Abstract After the basic pension insurance has been paid for 15 years, will it continue to be paid or not? Everyone may have their own "abacus" in their hearts. Recently, the question of how many years of pension payment is more "cost-effective", people...
After the basic pension insurance has been paid for 15 years, will it continue to be paid or not? Everyone may have their own "abacus" in their hearts. Recently, in response to the question of how many years of pension payment is more “cost-effectiveâ€, the Ministry of Human Resources and Social Security has responded: China is improving the incentive mechanism for overpayment and retire, the pensions for retirees when they retire, and the length of payment and payment for their work. The level is directly related.
Taking pensions for pensions as an example, according to the current pension payment system, the longer the payment period, the more funds in the personal account, the higher the percentage received from the pooled account. From the absolute amount, the contribution level is equivalent. In the case, the longer the payment period, the greater the amount of pensions received in a single month after retirement.
However, taking into account factors such as the depreciation of funds and the number of years of collection, some people are not willing to choose a way to pay more. Industry experts are also controversial about the incentive mechanism for current pensions.
A person from the Ministry of Social Affairs told the reporter of the Daily Economic News that it is reasonable to pay more for old-age insurance premiums. Some people may worry that there is a certain reason for not getting paid for the endowment insurance, but the mechanism is constantly improving. The fund balance of the account can be inherited, and the issue of inheritance of the pooled account is also under study.
Is the pension “overpaid�
Aunt Wang and his wife work in a county. They can receive pensions in a few years. However, after they have paid 15 years of pension insurance many years ago, they will not continue to pay pension insurance. “Not worthwhile†is given by Wang Ayi. reason.
In fact, Wang Ayi and his wife are not individual cases, and the society has always been controversial about the over-paid pension insurance incentive mechanism.
Tang Wei, secretary general and researcher of the Center for Policy Studies of the Chinese Academy of Social Sciences, told the reporter of the Daily Economic News. "Now, people who pay less may be relatively cost-effective, because there is a bottom line, the government has to go to the bottom, but pay less. The amount received is certainly relatively small."
In this regard, the person in charge of the Ministry of Human Resources and Social Security said that people's feelings of holding these ideas can be understood, but in fact, this practice is not "cost-effective." The pensions that retirees receive when they retire are directly related to the length of their contributions and the level of contributions. Paying a lot, long, and receiving pension levels are naturally high. 15 years is only a condition for judging whether the insured person can receive a monthly pension after reaching the retirement age.
Taking enterprise employees as an example, the basic pension for employees of enterprise employees is composed of basic pensions and personal account pensions. For those who have accumulated 15 years of payment, the basic pension monthly standard for retirement is based on the average monthly salary of the local employees in the previous year and the average monthly average monthly salary of the employee. The payment is 1% for every one year. The personal account pension month standard is the individual account storage amount divided by the corresponding number of months of payment.
"It can be seen that the basic pension and personal account pension of the insured personnel are closely related to the individual payment period and the amount of payment. The longer the individual payment, the more the payment, the higher the pension level." People said, "No matter which type of insured person, the overpayment of old-age insurance premiums is cost-effective."
"Beijing Business Daily" reported that, for example, a male employee who maintains a monthly salary of 5,000 yuan, if the employee works for 35 years and continues to pay pension insurance according to the payable ratio during the work period, 35 years later, the enterprise and The staff themselves paid a total of 588,000 yuan of pension insurance, and if they only paid 15 years, the total amount paid was 252,000 yuan. According to the formula, after 15 years of payment, the employee receives a pension of 1268 yuan per month, paying 35 consecutive years, and receiving a monthly pension of 2959 yuan. "I think the interpretation of the Ministry of Human Resources and Social Security is very reasonable." Professor Guo Guozhu of the Capital University of Economics and Business said to the reporter of "Daily Economic News" that the amount of pensions should not be viewed statically. The growth rate is very fast. Although there are certain inflation factors, it is very cost-effective after conversion.
Take Beijing as an example. In 2004, the average wage of Beijing employees was 28,348 yuan. In 2014, the average wage of Beijing employees reached 77,560 yuan, which was nearly doubled in 10 years.
Can a pooled account be inherited?
In fact, the so-called cost-effective is not cost-effective, is the expectation of the collection period, that is, the expectation of life.
According to media reports, for example, employees who pay a monthly salary of 5,000 yuan pay 15 years and 35 years respectively. According to the existing pension system, no matter which payment method is used, after retirement at 60, the employee must At least 16 to 17 years of continuous pension payment can be used to get back the company and all the fees it pays.
Some industry experts told the Daily Economic News that if the country implements a delayed retirement policy, such as the retirement of 65 years old, it may be even more unknown to be able to get back the business and all the fees it pays.
Regarding the impact of policies such as delayed retirement on pension incentives, the above-mentioned Ministry of Human Resources and Social Sciences believes that after implementing the delayed retirement policy, it feels that the pension is later, but the pension may be longer. The pensions received in the month will be higher. There is no problem with this. Of course, there are also concerns about whether there is such a long life, and the system should set a minimum number of years of collection.
At present, the personal accounts paid by the employees of the enterprise in the pension are distributed according to 139 months, and can continue to be collected later. However, if the insured person dies and receives less than 139 months, the balance of the personal account can be inherited according to law, and the account is unified. Some have no relevant regulations.
"The next step in the revision of the pension insurance system, the co-ordination account should also set a minimum period of release. If the minimum period is not reached, the remaining years of money should also be inherited by the children." The Ministry of Social Affairs experts said that the system is Constantly asking questions, constantly researching and improving the process, the inheritance of the unified account is also being studied.
Tang Wei believes that from the perspective of the state, in terms of basic old-age insurance, the more money is collected, the more money is sent, the better the government’s responsibility is. Only the basic life needs to be guaranteed, and it should be set aside. Space for the market, society.
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