There are also many insured people who find that the social security base and time paid by others are the same, but some insured people can receive a lot more pensions than themselves. Even some retirees' pension gap exceeds 1000 yuan. Pay the same social security before retirement, and the pension gap after retirement is very large. Why?
First, the work unit is different.
Take civil servants and ordinary employees of a company as an example. Generally speaking, the social security contributions of civil servants and ordinary employees of companies are very different.
The salary of civil servants during their service can't be as high as that of most employees in the company, ranging from two to three thousand to three or four thousand, but their share of social security contributions is far higher than that of employees in the company, not to mention that they still have a lot of housing security funds every month.
According to statistics, a civil servant can receive a pension of about 90% of his salary every month after retirement, while the pension of ordinary employees after retirement is only 20% of his salary.
Second, the payment areas are different.
We all know that first-tier cities like Beishangguangshen and Shenzhen have high consumption levels and wages are naturally not low. Pensions are linked to local average wages. Other things being equal, the higher the local average wage, the higher the pension.
Take Shenzhen and Yueyang as examples, assuming that the payment period and personal account amount are the same, only the local average salary is different. Substituting the calculation method of pension, after the insured retires, the monthly pension in Shenzhen can generally exceed 3,000 yuan. In Yueyang, it is difficult for a monthly pension to exceed 3,000 yuan.
Third, the payment base is different.
You should know that social security payment is graded. You can choose the lowest level of payment, and the pension you get later is the most basic living guarantee. You can also choose the highest level of payment and get more pensions in the future.
I also paid social security for 15 years. Lao Zhang chose the highest social security payment, which is about 1.200 yuan every month. Lao Liu chose the lowest level of social insurance premium, about 500 yuan every month.
When Lao Zhang and Lao Liu reach the legal age, they can receive a pension. Lao Zhang receives a monthly pension of 1.800 yuan, and Lao Liu receives a monthly pension of 800 yuan.
Now everyone knows why they paid the same social security, but the pension they got was different, right? Different occupations, different regions and different payment levels lead to different pensions we finally receive. It is indeed too one-sided to judge the pension collection simply from the payment period.