The website of the Ministry of Human Resources and Social Security announced on June 30, "Human Resources and Social Security Career Development" 14th Five-Year Plan "which on the early retirement reform movement, clear that it will be in accordance with the" small steps to adjust, flexibility in implementation, classification and promotion, integrated and balanced" and other principles. principle, the steady implementation of progressive delay in the statutory retirement age.
1, China's current retirement age:
In 1951, the State Council promulgated the labor insurance regulations, the retirement age of male workers is 60 years old, the retirement age of female workers is 50 years old. 1955, the State Council promulgated the retirement age of female cadres is 55 years old.
2. What does delayed retirement mean?
Delayed retirement means that your working life will be longer and you will receive your pension at a later point in time. Simply put, it means more time working and less time enjoying yourself.
3. Why delay retirement?
① population life expectancy growth: the average life expectancy of China's population in 1949 was 42 years, and now the average life expectancy of China's population has reached 75 years.
② Decrease in the total labor supply: China in 2012 for the first time in the phenomenon of decline in the total labor force resources, compared with the previous year decreased by 3.45 million people, the working-age population accounted for the proportion of the total population decreased by 0.6 percentage points.
③ Accelerated growth of the aging population: at present, China's aging population accounts for 14.9% of the total number of people, and is expected to reach 38.6% by 2050.
④ Large pension gap: at present, the dependency ratio of post pension insurance is 3.04:1, i.e. 3 active employees support 1 retiree.
⑤ Avoid wasting human resources: 50 or 60 years old is the age stage of experienced people, if they retire too early, it will cause a huge waste of human resources.
4. Who will be most affected by the delayed retirement?
Assuming that the delayed retirement landing implementation in 2022, there will be three groups affected by the new policy:
① less than or equal to the age of 50 years old female workers (1972 and after the birth of women)
② less than or equal to the age of 55 years old female cadres and male workers (1967 and after the birth of people)
5, progressive retirement delay timetable
China is currently the world's earliest retirement age, the average retirement age of less than 55 years old. So how will the retirement age change after the implementation of the delayed retirement program?
6. The impact of delayed retirement on various aspects
The implementation of delayed retirement may have a corresponding impact on some industries. For example, the elderly and children have no one to take care of, then the nanny industry, child care institutions, nursing institutions will certainly have a corresponding increase; middle-aged and elderly workers due to the impact of occupational disease, health care, health care industry will certainly be followed into the rapid development stage. At the same time, the "square dance" era may face the end of the "sunset" travel industry will also shrink.
7, delayed retirement pension can get how much?
China's provisions of social insurance contributions for 15 years, after retirement, can be in accordance with the provisions of the basic pension. China is currently carrying out social insurance mainly includes pension insurance, unemployment insurance, medical insurance, industrial injury insurance, maternity insurance five:
Then the focus comes, the thing that we are most concerned about is the delayed retirement, how much pension can be received each month. Here, there is a professional HR for you to calculate in detail.
Suppose, our salary has always been 8000 yuan / month, we started to pay from the age of 25 years old until the age of 65 years old retirement, **** paid 40 years. We calculate the pension based on an average salary of 7086 for the previous year.
① Let's start by calculating how much it cost us to pay for pension insurance for 40 years a ****?
Individual contribution amount = 8000 8% 12 months 40 years = 307,200 yuan
Company contribution amount = 8000 20% 12 months 40 years = 768,000 yuan
Total contribution amount = 307,200 + 768,000 = 107,200 yuan
② The amount we receive each month after retirement = basic pension + personal account pension
Basic pension = (the province's average monthly salary of the previous year's on-the-job positions + my indexed average monthly contribution salary) 2 years of contributions 1% = (7086 + 8000) 2 40 years 1% = 3017.2 yuan
Personal account pension = personal account storage amount Personal account pension Individual Account Pension = Individual Account Storage Individual Account Pension Months = 307200 101 = 3041.58 Yuan
Total Monthly Retirement Amount = 3017.2 + 3041.58 = 6058.78 Yuan
③ Medical Insurance
The state transfers 2% of the individual's health insurance account to the individual each month, and 10% of the company's contribution is put into the medical co-ordination account. Pay for 25 years and enjoy lifelong medical insurance.
Return of personal contribution = (8000 2%+3) 12 months 40 years = 78,240 yuan
④If the enterprise for the workers to pay the housing fund, this part of the money can also be taken out of the retirement, including personal contribution and the company's part of the contribution. If you haven't taken it out in the middle of the day, then the amount you can receive as a lump sum after retirement = 8,000 (12% for individuals + 12% for the company) 12 months 40 years = $921,600
So, if you retire at age 65, and you've been contributing to the five insurance premiums for 40 consecutive years, the amount of pension that you'll be able to receive each month after retirement will be around $6,058
This account, do you understand?