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別再用「勞保年金提早5年領將少領20%!」騙人
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中華雲
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中華雲

看到這樣的標題——勞保年金提早5年領「將少領20%」!

https://tw.stock.yahoo.com/news/%E5%8B%9E%E4%BF%9D%E5%B9%B4%E9%87%91%E6%8F%90%E6%97%A9-5-%E5%B9%B4%E9%A0%98%E3%80%8C%E5%B0%87%E5%B0%91%E9%A0%98-20-%E3%80%8D%EF%BC%81-5-%E5%A4%A7%E5%B8%B8%E8%A6%8B%E5%95%8F%E9%A1%8C%E5%8B%9E%E5%8B%95%E9%83%A8%E4%BE%86%E8%A7%A3%E7%AD%94-063035434.html

如果騙你會不會生氣?

騙你下半生,會不會生氣?

法令只跟你講一半,事實上「單月可能少20%,實務上卻是多領五年六十期」

一來一回,基本上算沒差,因為那是透過精算估出來的,以下我用80、100、120模擬一下,大家就會明白了……

倘若你60歲即退,少領20%(=80),但多領5年,正常65歲退休者,領100,追趕提早退者,要追到85歲才超車,而延後領的要追到90歲才能超車。

所以,有少領20%嗎?這還不計息!還有勞保虧空來不及補的干擾因素,其中真正的關鍵是你能活多久?以級你若能不退休而拿更多的機會有多少?

如果單看這勞保年金,我的答案則是能早不宜晚!

年齡提早單期正常單期延後單期提早累計正常累計延後累計
60/0180008000
60/02800016000
60/03800024000
60/04800032000
60/05800040000
60/06800048000
60/07800056000
60/08800064000
60/09800072000
60/10800080000
60/11800088000
60/12800096000
61/018000104000
61/028000112000
61/038000120000
61/048000128000
61/058000136000
61/068000144000
61/078000152000
61/088000160000
61/098000168000
61/108000176000
61/118000184000
61/128000192000
62/018000200000
62/028000208000
62/038000216000
62/048000224000
62/058000232000
62/068000240000
62/078000248000
62/088000256000
62/098000264000
62/108000272000
62/118000280000
62/128000288000
63/018000296000
63/028000304000
63/038000312000
63/048000320000
63/058000328000
63/068000336000
63/078000344000
63/088000352000
63/098000360000
63/108000368000
63/118000376000
63/128000384000
64/018000392000
64/028000400000
64/038000408000
64/048000416000
64/058000424000
64/068000432000
64/078000440000
64/088000448000
64/098000456000
64/108000464000
64/118000472000
64/128000480000
65/0180100048801000
65/0280100049602000
65/0380100050403000
65/0480100051204000
65/0580100052005000
65/0680100052806000
65/0780100053607000
65/0880100054408000
65/0980100055209000
65/10801000560010000
65/11801000568011000
65/12801000576012000
66/01801000584013000
66/02801000592014000
66/03801000600015000
66/04801000608016000
66/05801000616017000
66/06801000624018000
66/07801000632019000
66/08801000640020000
66/09801000648021000
66/10801000656022000
66/11801000664023000
66/12801000672024000
67/01801000680025000
67/02801000688026000
67/03801000696027000
67/04801000704028000
67/05801000712029000
67/06801000720030000
67/07801000728031000
67/08801000736032000
67/09801000744033000
67/10801000752034000
67/11801000760035000
67/12801000768036000
68/01801000776037000
68/02801000784038000
68/03801000792039000
68/04801000800040000
68/05801000808041000
68/06801000816042000
68/07801000824043000
68/08801000832044000
68/09801000840045000
68/10801000848046000
68/11801000856047000
68/12801000864048000
69/01801000872049000
69/02801000880050000
69/03801000888051000
69/04801000896052000
69/05801000904053000
69/06801000912054000
69/07801000920055000
69/08801000928056000
69/09801000936057000
69/10801000944058000
69/11801000952059000
69/12801000960060000
70/018010012096806100120
70/028010012097606200240
70/038010012098406300360
70/048010012099206400480
70/0580100120100006500600
70/0680100120100806600720
70/0780100120101606700840
70/0880100120102406800960
70/09801001201032069001080
70/10801001201040070001200
70/11801001201048071001320
70/12801001201056072001440
71/01801001201064073001560
71/02801001201072074001680
71/03801001201080075001800
71/04801001201088076001920
71/05801001201096077002040
71/06801001201104078002160
71/07801001201112079002280
71/08801001201120080002400
71/09801001201128081002520
71/10801001201136082002640
71/11801001201144083002760
71/12801001201152084002880
72/01801001201160085003000
72/02801001201168086003120
72/03801001201176087003240
72/04801001201184088003360
72/05801001201192089003480
72/06801001201200090003600
72/07801001201208091003720
72/08801001201216092003840
72/09801001201224093003960
72/10801001201232094004080
72/11801001201240095004200
72/12801001201248096004320
73/01801001201256097004440
73/02801001201264098004560
73/03801001201272099004680
73/048010012012800100004800
73/058010012012880101004920
73/068010012012960102005040
73/078010012013040103005160
73/088010012013120104005280
73/098010012013200105005400
73/108010012013280106005520
73/118010012013360107005640
73/128010012013440108005760
74/018010012013520109005880
74/028010012013600110006000
74/038010012013680111006120
74/048010012013760112006240
74/058010012013840113006360
74/068010012013920114006480
74/078010012014000115006600
74/088010012014080116006720
74/098010012014160117006840
74/108010012014240118006960
74/118010012014320119007080
74/128010012014400120007200
75/018010012014480121007320
75/028010012014560122007440
75/038010012014640123007560
75/048010012014720124007680
75/058010012014800125007800
75/068010012014880126007920
75/078010012014960127008040
75/088010012015040128008160
75/098010012015120129008280
75/108010012015200130008400
75/118010012015280131008520
75/128010012015360132008640
76/018010012015440133008760
76/028010012015520134008880
76/038010012015600135009000
76/048010012015680136009120
76/058010012015760137009240
76/068010012015840138009360
76/078010012015920139009480
76/088010012016000140009600
76/098010012016080141009720
76/108010012016160142009840
76/118010012016240143009960
76/1280100120163201440010080
77/0180100120164001450010200
77/0280100120164801460010320
77/0380100120165601470010440
77/0480100120166401480010560
77/0580100120167201490010680
77/0680100120168001500010800
77/0780100120168801510010920
77/0880100120169601520011040
77/0980100120170401530011160
77/1080100120171201540011280
77/1180100120172001550011400
77/1280100120172801560011520
78/0180100120173601570011640
78/0280100120174401580011760
78/0380100120175201590011880
78/0480100120176001600012000
78/0580100120176801610012120
78/0680100120177601620012240
78/0780100120178401630012360
78/0880100120179201640012480
78/0980100120180001650012600
78/1080100120180801660012720
78/1180100120181601670012840
78/1280100120182401680012960
79/0180100120183201690013080
79/0280100120184001700013200
79/0380100120184801710013320
79/0480100120185601720013440
79/0580100120186401730013560
79/0680100120187201740013680
79/0780100120188001750013800
79/0880100120188801760013920
79/0980100120189601770014040
79/1080100120190401780014160
79/1180100120191201790014280
79/1280100120192001800014400
80/0180100120192801810014520
80/0280100120193601820014640
80/0380100120194401830014760
80/0480100120195201840014880
80/0580100120196001850015000
80/0680100120196801860015120
80/0780100120197601870015240
80/0880100120198401880015360
80/0980100120199201890015480
80/1080100120200001900015600
80/1180100120200801910015720
80/1280100120201601920015840
81/0180100120202401930015960
81/0280100120203201940016080
81/0380100120204001950016200
81/0480100120204801960016320
81/0580100120205601970016440
81/0680100120206401980016560
81/0780100120207201990016680
81/0880100120208002000016800
81/0980100120208802010016920
81/1080100120209602020017040
81/1180100120210402030017160
81/1280100120211202040017280
82/0180100120212002050017400
82/0280100120212802060017520
82/0380100120213602070017640
82/0480100120214402080017760
82/0580100120215202090017880
82/0680100120216002100018000
82/0780100120216802110018120
82/0880100120217602120018240
82/0980100120218402130018360
82/1080100120219202140018480
82/1180100120220002150018600
82/1280100120220802160018720
83/0180100120221602170018840
83/0280100120222402180018960
83/0380100120223202190019080
83/0480100120224002200019200
83/0580100120224802210019320
83/0680100120225602220019440
83/0780100120226402230019560
83/0880100120227202240019680
83/0980100120228002250019800
83/1080100120228802260019920
83/1180100120229602270020040
83/1280100120230402280020160
84/0180100120231202290020280
84/0280100120232002300020400
84/0380100120232802310020520
84/0480100120233602320020640
84/0580100120234402330020760
84/0680100120235202340020880
84/0780100120236002350021000
84/0880100120236802360021120
84/0980100120237602370021240
84/1080100120238402380021360
84/1180100120239202390021480
84/1280100120240002400021600
85/0180100120240802410021720
85/0280100120241602420021840
85/0380100120242402430021960
85/0480100120243202440022080
85/0580100120244002450022200
85/0680100120244802460022320
85/0780100120245602470022440
85/0880100120246402480022560
85/0980100120247202490022680
85/1080100120248002500022800
85/1180100120248802510022920
85/1280100120249602520023040
86/0180100120250402530023160
86/0280100120251202540023280
86/0380100120252002550023400
86/0480100120252802560023520
86/0580100120253602570023640
86/0680100120254402580023760
86/0780100120255202590023880
86/0880100120256002600024000
86/0980100120256802610024120
86/1080100120257602620024240
86/1180100120258402630024360
86/1280100120259202640024480
87/0180100120260002650024600
87/0280100120260802660024720
87/0380100120261602670024840
87/0480100120262402680024960
87/0580100120263202690025080
87/0680100120264002700025200
87/0780100120264802710025320
87/0880100120265602720025440
87/0980100120266402730025560
87/1080100120267202740025680
87/1180100120268002750025800
87/1280100120268802760025920
88/0180100120269602770026040
88/0280100120270402780026160
88/0380100120271202790026280
88/0480100120272002800026400
88/0580100120272802810026520
88/0680100120273602820026640
88/0780100120274402830026760
88/0880100120275202840026880
88/0980100120276002850027000
88/1080100120276802860027120
88/1180100120277602870027240
88/1280100120278402880027360
89/0180100120279202890027480
89/0280100120280002900027600
89/0380100120280802910027720
89/0480100120281602920027840
89/0580100120282402930027960
89/0680100120283202940028080
89/0780100120284002950028200
89/0880100120284802960028320
89/0980100120285602970028440
89/1080100120286402980028560
89/1180100120287202990028680
89/1280100120288003000028800
90/0180100120288803010028920
90/0280100120289603020029040
90/0380100120290403030029160
90/0480100120291203040029280
90/0580100120292003050029400
90/0680100120292803060029520
90/0780100120293603070029640
90/0880100120294403080029760
90/0980100120295203090029880
90/1080100120296003100030000
90/1180100120296803110030120
90/1280100120297603120030240
91/0180100120298403130030360
91/0280100120299203140030480
91/0380100120300003150030600
91/0480100120300803160030720
91/0580100120301603170030840
91/0680100120302403180030960
91/0780100120303203190031080
91/0880100120304003200031200
91/0980100120304803210031320
91/1080100120305603220031440
91/1180100120306403230031560
91/1280100120307203240031680
92/0180100120308003250031800
92/0280100120308803260031920
92/0380100120309603270032040
92/0480100120310403280032160
92/0580100120311203290032280
92/0680100120312003300032400
92/0780100120312803310032520
92/0880100120313603320032640
92/0980100120314403330032760
92/1080100120315203340032880
92/1180100120316003350033000
92/1280100120316803360033120
93/0180100120317603370033240
93/0280100120318403380033360
93/0380100120319203390033480
93/0480100120320003400033600
93/0580100120320803410033720
93/0680100120321603420033840
93/0780100120322403430033960
93/0880100120323203440034080
93/0980100120324003450034200
93/1080100120324803460034320
93/1180100120325603470034440
93/1280100120326403480034560
94/0180100120327203490034680
94/0280100120328003500034800
94/0380100120328803510034920
94/0480100120329603520035040
94/0580100120330403530035160
94/0680100120331203540035280
94/0780100120332003550035400
94/0880100120332803560035520
94/0980100120333603570035640
94/1080100120334403580035760
94/1180100120335203590035880
94/1280100120336003600036000

即便是提早領不計息,領到95歲,也才少2400而已。落差沒很多吧!

但如果你有活百歲的實力,那自己去估算……

而上表真正多,其實是歲月,能多領一期就比較多……


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引用網址:https://city.udn.com/forum/trackback.jsp?no=64088&aid=7182267