How much money will a staff member of government agencies and institutions have after 40 years of service after retirement?

For retired people in administrative institutions, compared with retired elderly people, the calculation method of pension insurance is more special. For people with 40 years of working experience, deputy senior professional titles, and those who retire before 2024, it is only the plan paid. The issuance of pension insurance benefits involves pension supplementation. How much will the pension insurance premium be after the supplement is made?

We can take a look at two retired Chinese netizens with deputy senior professional titles. They shared their pension insurance status:

1. Coordinates of Jilin Province, retired in 2017, deputy senior With a fifth-level professional title, after topping up his pension, he now has 6,953 yuan.

2. Located in Anhui Province, with 40 years of service, a sixth-level deputy senior professional title, a pension insurance of 6,400 yuan, an enterprise annuity of 383 yuan, and a housing subsidy of 349 yuan.

As you can see, for employees in administrative agencies and institutions with deputy senior professional titles, the pension insurance is generally six to seven thousand yuan. Naturally, it will be higher in parts of Jiangsu and Zhejiang. Let’s do some calculations. For a person with 40 years of working experience and a deputy senior professional title who retires this year, how much can the pension insurance benefit be?

If the local government has not sorted out pension benefits, then this retired person will have to choose a license plate to distribute pension benefits based on his salary in 2014. This large amount of money will be very small, and it will be like a large amount. Living expenses. And until the local government clarifies pension benefits, the final decision on personal pension benefits will be based on the calculation of pension insurance benefits under the new and old methods. Let's take a look at how much its pension would be if calculated according to the old method.

The old method of calculating pensions is based on position and working years multiplied by a certain proportion, plus various allowances and subsidies. Assume that this retired employee with a deputy senior professional title, salary grade, salary and performance The assessment salary is 4,700 yuan, the working life is 40 years, and the calculation-to-pay ratio can reach 90. Then the most basic retirement pension is 4,700*90=4,230 yuan. Assuming that the local allowance is 1,200 yuan, then such a pension will be It is 4230 1200 = 5430 yuan. Let me tell you again, according to the new method, how much is its pension insurance?

Assume that this person retires in 2021 and has paid pension insurance since 2014. The actual payment period is 7 years, the deemed payment period is 33 years, the balance of personal pension insurance is more than 60,000 yuan, and the social security payment index value is 1.5. The average salary in local society is 6,000 yuan, and the transition index is 1.3. In this way, the pension insurance is equivalent to the pension, personal account, pension insurance and transitional pension. In addition, the enterprise annuity must be added.

The pension is equivalent to 6000*(1 1.5)/2*40*1=3000 yuan.

Personal account pension insurance is equivalent to more than 60,000 yuan/139=432 yuan.

The transitional pension is equivalent to 6000*(1 1.5)/2*33*1.3=3218 yuan.

The pension insurance calculated according to the new method is 3000 432 3218 = 6650 yuan.

Coupled with the enterprise annuity of 350 yuan, the overall pension insurance is 6650 350 = 7000 yuan.

Because he retired in the 7th year of the 10-year buffer period, the pension insurance refund ratio is 70, so the pension insurance calculated by the new method will be 7000-5430 higher than that calculated by the old method. =1570 yuan, so in fact, 1570*70=1099 yuan needs to be refunded every month. The next working units are government agencies and institutions. According to the relevant regulations on social security in public institutions, those who worked before 2014 can have deemed payment years. In other words, before 2014, the number of years they worked for will be regarded as payment years.

Then let’s talk about payment levels. According to the requirements of government agencies and institutions, employees will pay according to the corresponding salary and benefits according to the salary they receive. Personal social security will not be compared with the level of social security payment. The phenomenon of insufficient salary capacity, so the payment level of public institutions is very high, and the corresponding pension insurance benefits paid after retirement are relatively high.

In other words, if the pension insurance benefits are sorted out, the pension insurance benefits of this retired person should be 5430 1099 = 6529 yuan. Of course, the above can only be used as a demonstration and for everyone's reference. The actual situation depends on the person working with a deputy senior professional title, the specific salary situation, social security payment situation, etc.