Recently, Shandong issued the "Notice on Issues Concerning Improving the Basic Pension Insurance Policy for Residents", the main content of which is to adjust the pension insurance for urban and rural residents. Let’s briefly analyze the relevant content below.

1. The relevant content of Shandong residents’ pension insurance has been adjusted this time. The payment standards for urban and rural residents’ pension insurance in Shandong are divided into 100 yuan, 350 yuan, 500 yuan, 800 yuan, 1,000 yuan, 3,000 yuan, 5,000 yuan, 8,000 yuan*** for 8 grades. Note: The 100-yuan level is for special groups, mainly referring to the exclusive level for special poverty-stricken, subsistence allowance and other groups, and is paid by the government. Compared with last year, the grades of 300 yuan, 600 yuan, 1500 yuan, 2000 yuan, 2500 yuan and 4000 yuan have decreased, while the grades of 350 yuan and 8000 yuan have increased. The lowest grade has not changed, but the highest grade has been increased from 5,000 yuan to 8,000 yuan, an increase of 3,000 yuan.

2. How much can you receive from Shandong residents’ pension insurance? Residents’ pension insurance consists of personal account pensions and basic pensions. Among them, the basic pension depends on each province, and to be precise, it is unified for each city; while the personal account pension is closely related to the level of resident pension insurance that the individual chooses to pay. For different levels of personal account pension payment, the national subsidies are also different. To be precise, the subsidies are different at the national, provincial and municipal levels. For example, if you pay according to the lowest level of 350 yuan (the 100 yuan payment level cannot be chosen by individuals, it is the lowest payment level established by the state for special groups), the annual state subsidy is 30 yuan, and the actual personal account credit is 380 yuan. You can retire after paying for 15 years. Your personal account will increase by 380 yuan every year, and the total increase will be 5,700 yuan in 15 years. When retiring at this time, the personal account pension is 5,700 yuan divided by the number of payment months: 139, and the individual receives 41 yuan. The basic pension, taking Shandong as an example, is 160 yuan per month. When you actually retire, the personal pension amount is 41+160=201 yuan. If the payment is made according to the highest standard of 8,000 yuan and the state subsidy is 80 yuan, the personal account balance after 15 years will be 121,200 yuan. When you retire at the age of 60, your personal account pension is 872 yuan. Including the basic pension of 160 yuan, the actual personal pension is 1,032 yuan, which is already more than 1,000 yuan. Compared with those with flexible employment, the difference is not too big.

Reminder: If the maximum payment standard is higher than the Shandong standard, the original standard will apply. In other words, for example, in Qingdao, the payment levels are divided into 16 levels, and the highest level is 12,000 yuan. If you pay according to the highest level in Qingdao, the base is 12,000, not the 8,000 yuan in Shandong Province. For example, if you pay 12,000 yuan for 15 years, the state subsidy is 100 yuan per year, the personal account pension is 1,306 yuan, the Qingdao basic pension is 210 yuan, and the actual amount received is 1,516 yuan. It can be seen from the above three examples that after paying urban and rural residents’ pension insurance in Qingdao for 15 years, the final pension received ranges from 201 yuan to 1516 yuan, which is quite a big difference.