1, basic pension = the average monthly salary of local employees in the previous year when I retire × 20%;
2, personal account pension = my account deposit120.
The monthly pension varies from person to person and from place to place. Pension insurance can receive basic pension every month after retirement = the average monthly salary of local employees in the previous year when I retire ×20%, and personal account pension = deposit in my account ÷ 120. According to relevant national policies, the insured of old-age insurance must reach retirement age and pay social security 15 years or more before they can receive basic old-age insurance on a monthly basis.
According to relevant national policies, the insured of old-age insurance must reach retirement age and pay social security 15 years or more before they can receive basic old-age insurance on a monthly basis.
If there is a unit that has paid 15 years, but the employees have not retired, the enterprise will continue to pay until retirement; Individuals who pay social security can stop paying or continue to pay. According to the local policy, they will definitely continue to pay high salaries. Endowment insurance follows the principle of "pay more and get more". The higher the payment base, the longer the service period, and the more pensions you receive when you retire. Once the payment is stopped, it will directly affect the pension benefits after retirement.
If you keep paying social security, how to calculate the pension?
When the cumulative payment period is 15 years, if you retire at the age of 65, you can still receive a pension of about 20 years (provided that you live to 85 years old). Based on this calculation, the length of time you can receive a pension is 20× 12 months =240 months.
Suppose that after 2007, someone's average annual salary is 50,000 yuan, and that person's annual salary is 4,000 yuan, 15 years and 60,000 yuan.
Personal account pension = personal account storage amount ÷ calculation months (50 years old 195 months, 55 years old 170 months, 60 years old 139 months, 60 years old or older 120 months), so-and-so retires at the age of 60, and Na Yue receives 6000.
Old-age insurance, the full name of social basic old-age insurance, is a social insurance system established by the state and society in accordance with certain laws and regulations to solve the basic life of workers who reach the working age limit stipulated by the state and terminate their labor obligations or quit their jobs because of old age.
Endowment insurance is an important guarantee of social welfare, so I need to pay more attention to the legal constraints, so as to better safeguard my own interests, but the solution of the problem will be controversial, so I need to pay more attention to specific operations, reduce my own mistakes, and ensure that my own interests will not be infringed on the basis of relevant links.
legal ground
According to Article 15 of People's Republic of China (PRC) Social Insurance Law, 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.
Sixteenth individuals who participate in the basic old-age insurance will receive the basic old-age pension on a monthly basis if they have accumulated contributions for fifteen years when they reach the statutory retirement age.
Individuals who participate in the basic old-age insurance and pay less than fifteen years when they reach the statutory retirement age can pay for fifteen years and receive the basic pension on a monthly basis; Can also be transferred to the new rural social endowment insurance or urban residents' social endowment insurance, enjoy the corresponding pension insurance benefits in accordance with the provisions of the State Council.
Seventeenth individuals who participate in the basic old-age insurance, due to illness or non-work-related death, their survivors can receive funeral grants and pensions; Persons who have completely lost their ability to work due to illness or non-work-related disability before reaching the statutory retirement age can receive disability allowance. The required funds are paid from the basic old-age insurance fund.
Article 18 The state establishes a normal adjustment mechanism for basic pensions. According to the average wage increase and price increase of employees, the basic old-age insurance treatment level will be improved in a timely manner.
Nineteenth individuals across the overall regional employment, the basic old-age insurance relationship with my transfer, the cumulative payment period. When an individual reaches the statutory retirement age, the basic pension is calculated in stages and distributed uniformly. Specific measures shall be formulated by the State Council.
Article 20 The state establishes and improves a new rural social endowment insurance system.
The new rural social endowment insurance combines individual contributions, collective subsidies and government subsidies.
Twenty-first new rural social endowment insurance benefits are composed of basic pension and personal account pension.
Rural residents who participate in the new rural social endowment insurance meet the conditions stipulated by the state and receive the benefits of the new rural social endowment insurance on a monthly basis.
On the evening of March 5th, I began to read "Sir", which was edited by Mr. CITIC Publishing House, with 2265438 words and 262 pages. This book opens a long historical scroll for us.