一位退休人員收到處分書的心得 - 公職
By Rachel
at 2018-06-21T08:18
at 2018-06-21T08:18
Table of Contents
各位退休的同學,應該都收到「年金改革重新計算退休金的處分書」了,不知道大家有沒
有仔細看過內容?我第一天拿到就發現「有詐術」,下面花點版面解釋給大家聽
我們的退休金整體來說(不計較法律上精準的定義),分成4個部份
1.公保養老給付優惠存款(民國84年之前的年資)
2.月補償金,這部份比較複雜,可能當初你是一次領回(那月退休金就沒有這個項目),
可能你當初選擇按月領回(那你的月退休金就包含這項)
3.舊制退休金(民國84年之前的年資)
4.新制退休金(民國84年之後的資),也就是「退輔基金」(其實是我們自己按月扣繳的
)<=這項類似勞保、勞退
重點開始:
這次年金改革,所得替代率下降(簡單的說就是「退休金被砍」)
你知道政府怎麼砍?
1.優先砍「公保養老優存」
2.第1.項砍完,你的退休金(剩下「月補償金 + 舊制 + 新制」)如果還是高於所得替代
率,先砍月補償金
3.前二項砍完,你的退休金(剩下「舊制 + 新制」)如果還是高於所得替代率,先砍舊
制退休金
4.最後你的退休金只剩下新制退休金
同學們,你看看你的單子上,「新制」的金額是不是從頭到尾都一樣,根本沒有減少(被
砍)
政府砍掉的是「優存(政府要補貼利息)」、「月補償金(政府要補貼)」、「舊制(政
府要編預算)」
也就是說,政府砍掉的是他原本要編預算的部份(政府省下一大筆錢),但是退輔基金的
新制卻本沒有變動,也就是說退輔基金還是一樣會面臨破產
而政府當初年金改革,打著什麼口號?政府不是告訴大家「為了讓退輔基金不要破產」?
可是實際上卻不是這樣,政府只是省自己的錢,退輔基金照樣「按時破產」(你說這是不
是詐術)
趕快告訴現職的同事,不要被騙了,我們退休金被砍,但是大家的退輔基金照樣準時破產
(年金改革前和年金改革後,退輔基金的支出沒有改變),他們一樣領不到退休金!
--
有仔細看過內容?我第一天拿到就發現「有詐術」,下面花點版面解釋給大家聽
我們的退休金整體來說(不計較法律上精準的定義),分成4個部份
1.公保養老給付優惠存款(民國84年之前的年資)
2.月補償金,這部份比較複雜,可能當初你是一次領回(那月退休金就沒有這個項目),
可能你當初選擇按月領回(那你的月退休金就包含這項)
3.舊制退休金(民國84年之前的年資)
4.新制退休金(民國84年之後的資),也就是「退輔基金」(其實是我們自己按月扣繳的
)<=這項類似勞保、勞退
重點開始:
這次年金改革,所得替代率下降(簡單的說就是「退休金被砍」)
你知道政府怎麼砍?
1.優先砍「公保養老優存」
2.第1.項砍完,你的退休金(剩下「月補償金 + 舊制 + 新制」)如果還是高於所得替代
率,先砍月補償金
3.前二項砍完,你的退休金(剩下「舊制 + 新制」)如果還是高於所得替代率,先砍舊
制退休金
4.最後你的退休金只剩下新制退休金
同學們,你看看你的單子上,「新制」的金額是不是從頭到尾都一樣,根本沒有減少(被
砍)
政府砍掉的是「優存(政府要補貼利息)」、「月補償金(政府要補貼)」、「舊制(政
府要編預算)」
也就是說,政府砍掉的是他原本要編預算的部份(政府省下一大筆錢),但是退輔基金的
新制卻本沒有變動,也就是說退輔基金還是一樣會面臨破產
而政府當初年金改革,打著什麼口號?政府不是告訴大家「為了讓退輔基金不要破產」?
可是實際上卻不是這樣,政府只是省自己的錢,退輔基金照樣「按時破產」(你說這是不
是詐術)
趕快告訴現職的同事,不要被騙了,我們退休金被砍,但是大家的退輔基金照樣準時破產
(年金改革前和年金改革後,退輔基金的支出沒有改變),他們一樣領不到退休金!
--
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