi taught in the school. Instead of receiving a formal teacher's salary, she received a monthly pension and a subsidy for staying in school.

An old primary school teacher of mine went through the formalities of early retirement two years before the legal retirement age. Why did she retire early? It turned out that because the old teacher was in poor health, her son and daughter-in-law worked in the city all the year round and could not take care of her teaching in the countryside. Later, her son bought a house in the city and always hoped to take his mother to the city for care. Before, the old teacher was not so willing. It was not until the daughter-in-law gave birth to a child that she retired early to help take care of the child.

From the above two cases, we can draw the following two conclusions.

1. The later you retire, the higher your pension will be.

Aunt Qing in Case 1 didn't want to retire when she reached the retirement age of 55, but according to relevant policies, at this age, the school would have to go through retirement procedures for her, so even if she applied to stay in school to teach, she couldn't settle her salary like her previous formal salary, but received the pension she deserved, plus the subsidy for staying in school.

Therefore, it is not that the later you retire, the higher your pension will be. When you reach the legal retirement age, you already have a pension, which is related to the amount of social security you paid before, the number of years, and the average salary level of the whole province in the previous year, but not directly related to how long you retired.

There are two reasons for not wanting to retire late.

Why are many people unwilling to retire late? I think there are two reasons: one is that some people are not allowed to be healthy, and the other is that some people want to spend their old age as soon as possible.

Like the old primary school teacher in my case 2, one of the main reasons for her early retirement is her poor health. My son wanted her to help take care of her grandchildren, so she finally decided to retire early, which is considered to be an early retirement.

I think that makes sense, too. After all, health is the most important thing for the elderly. What's the use of asking for more pensions if they are not healthy?

Therefore, many people don't want to retire late, whether for active or passive reasons, I think this decision is quite good, because the older people are, the more they may want to have more time and freedom to take care of their health, do what they like and choose the life they like.

Of course, the premise is that you'd better retire early with success or full of joy, otherwise it may not be a good thing to retire early for other reasons, so I think it's better for us to work hard while we are young and strive to realize our wishes and goals, which is also a beautiful vision.

This is my view on this issue.

First of all, it is not that the later you retire, the higher your pension will be. It has something to do with the amount and years you paid social security and the average wage level in the province last year, and it has nothing to do with when you retired.

On the other hand, I think there are two main reasons why many people don't want to retire late. One is that the body does not allow it, and the other is that I want to spend my old age as soon as possible. But whatever the reason, I think it is a good decision to retire early, so we'd better take advantage of our youth and work hard to realize our wishes, realize early retirement and live a happy life. This is very meaningful.

It is true that the later you retire, the higher your pension, but the increase in pension is very limited. Some people don't want to retire late, but want to go through retirement formalities early, and find another job while they still have physical strength and energy.

In the past two years, many people here have applied for early retirement in order to find a sideline earlier. If you retire late, you will be old by then. To tell the truth, even if I want to go out to work, I have no physical strength and energy, and I may have no place to ask for it.

But not everyone is unwilling to retire late. As far as I know, many people want to retire as late as possible.

These people want to retire as late as possible, because the income after retirement will be much less than before.

Who wants to retire early?

In short, whether you want to retire early or late varies from person to person. According to everyone's actual situation, it is different to calculate an account, which is cost-effective.

This is also a problem in the workplace. I will answer this question in my capacity and from my point of view. And I have the same identity, maybe can produce * * *.

Born in June 1965, I am 55 years old.

1July, 987, graduated from technical secondary school and joined the work, becoming a national cadre.

In March 2003, I was laid off from a collective enterprise (a shopping mall in the supply and marketing cooperative system). Since then, I have been self-employed and do not enjoy any cadre or collective treatment.

Since I was laid off, I have paid my own pension insurance premium. More than 7000 yuan was paid last year.

Since I joined the work, the unit has not paid medical insurance premium, unemployment insurance premium and housing accumulation fund for me. After being laid off, I personally only pay the endowment insurance premium.

Since I was laid off, I have been self-employed, and I have a gap in my work for a while without any income.

I don't agree with the current delayed retirement policy (that is, a one-size-fits-all delayed policy). The reason is:

First, delayed retirement and less income.

When a person is over 50, it is difficult to find a job. You can look at the recruitment brochures of each unit. The age of male employees is generally under 50, and most of them are 45. I see. Because, when I am old, compared with young people, I lack energy, knowledge and spirit. It is difficult for gay men over 55 to find a job. No job, no income.

If you retire on time, you can get the old insurance at the age of 60. If you postpone retirement for two years, you will lose two years of income. If a person like me, the monthly pension insurance is 3,000 yuan after five years, 36,000 yuan after one year and 72,000 yuan after two years.

Second, delay retirement and spend more money.

There is no job and income, because of delayed retirement, you have to pay the old-age insurance premium yourself. According to the annual increase of 1 10,000 yuan in recent years, when I retire, that is, five years later, I will pay about10.2 million yuan of old-age insurance every year, which is 24,000 yuan in two years.

Retirement, first of all, is that the retired person is in a working state.

For a person who doesn't want to work, but can't find a job and is in a state of no work, it seems inappropriate to let him retire, and it is a bit difficult to explain why he should postpone his retirement.

From not having a job to delaying retirement, this corner has turned in my mind, which is a bit difficult to accept.

If I am working, let me postpone my retirement. I am still working during the extension, which is easy to explain. The word "delay" makes sense.

I'm unemployed. You asked me to retire. Where should I retire? Delaying retirement, delaying what?

In my opinion, this behavior of delaying retirement is essentially to let me pay the old-age insurance premium for two years and get my own pension two years later, which cost me about 65,438+10,000 yuan. These two years have been in a state of no job and no income.

Do to others what you don't want them to do to you. Excuse me, if this person is you, can you understand that you will delay your retirement if you lose your job and don't work? How do you feel?

Some people say that you can't find a job because you are incompetent and have no working conditions. In order to answer this question, I listed my basic situation truthfully. Look at my qualifications. Can you find anything? What kind of job should I look for?

I am 55 years old and in good health.

1987 majored in statistics of secondary school graduation plan, 1995 obtained college diploma in law self-study examination.

There are assistant statisticians (qualified in the national unified examination) and assistant economists (qualified in selection).

Working experience in commercial enterprises (assistant general manager), industrial enterprises (general manager), municipal engineering enterprises (general manager) and bureau-level organs (secretaries).

Experience in planning statistics, auditing, marketing planning, secretarial, industrial product sales, enterprise management, etc.

Proficient in computer writing and spreadsheet. B 1 According to 15 driving experience.

Some people say that this condition can find a job, and I also say that I can find it. However, at the age of 55, the staff in charge of recruitment brushed me off at the first pass, and I didn't even have a chance to meet senior leaders. My ability mainly lies in experience and experience, which is invisible and only on trial. But who will give me a chance to try?

Like me, people who have similar experiences and can't find a job because of their age, can you understand my feelings and feelings?

I graduated from 1987, assigned by the state. I was laid off because of national policies and enterprise restructuring, not because I personally asked to be laid off, nor because I was incompetent and dismissed by the enterprise.

I have no complaints about being fired. I have been self-employed for so many years, and I have no complaints. However, I am opposed to letting me and people of similar nature postpone retirement.

Suggestion:

First, according to the current national retirement standards, when you reach retirement age, you are in a state of no work or no work, go through retirement procedures on time, and receive pensions normally. In fact, the so-called retirement procedures are the procedures for receiving pensions.

Two, according to the current national retirement standards, when reaching retirement age, people who are working or working can be treated differently according to their own wishes.

(1) Those who are willing to retire as scheduled will go through retirement procedures normally and receive their pensions normally.

(2) In accordance with the regulations on delayed retirement, those who are willing to delay retirement will delay retirement and go through retirement procedures when it expires. According to the incentive measures of more work and more pay, the pension standard will be raised appropriately and the pension will be received. Encourage people who have jobs to delay retirement.

Third, don't think about delaying retirement just because there is a gap in pension, because it is a stupid way that doesn't conform to public opinion. This method seems to be effective, but it is simple, rude, careless and chilling.

Fourth, foreign experience cannot be copied. Don't say which country is what, that's somebody else. The experience of others is not in line with our national conditions. People can procrastinate, why? People are more fully employed. You have read the report that people are still working as waiters in their 80 s, and there are policemen in their 80 s.

What about us? The phenomenon of "4050" is quite common. Women are in their 40 s and men are in their 50 s, so it is already difficult to find a job. In this case, it is not easy for young people to find a job. Does delaying retirement make it harder for young people to find jobs? Without delaying retirement, can't we make more jobs for the younger generation with knowledge and vitality?

The above is my humble opinion, and everyone is welcome to criticize. Please also exchange views and make suggestions, so as to actively and steadily promote the policy of delayed retirement.

I am 50 years old and will retire for five years at the end of June. As soon as the early retirement policy came out, many people hesitated and thought that the retirement salary was too low. It's just that the later you retire, the higher your retirement salary, which makes people in a dilemma. I think this is a rare opportunity. After this village, there is no such store, so I decided to go through the retirement formalities. Let me analyze the reasons why many people want to retire early. Please correct me.

The environmental pollution in modern society is getting worse, and the food people eat is not very safe. There are many genetically modified foods. In addition, with the increase of income, there are more fish and meat, and the pressure of work makes people lose their smiles. Many middle-aged people in the workplace have premature gray hair, and heart disease, hypertension and diabetes are very common among them. Some people have cerebral thrombosis in their early fifties, and some don't even live to retire. They've seen a lot. If you know better, you should think about retiring early to save your life and admire the sentence "If you are not afraid of earning less, you are afraid of leaving early".

Although people in government agencies and institutions are under certain pressure, most of them do mental work, which is many times stronger than enterprise workers. Enterprise employees can not formally go through retirement formalities until they are 60 years old. There are several people working at this age, so they want to reach retirement age early and go through the formalities early. Laid-off workers are even worse. If they want to find their own jobs, they must pay their own pension insurance and medical insurance. Their annual income is more than 10 thousand, and they hope to leave early and never have to pay these fees again.

Some families have the old, the weak, the sick and the disabled to take care of, and some children go to college, and the family cannot do without people's "service." Some families have several suites, and the monthly rent alone is enough for their own expenses of eating, drinking and having fun, and they don't care about the money issued by the unit at all, and so on. I know several female students have long wanted to leave. There are old people and children at home who need to take care of themselves. A few years ago, I heard that delayed retirement was coming, which scared them one by one.

People with skills and brains work part-time when they go to work, earning even more money than their units. Their greatest wish is to retire early. So I can concentrate on working outside. If some engineers and technicians have not yet reached retirement age, they are attracted by some employers, hoping that they can retire early to exert their residual heat, so that they can get retirement wages and part-time wages. Why not?

Retirement is not necessarily late. You can retire at the age of seventy, but you won't pay it after fifteen years. If I can get a high pension at the age of seventy, I will. In addition, there is a big pension gap now.

Like civil servants, institutions or some state-owned enterprises in the system, most people are reluctant to retire early, even if they really don't want to go to work, they have to muddle along until the legal retirement age.

After all, if you are on the job, you will earn much more money than your salary after retirement. For example, my public security unit is much better than retirement, and you get about half. Therefore, many elderly people who are about to retire in our unit come to apply for a card every day, just to get a little salary.

In some high-risk industries, such as chemical plants, paint factories and other polluting industries in the past, people engaged in this profession will contact some toxic and harmful organizations every day, and the state will also stipulate in policy that people in these industries can retire early.

For example, my father works in a state-owned enterprise and belongs to the steel industry. He belongs to the front-line workers, so he usually relies on more physical strength, can't eat for a long time, and has some diseases, so he retired early at the age of 50.

Some people don't like what they are doing now, so they want to retire early to do what they like and go to work. There are many such people around.

A friend of my dad's works in a local newspaper, which belongs to the kind of office clerk. At the age of 55, he also retired early. Because he started to work as an intermediary in our local area in his thirties and earned several times the salary of ordinary newspapers, he chose to retire early to start his own small business.

For most people, work is also for a better life, so many people prefer to retire early in order to have more time to enjoy life.

After all, I have worked hard for most of my life and earned almost as much money as I should. I would rather earn less money and spend enough money than make myself so tired again.

And old age is approaching, and health is the first priority. More importantly, use this time to travel more, relax, do more things you like and keep your body and mind happy.

Even if you go fishing with friends, play chess, or spend time with your grandson, it is a good choice.

The above is my personal opinion, hoping to help you.