Length of service is crucial to enterprise retiree, the principle that gets because of basic annuities is, "Much capture is much, chief pay is gotten more " .
Enterprise retiree length of service is longer, gotten old-age pension is more, if follow institution retiree photograph to compare 40 years of similar length of service, the difference that emeritus salary exists is very big.
So formidable analyse enterprise retiree only today, length of service is mixed 39 years gap of 40 years of wage, main component is the following 3 kinds of circumstances.
1
? The first kind of circumstance, difference of length of service is to be in last years.
Last years, one paid endowment insurance, one did not pay endowment insurance. The annuities computation that visits town individually according to us is formulary, annuities of each years pays fee, can produce difference of a salary.
Balance can arise in two respects, it is fundamental annuities, 2 it is individual account annuities.
If make the same score base to pay fee according to the company full a year, fundamental annuities difference can be of 1% emeritus go up year society is average salary.
Difference of individual account annuities, want a basis to delimit the money of individual account is counted, except the plan hair that fixes with emeritus age the month is counted, if be,60 years old retire, emeritus wage gap can be of 0.7% go up year society is average salary.
Accordingly, our emeritus wage gap can be of 1.7% emeritus go up year society is average salary. If be the pay cost base of 60% , difference is 1.2% .
If the company equal pay of a city is,5000 yuan are controlled, so annuities difference of every months can be in 60 to 85 yuan between. For instance of Beijing the company averaged salary 2017 is 8467 yuan, difference can be in 100 to 150 yuan between.
As economic development, average wage is increasing the society year after year, average salary with the company year increase scope on average 8% will calculate, the basic annuities when be equivalent to retiring also increased 8% the left and right sides.
Capture expends fixed number of year to differ one year, individual account stores the forehead is more, annuities of calculative individual account also is about much.
2
? The 2nd kind of circumstance, poor fixed number of year depends on 90 time metaphase, we just established period of account of endowment insurance individual.
The characteristic of this times is individual account annuities very little, although experienced the accrual of charge to an account of long period to boil,put, general difference of individual account remaining sum also is controlled in 889 yuan, be equivalent to 60 years old retiring, raise 5 yuan emeritus wage.
Accordingly, emeritus pay needs formula of computation of according to annuities can be 0.8% to 1% emeritus on average wage adds year society 5 yuan. 5000 yuan word is emeritus difference is 45 go to 55 yuan.
3
? The 3rd kind of circumstance is, it is the length of service before establishing individual account a year when lack, inspect especially with the time that pay fee.
One this year length of service should be used at computational foundation annuities to mix commonly transitional annuities, but do not have individual account annuities.
Whole nation of formula of fundamental annuities computation is unified. Transitional annuities consideration is formulary and undue coefficient whole nation from 1% to 1.4% .
Accordingly, one year difference can bring about emeritus wage gap to be in 2% to of 2.4% emeritus on year society is average between salary, many places are inspected with the fixed number of year that pay fee direct according to the society average wage is calculated.
According to the society of average wage different, emeritus wage gap of this year can be in 100 to 120 yuan between, beijing company is smooth can control in 168 yuan.
Will see our emeritus treatment from this, every pay cost can cause the growth of materiality one year. If want to maintain the basic life before we are emeritus, substitution rate should achieve 70~80% , endowment insurance hands in expenses fixed number of year to want to be in 40 years at least above.
So, we can not satisfy endowment insurance capture to expend 15 years merely enough, that is a kind of safeguard of the person that gives lowest living standard, live for aged have a youthful look appreciably is bounteous, still be much capture a few years is good.
