What is the difference between early retirement and normal retirement for workers? How much is the pension difference?

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

1. Regarding early retirement policies

Here I will briefly tell you about the early retirement policies:

The first is special operations personnel. It is best for those who work as operators to retire five years in advance;

The second is retirement. Those who are judged to be incapable of working by the municipal labor appraisal committee can retire five years in advance;

The third is retirement. Retirement, those who are judged to be incapable of working after more than 5 years of leave can choose to retire, and can also choose early retirement policy;

Fourth is retirement, retirement belongs to the early retirement policy of the department, and does not belong to the early retirement policy of social security ;

Fifth, if civil servants meet the conditions, they can retire five years early;

2. The difference between early retirement policy and normal retirement

There are definitely dangers. But the specific amount needs to be calculated using specific data:

Assume that a male employee is 55 years old this year and has paid social security for 25 years. The average monthly payment index is 1.0. The average salary of local employees is 6,000 yuan. The account has more than 170,000 yuan.

1. Retire 5 years early

Retirement pension insurance at the age of 55 = 170000÷176000×(1+1)÷2×25×1%=1001500 =2500 yuan;

The annual pension insurance is increased by 4% on average: 2500 yuan, 2600 yuan, 2704 yuan, 2812 yuan, 2924 yuan;

A total of 5 years of pension benefits The insurance is (2502602704+2812+2924) × 12 = 162,480 yuan;

Note: We cannot ignore the reduction of pension insurance benefits for retirement due to illness.

2. Normal retirement

Normal retirement must continue to pay social insurance for 5 years. Generally, the chance of salary change is not large, so 6,000 is used for calculation.

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

The amount of social security will increase according to the average of 9% across the country. After 5 years It's a little over 7,000.

The pension insurance personal account is 17+2.88=more than 198,800 yuan, including the loan interest, which is calculated based on 220,000 yuan.

After 5 years, 60-year-old retirement pension insurance = 220,000÷139+7000×(1+1)÷2×30×1%=1582100=3680 yuan;

3. Comparison between the two

First, a normal retirement after 5 years will provide 3680-2924=660 yuan more pension insurance than a normal retirement 5 years earlier;

The second is a normal retirement. I overpaid more than 28,800 yuan, which is an extra 660 yuan per month. It will take 43 months to get it back, which is actually 35 years later.

The third is that after 5 years, the annual pension adjustment is 3680 yuan after normal retirement, and 2924 yuan for those 5 years in advance. Calculated according to 4%, normal retirement An additional adjustment of 26.4 yuan is required!

The fourth is to retire 5 years early, so you can save 5 years of work and have 5 years of free time!

Finally, it is worth mentioning that not everyone can enjoy the early retirement policy. Very few people enjoy it.

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