退休养老金简明解析
〖政策依据〗
领取退休养老金时间规定
根据国发[78]104号文件规定：1.在单位参保，并且从单位办理退休的：男性，工人和干部的退休时间是相同的，都是60岁退休；女干部，退休年龄是55岁，工人是50岁。2.在个体窗口办理退休的：男性是60岁退休；女性进入个人窗口参保缴费超过3年的，一律按工人办理退休手续和待遇，50岁退休。没有超过3年达到退休年龄的，干部55岁退休，工人50岁退休。3.从来没有工作单位的自由职业者，直接进入个人窗口参保并且退休的：男性60岁退休；女性55岁退休。
关于提前退休
一、国有企业和事业单位人员因病提前退休。根据国发[1978]104号等有关文件规定，企业职工同时符合以下3个条件，可以申报办理病退：
1.参加企业职工基本养老保险累计缴费年限满15年；
2.男满55周岁，女满45周岁；
3.劳动能力鉴定委员会鉴定为1-4级完全丧失劳动能力。
二、特种工提前退休。从事特殊工种工作年限须满一定年限，其中，从事特繁重体力劳动累计10年；从事井下、高温工作累计满9年；从事有毒有害环境中工作累计满8年。
三、公务员。国家公务员自愿退休的条件是：符合下列条件之一的，本人提出要求，经任免机关批准，可以提前退休。
1.男年满55周岁，女年满50周岁，且工作年限满20年的；
2.工作年限满30年的。
公务员确立自愿退休方式，也是国家公务员退休制度的一个新特点。这样可以使部分服务年限较长，而又未到法定退休年龄的国家公务员根据自己的意愿办理提前退休。
关于延迟退休
“十四五”规划提出的四大原则或是贯穿改革的主基调，分别为小步调整、分类推进、弹性实施、统筹兼顾。我们预计，改革可能分为两步：第一步，预计2025年取消区分女干部和女工人退休年龄，统一并轨按照55岁执行；第二步，预计男/女退休年龄分别按照每年延迟2~4个月速度渐进式推进，到2055年前后实现男女65岁同龄退休。根据人社部上述方案将实行“渐进式”延迟退休，预计2025年正式实施延迟退休方案，70后80后影响较大，对90后来说，到退休时已经完全赶上退休新政了。
基础养老金=所在地区上年社会月平均工资×(1+本人实际平均缴费指数)÷2×缴费年限×1%
本人实际平均指数=（A1/B1+A2/B2+···+An/Bn）/n
A1为第一年缴费基数，A2为第二年缴费基数，以此类推，An为退休当年缴费基数；B1为第一年的上年度全省职工月平均工资，B2为第二年的上年度全省职工月平均工资，以此类推，Bn为退休上年度全省职工月平均工资；n为实际缴费年限。
过渡性养老金=养老金计发基数×个人平均缴费指数×视同缴费年限×过渡性养老金计发系数（各地过渡性养老金计算方式略有差异，过渡性系数是1%~1.4%之间）
依据云政发[2006]139号文件规定，个人平均缴费指数的缴费年限包括建立个人帐户前后的工作年限扣除断缴年限，过渡性养老金计算年限是建立个人账户前的视同缴费年限，也就是1995年9月30日前国家和省认可的连续工龄视同缴费年限，过渡性系数1.3%。
月过渡性养老金：达到法定退休年龄 (含从事特殊工种提前退休)本人指数化月平均缴费工资×建立个人帐户前的视同缴费年限×1.3%
其中，指数化月平均工资＝〔(1×视同缴费年限＋建立个人账户第一年本人月缴费工资/建立个人账户上年度全省在网职工月平均工资＋建立个人账户第二年本人月缴费工资/建立个人账户第一年全省在岗职工月平均工资＋退休当年本人月缴费工资/退休上年度全省在岗职工月平均工资）÷累计缴费年限〕×养老金计发基数。
从公式中可以看出，视同缴费年限期间的本人缴费指数按照1进行计算。
个人账户养老金=个人账户储存额÷计发月数(50岁为195、55岁为170、60岁为139、65岁为101)
补充养老保险
已建立企业年金帐户且无断缴的企业退休人员还有一笔企业年金可领，机关事业单位2014年10月后退休的人员，也通常还有一笔职业年金。
独生子女奖励金
退休时有独生子女证的企业职工按上年该地区平均养老金的5%计发；退休时有独生子女证的政府机关事业单位编制内人员按其退休上月基本工资的5%计发。
某国企职工退休养老津补贴
1、统筹外补贴（含工龄工资、医药费）：指原公司2003年7月工资改革前发放的工龄工资+原公司医保中心2002年成立前发放的医药费。
工龄工资按原公司的工龄计算： （公式1）工龄工资（工龄≥25）=（退休年份-参工年份+1)×2.4+20（医疗补助基数，若行政职务为副处以上（含副处）按30元计发）+（2002-参工年份+1）； （公式2） 工龄工资（工龄＜25）=（退休年份-参工年份+1)×2+20（医疗费补助）+（2002-参工年份+1）（2002年为医保中心成立时间）。
2、统筹外补贴（原水电煤补贴）：均为48元/月；
3、统筹外补贴：调外补贴指原书报洗理费12元/月，若行政职务为副处以上（含副处）按13元计发，其他人员一律按12元计发。
4、回族补贴：8元/月。
〖退休养老金发放要求〗
国务院要求退休人员的养老金实现省统筹，并且要按时足额发放，不能拖欠。从2022年起，算是正常发放，每月都在当月的15号前直接发到社保卡上。
〖计算办法〗
坐标：云南省昆明市，男，1962年10月出生，1981年9月工作， 2022年10月退休，有独子证。截止2022年10月累计缴费41.16年，其中包括实际缴费27.08年，视同缴费年限14.08年，实际平均缴费指数1.6（计算月基础养老金指数化工资），个人平均缴费指数1.394752（计算月过渡性养老金指数化工资）
基础养老金：
7767×(1+1.6)/2×41.16×1/100 =4156
过渡性养老金：
7767×1.39×14.08×1.3/100=1976.1
或
7767×[(1×14.08+1.6×27.08)÷41.16]
×14.08×1.3/100=1982.9
个人账户养老金：188139.88/139=1353.5
独生子女奖励金： 3158×5/100=157.9
企业津补贴：
1.工龄工资： (2022-1981+1)×2.4=100.8
2.医药费: (2002-1981+1)+20=42
3.水电煤贴：48
4.调外补贴：12
应领养老金合计：7846.3（元）
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