First of all, teachers' retirement salary is mainly composed of basic pension and personal account pension. The basic pension is determined according to the salary base when teachers retire, the payment period and the unified pension adjustment mechanism of the state. Personal account pension is calculated according to the accumulated amount of endowment insurance premiums paid by teachers during their service and their investment income.
When calculating teachers' retirement salary, teachers' professional titles, working years, salary levels and other factors will be considered. Different professional titles and working years correspond to different salary grades and payment ratios, thus affecting the calculation results of retirement wages. At the same time, the state will adjust pensions in a timely manner according to factors such as economic development and price changes to ensure the basic livelihood of retirees.
It is worth noting that in 2024, as a transitional period for the reform of the endowment insurance system in government agencies and institutions, the calculation of teachers' retirement salary may be affected by some special policies. For example, a more flexible pension adjustment mechanism can be implemented, or the payment period and payment ratio can be specified in more detail. Therefore, when calculating teachers' retirement salary, we need to refer to the latest policies and regulations at that time.
In addition, teachers can improve their wages by participating in various trainings before retirement, thus indirectly increasing their pension benefits after retirement. At the same time, teachers can also increase their old-age security by participating in supplementary old-age insurance.
To sum up:
The calculation of teachers' retirement salary is a complicated and meticulous process, which is influenced by many factors. In 2024, teachers' retirement wages will continue to be calculated according to relevant national laws, regulations and policies, and will also be affected by some special policies. Therefore, teachers need to fully understand the relevant policies and regulations before retirement and plan their own old-age security reasonably.
Legal basis:
People's Republic of China (PRC) Teacher Law
Article 30 provides that:
After retirement or resignation, teachers shall enjoy the retirement or resignation treatment stipulated by the state. Local people's governments at or above the county level may appropriately increase the pension ratio of retired primary and secondary school teachers who have been engaged in education and teaching for a long time.
People's Republic of China (PRC) social insurance law
Article 15 stipulates:
The basic pension consists of overall pension and individual account pension. The basic pension is determined according to factors such as individual cumulative payment years, payment wages, average salary of local employees, personal account amount, average life expectancy of urban population, etc.
The State Council's decision on the reform of endowment insurance system for staff in government agencies and institutions
(Guo Fa [2065438+05] No.2) stipulates that:
The basic old-age insurance premium is shared by units and individuals. The proportion of the unit paying the basic old-age insurance premium (hereinafter referred to as the unit payment) is 20% of the total salary of the unit, and the proportion of the individual paying the basic old-age insurance premium (hereinafter referred to as the individual payment) is 8% of the salary paid by himself, which is withheld and remitted by the unit. Establish a personal account for basic old-age insurance according to the amount of 8% of my salary, all of which are formed by individual contributions. The part where the individual salary exceeds 300% of the average salary of local employees in the previous year is not included in the base of individual contribution salary; If it is lower than 60% of the average salary of local employees in the previous year, the base of individual payment salary shall be calculated according to 60% of the average salary of local employees.