On January 4, the State Council issued the "Decision on the Reform of the Pension Insurance System for Staff of Government Institutions and Public Institutions", deciding to reform the pension insurance system for staff of government agencies and public institutions from October 1, 2014; at the same time, it was decided to uniformly improve the pension insurance system for employees of government agencies and public institutions across the country.

The minimum standard of basic pension for residents’ basic pension insurance has once again raised the basic pension standard for corporate retirees across the country.

The basic pension insurance premiums for staff in government agencies and institutions shall be borne jointly by individuals in the units. The payment method and calculation of treatment standards are similar to the enterprise pension insurance methods. The staff will delineate the "elderly" and "middle-aged people" according to the implementation time of the method.

" and "newcomers" implement different insurance participation methods, and because insured personnel can enjoy occupational annuities after retirement, the treatment standards are higher than those of corporate retirees.

1. Is there any difference between the amount paid by employees of government agencies and institutions and that paid by enterprises?

The payment method and benefit calculation are roughly the same as those for enterprise insurance. "The payment method, payment ratio, and calculation of the minimum basic pension are all basically the same as the current enterprise employee pension insurance methods." After reading the work of government agencies and institutions issued by the State Council

After the personnel pension insurance measures were introduced, the person in charge of a social insurance agency in Nanjing told reporters that first of all, in terms of payment methods, it is the same as the situation of enterprise pension insurance participation. The basic pension insurance premiums are borne jointly by the individual and the unit.

, the individual contribution ratio is 8% of the individual’s salary, and the unit contribution ratio is 20% of the unit’s total salary.

A basic pension insurance personal account is established based on the amount of 8% of the salary paid by the individual, all of which is formed by personal contributions.

In the future, when the insured persons reach retirement age, how will the pension benefits be calculated?

Basic pension consists of basic pension and personal account pension.

The monthly basic pension standard at the time of retirement is based on the average monthly salary of local employees in the previous year and the average indexed monthly contribution salary of the employee, and 1% will be paid for every full year of payment.

The monthly pension standard for a personal account is the amount saved in the personal account divided by the number of payment months. The number of payment months is determined based on the average life expectancy of the urban population at the time of retirement, the individual's retirement age, interest and other factors. For example, when retiring at the age of 60, the monthly payment standard is

The number is 139, which are the same as the corporate pension insurance methods.

Take a staff member of a government agency as an example. Every year, the pension insurance payment base is based on the average monthly salary of employees in the previous year. The average of his indexed average monthly payment salary is 1.

From now on to retirement, the payment period is 35 years, that is, the calculation ratio of the basic pension is 35%. Assuming that the average monthly salary of an employee in the year before retirement is 8,000 yuan, then his basic pension is 8,000 yuan × 35

%=2800 yuan.

If he retires at the age of 60 and has 69,500 yuan in his personal account, divide it by 139 to get the personal account pension, which is 500 yuan.

The basic pension plus the personal account pension, 2,800 yuan + 500 yuan = 3,300 yuan, is the basic pension he will receive after retirement.

2. Are the two treated the same?

In addition, the benefits of occupational annuities are higher than those of enterprise insurance. From the calculation method of basic pensions, there is not much difference between employees of government agencies and public institutions and corporate retirees. So are the benefits of the two the same?

The person in charge said that in terms of post-retirement benefits, staff in government agencies and institutions also receive additional subsidies, namely occupational annuities.

There are indeed provisions on occupational annuities in the pension insurance measures for staff of government agencies and public institutions issued by the State Council, that is, "government agencies and public institutions, on the basis of participating in basic pension insurance, shall establish occupational annuities for their staff. The unit shall be based on the total salary of the unit.

8% contribution, and individuals pay 4% of their own salary. After retirement, the staff will receive occupational annuity benefits on a monthly basis. The specific measures for occupational annuity are formulated by the Ministry of Human Resources and Social Security and the Ministry of Finance.

Many units are paying, and it is also an important source of retirement income." Because corporate pension insurance does not have mandatory regulations on occupational annuities, most units do not take the initiative to pay this part of the money for their employees, so they will naturally not be able to enjoy this part after retirement.

Additional income. After the employees of government agencies and institutions retire, in addition to receiving basic pensions, they also receive part of the enterprise annuity income. The overall treatment standard is higher than that of enterprise insurance. Take the previous example, if this agency

If a worker in a public institution has an occupational annuity of 500 yuan, his final retirement salary will be 3,800 yuan, which is a lot more income than an enterprise retiree who pays the same amount as him.

3. Will it be “one size fits all”?

The "Old Methods for the Elderly", "Methods for the Middle-aged" and "New Measures for Newcomers" are aimed at staff of government agencies and institutions with different working years. The insured personnel issued by the State Council also treat them differently. According to the official implementation time of the method, the staff will be divided into

Different insurance participation methods and treatment standards are implemented for the "elderly", "middle-aged" and "newcomers".

"Elderly people" refers to those who have retired before the implementation of the pension insurance measures for staff in government agencies and institutions. Basic pensions will continue to be paid in accordance with the original treatment standards stipulated by the state, and the basic pension adjustment measures will be implemented at the same time.

Retired personnel from government agencies and institutions will still be paid retirement benefits in accordance with unified national regulations, and relevant benefits will be adjusted.