I. Information content of the case
Uncle Zhang in Shanghai worked from 1982 to 10, and retired in 2022, with a working life of 40 years. The actual payment period is 30 years, which is regarded as 10 year, and the balance of medical insurance account is150,000.
Second, data collection.
The data is very obvious, but several special main parameters need to be measured. First of all, combined with the average annual income in Shanghai, the loan interest is calculated at 4%, and the total amount paid at 60% is 6.5438+0.8 million yuan, which is higher than 6.5438+0.5 million yuan. It can be inferred that Uncle Zhang's payment index should be 0.6 or even lower than 0.6. Shanghai's payment index is quite special. If you are dissatisfied with 1 before 20 10, it will be calculated as 1. Therefore, Uncle Zhang's deemed payment index is1; Average monthly payment index =(28× 1+ 12×0.6) Pisces 40=0.88.
Secondly, the payment index of 0.88 shows that Uncle Zhang is not in the administrative institution in the middle and late period, because the payment index for going to work in such a place can mostly exceed 1. Therefore, Uncle Zhang is not a "person" of a public institution, and there is no need to calculate the pension according to the old and new methods! Finally, there is 10 year as the payment period, in other words, there is a transitional pension. The transitional pension in Shanghai is calculated in two stages: transitional pension = calculated amount × deemed payment period ×1.2%; On this basis, Shanghai added 1993 to 1997, and the total personal account was divided by 120.
Third, the calculation of endowment insurance
Uncle Zhang's pension insurance is divided into three parts: personal account pension insurance = 150000 Pisces 139= 1079 yuan. Overall account endowment insurance =11396× (1+0.88) Pisces 2×40× 1%=4285 yuan; Transitional pension =11396×10×1.2%+6,000 Pisces 120= 14 18 yuan. 1993 The average salary of employees in Shanghai was 47 1 yuan, and 1997 was 952 yuan. Personal account is only 6000 yuan high! The pension subsidy is 365 yuan. Shanghai requires staff to retire this year, and each will receive a supplementary pension of 365 yuan. Uncle Zhang's last endowment insurance =1079+4285+1418+365 = 7147 yuan!
Fourth, summary.
There are 7,000 kinds of old-age insurance, which many people think is very high. In fact, this old-age insurance in Shanghai can only be at the upper-middle level, even at the lower-middle level. With a 40-year payment period and a diversified base of Shanghai 10000, it is really rare to retire 7000 yuan!
Let's give another comparative example: If Uncle Zhang wants to receive a pension in Yunnan, what is the pension? The total personal account has shrunk to 80%, not too much. Personal account pension insurance is only around 800 yuan; Overall, the payment base is only a little over 6,000, and the payment index is only 0.6. In the end, it may be 2,000 yuan. Transitional pension, calculated by 10 year, is only 700 yuan. In the same time period and the same payment ratio, there are probably only 3,000 diversified Yunnan, but after the national average, there will be fewer and fewer details. Similarly, more than 7,000 yuan endowment insurance in Shanghai is only above average!
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