I started working at the age of 18 and retired at the age of 60, which is exactly 42 years of service.
If you retired in 2019, and your province is a middle-income area, judging from the result of 3200:
Your payment level over the years is basically the average of the local income. Depending on the level, the average monthly income before leaving the job should be around 5,000, and it might be around 4,000 gross when you get it.
Therefore, this pension level reaches or exceeds 70% of your pre-retirement income, which should be said to be very acceptable.
This is just speculation, please forgive me if I am wrong!
If you are in a private enterprise, the average payment index is at least 60%, and you are located in an ordinary second-tier city, that is, the average salary in the previous year was about 5,000 yuan, the deemed payment period and the actual payment period are And (the so-called length of service) is 42 years, which is this standard. The situation I said is similar to what you said. The length of service is almost 41.75 years. The average payment index is not the lowest, but it is also less than 100%. The comprehensive payment index is 0.82. The average salary in the local area last year was 5,013 yuan. The retirement plan the year before last was more than 3,700 yuan. Now the pension has been increased twice, each time to more than 170 yuan. So far, it is just over 4,000 yuan.
The questioner asked whether the salary of 3,020 yuan and 42 years of service is equivalent. It is obvious that he is not satisfied with the salary of 3,200 yuan on the job. However, for some reason, many friends insist on adding the salary of 4,000 yuan to 3,000 yuan. It’s a bit puzzling that twelve years of service and pension are linked together.
We all know that pensions are directly related to the social average wage of the previous year, payment base, and payment years, but not directly related to length of service, which is one of the main basis for grading on-the-job wages. Years of service is the key factor that affects the level of pension. It does not mean that the longer the service period, the longer the payment period. For example: if you have 42 years of service but have never paid a pension insurance premium, let alone 3,200 yuan, then you will not even pay a penny. Neither are pensions. The benefits we receive when we are on the job are called wages, and the benefits we receive after retirement are called pensions. Wages correspond to on-the-job benefits, and pensions correspond to retirement benefits. Wages and pensions are not the same concept.
For an employee with forty-two years of service, a salary of RMB 3,200 is really not much, but it is no longer practical to consider reciprocity now, because there are people with forty-two years of service. It is also the retirement age. I wonder if the employer has paid pension insurance? What is the basis for payment? What is your identity? Are there any pension insurance premiums in arrears? These should be the questions that the subject should be most concerned about.
Remember one thing: the length of service is only the main basis for the level of on-the-job salary, and the length of payment years (including deemed years) is the key factor for the amount of pension. There is a certain connection between the two, but there are essential differences.
Forty-two years of service means that he started working at the age of 18 and worked for 42 years until he retired at the age of 60. This length of service is definitely longer than that of most people in China. As for the 3,200 yuan pension, judging from the current consumption level, it only costs tens of yuan per kilogram of pork, and just tens of yuan to buy some fruit. This amount of money is definitely not enough to lead a quality life. Therefore, if we compare purely based on length of service and pension, it should not be considered equivalent.
However, the pension of 3,200 yuan is actually more than most people in our country. As of 2017, my country's per capita monthly pension is 2,874 yuan, and only 10 provinces in my country have average pensions higher than 3,200 yuan. This number should surprise many people. Nowadays, people on the Internet not only earn more than 10,000 yuan a month, but also have an annual salary of one million. However, in fact, the life of Chinese people is really not that comfortable, and the gap between the rich and the poor in reality is still relatively large. of.
Moreover, because the pensions of employees in government agencies and public institutions and those of enterprise employees have not been integrated before, the gap between the two is relatively large. The pension levels of employees in government institutions and public institutions will be higher than those of enterprise employees with the same length of service. Out a lot.
At present, there are some people who can receive pensions of more than 10,000 yuan after retirement. For middle- and high-level cadres of state-owned enterprises and department and bureau-level leaders of government agencies and institutions, this kind of income is very normal. But for most ordinary people, especially ordinary employees in enterprises, even if they have a long service life, a large number of them actually receive a pension of more than 1,000 yuan after retirement.
Because the calculation of pensions in our country is not only based on length of service, but also needs to take into account the salary paid while working. People with low paid wages will not have high pensions even if they work longer.
Do you think 42 years of service and a salary of 3,200 are equivalent? How about it?
This depends on what city you are in, what employer you were in when you were working, and how much the social security base your employer pays you.
Let me take a personal example: I happen to have 42 years of service, 37 years of service plus five years of "supporting agriculture", which happens to be 42 years. I am located in Ningbo City, Zhejiang Province. It turns out that it is the Materials Bureau system, and the retirement salary is 5,000 yuan in 2019. Others also have 42 years of service, which is more than 200 yuan higher than me. My Shanghai cousin has a lower working age than me, but his retirement salary is higher than me. , because there are regional differences.
To compare your forty-two years of service and three thousand two hundred yuan with the same people in your local area, you can go to the Social Security Bureau to check. When you are working, your employer pays the base social security payment. There is a formula to convert it. What is your retirement salary?
There is a relationship between retirement salary, monthly or annual social security payment amount, and length of service.
With the same length of service, those who pay more in social security will have higher retirement wages than those who pay less.
The key is your own social security. How much do you pay? Employees of some companies have very high monthly incomes, but they pay a fixed amount, such as the local minimum wage, to social security to reduce the company's personnel costs. Retirement wages are of course low. There are many of these companies, including state-owned enterprises. Some pay social security based on actual income, and their retirement salary is high.
I work in a special type of work in a Jiangxi state-owned enterprise with 35 years of service. I retired in 2018 and my current retirement salary is 4,269 yuan. For someone who has 35 years of service like me and retired in the same year, working on the front line of production, his retirement salary is 4,980 yuan, which is 700 yuan higher than me. Why? Because the monthly income in the production line is high, the social security payment is more than mine.
I don’t know if there is equivalence. I only know that the senior engineers, senior managers, and intermediate professional titles who retired in our company from 2014 to 2016 had about 42 years of service and their pensions were about 3,200 yuan. A bachelor's degree from Nanjing University before the Cultural Revolution also cost more than 3,000 yuan. An old engineer (passed away) had several invention patents and won the first prize of the Ministry of Science and Technology Progress Award. His patents made a certain product in China profitable for many companies. He was able to provide for his retirement when he died. The money is less than 3,100 yuan. This is related to the national distribution policy, and there is no question of reciprocity.
This question seems simple, but it is actually quite complicated!
Have you ever paid attention to the monthly social security payment amount and accumulated balance before you retired? Have you ever cared about the salary of your recently retired colleagues? In the past, some people felt that they were complacent because they paid less and could get a little more salary.
Units that do good social security work will check the amount every year in the early stage of payment. If your visa is confirmed, you can check it online in recent years. In addition, it is almost time to retire. You can also roughly know how much pension you can get by comparing your colleagues with similar personal conditions.
As the saying goes. "Eat what you eat" means to arrange your life according to your income. Because the pension is calculated based on your length of service (including the part considered as length of service), the base of payment, the local average salary of the previous year, etc. Everyone makes calculations based on this formula, so fairness is there. (I am referring to the same kind of people here, not comparing with people in public institutions) You can often see comparisons here discussing whether pensions are high or low. To be honest, if I want to find something unpleasant, I often come out to compare. In the end, I still feel unbalanced and unhappy. Looking at the height of this mountain, I can neither change it nor do anything about it.
Adjust your mentality and live your life well.
You have to look at some relevant data.
The first is your region. Whether you are in a first-tier big city or a third- or fourth-tier small city, the regional average salary determines the level of your pension.
The second is whether your unit is a central enterprise, a local enterprise or a private enterprise. The nature of the unit determines the level of your salary while on the job, and also determines the amount of pension you pay.
The third is whether you will work in the company until you officially retire, or whether you will be laid off.
Fourth, whether your employer or individual pays a high-end pension or a low-end pension, there is nothing you can do if you pay even less.