Chen Geng Social Pension Estimate

Problem Solved

This skill addresses the first step in pension consulting: client information is often scattered across chat messages, forms, and social insurance screenshots, and jumping straight to a “full retirement plan” or “insurance solution” can easily cross the boundary. It answers a narrower question: given current enrollment data, retirement city, and contribution records, roughly how much stable cash flow can social security pension provide after retirement?

It does not build a complete retirement budget, measure the full funding gap, or design commercial pension insurance products. Instead, it first establishes a clear, explainable, and scope-limited baseline for the social security pension component.

How It Works

Before calculating, the skill checks required fields, including client name, gender, current age, social insurance contribution location or planned retirement city, current monthly income, social insurance contribution base, years already contributed, planned retirement age, and personal account balance. If critical fields are missing, it outputs a minimal follow-up list instead of forcing a calculation.

The core output is organized around three scenarios:
- Pessimistic / neutral / optimistic: the optimistic case is not presented as a commitment.
- Result decomposition: basic pension, personal account pension, nominal total, and today’s purchasing power.
- Transparent process: formulas, substituted values, data sources, and scope limits are documented.
- Calculation baseline: results should preferentially follow pension_calculator.py; manual calculation is only for cross-checking. If the script is unavailable, the report must mark it as an unverified manual version.

Typical output includes data completeness, basic client information, calculation scope, three-tier results, substituted calculation steps, data sources and limitations, pending confirmations, and a client-facing explanation.

Boundaries and Caveats

It does not present estimates as official Social Security Bureau determinations, nor does it promise a specific retirement payout. When local policies or public data are involved, sources must be cited; if unavailable, the report should state that local social security and statistical authorities need to provide the latest public calibration.

If the user wants a complete retirement plan, commercial pension insurance design, or sales conversion scripts, this skill is only appropriate for completing the social security pension baseline first and then handing off to the corresponding workflow.