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retire It is a problem that every employee must face, and it is also an unavoidable situation for a company or an employee. Because people will eventually grow old and their labor capacity will naturally be greatly reduced, our country has to stipulate a retirement system, which is the needs of the country and people can't resist Pension for enterprise retirees What is the calculation method of? Let's take a look with Xiao Bian.
Abstract: Implemented in 2004《 Enterprise annuity The Trial Measures has limited the payment conditions of enterprise annuities, and employees cannot receive them at will. Article 12 stipulates that when the employees meet the requirements of the state Retirement age When the employee has not reached the retirement age stipulated by the state, he/she shall not receive funds from his/her personal account in advance. Then, how to calculate the enterprise annuity after retirement? Let's see specific examples.
Suppose an employee's total salary last year was 72000 yuan, and now 100 yuan is transferred from his salary every month to his personal enterprise annuity account, then how much enterprise annuity can he get when he retires 30 years later?
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1、 Calculation method of pension for enterprise retirees
According to《 Social Insurance Law 》According to the regulations, the basic pension consists of the overall pension and individual account pension. The basic pension is determined according to such factors as the cumulative contribution years of individuals, contribution wages, average wages of local employees, amount of individual accounts, average life expectancy of urban population, etc.
If the insured meets the retirement conditions, they shall go through retirement procedures in a timely manner. After being approved by the district/county human resources and social security administrative departments, they will enjoy the pension from the next month after approval. The pension standard is calculated and paid according to the time when the retirement conditions are met, as follows:
（1） For normal retirees, the time when they reach the retirement conditions is the month when they reach the statutory retirement age;
（2） For early retirees, the time when they meet the retirement conditions is the month of retirement approved by the human resources and social security department;
（3） For those who have deferred payment due to work needs, the time when they meet the retirement conditions is the month of the whole year after the deferred payment;
（4） For those who have reached the statutory retirement age and whose payment period is less than 15 years, the time when they meet the retirement conditions is the month when they have paid their contributions for 15 years;
（5） The time when a person reaches retirement conditions during the medical treatment period for work-related injuries is the month when he or she reaches the statutory retirement age.
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