If an individual participates in the old-age insurance, it should be implemented according to the method of freelancers participating in social insurance. Freelancers can only participate in the old-age insurance and medical insurance. The payment of the old-age insurance and medical insurance has specific provisions: old-age insurance: bring my ID card, unemployment certificate and two 1-inch photos to the business window of the local social security center. Medical insurance: after completing the formalities of endowment insurance, take the above materials and the well-run endowment insurance manual to the business window of the local medical insurance center. Just pay the fee normally according to the regulations! ! Freelancers, urban individual industrial and commercial households and flexible employees participate in the basic old-age insurance. The payment base is the average salary of local employees in the previous year, and the payment ratio is 2%, of which 8% is credited to personal accounts. After retirement, the basic pension is calculated and paid according to the basic pension plan for enterprise employees. In terms of medical insurance, freelancers and self-employed people can choose to build a unified fund instead of a personal account, and pay the basic medical insurance premium at 4.2% of the local average monthly salary in the previous year. You can also choose to pay 8% of the local average monthly salary in the previous year and set up a personal account! Employees participating in medical insurance are 6% for the unit and 2% for the individual; At present, individuals can only apply for pension and medical insurance.

2. The specific monthly payment amount depends on the local average social wage, and it is clear to calculate according to the above ratio.

3. The payment period includes the deemed payment period, and the payment period of 15 years is the basis for retirement and monthly pension benefits; It seems that your understanding of the problem of social endowment insurance payment for 15 years is not comprehensive! ! Although the old-age insurance has 15 years, you can enjoy the monthly pension benefits after retirement, but the retirement procedures are still in accordance with the provisions of Guo Fa (1978) No.14 document, that is, the retirement age is generally 6 years for men and 5 years for women workers, and five years in advance for special types of work. The understanding of the situation of "pension insurance payment for 15 years": "pension insurance payment for 15 years" is one of the necessary conditions for retirement and enjoying the monthly pension benefits. The level of pension is directly linked to the payment period and the payment amount, that is, the longer the payment time and the more the payment amount, the higher the pension level. The difference mainly lies in the pension part of individual account, and the time of interruption of payment is not counted as the payment period. For example, let's make a comparison: suppose that the monthly payment base is 1 yuan (regardless of the adjustment of payment base and interest), and the monthly personal account pension calculated with the payment period of 3 years is [1 yuan× 11 %× 12 (month )× 3 (year) ]÷12=33 yuan. If the payment period is 15 years, the calculated personal account pension is 165 yuan per month. The difference between the two is half, and if interest and other factors are considered, the difference is even greater.

4. If you know the current pension insurance policy, you will get a general idea of the future treatment. If you look at the latest pension insurance policy, it will be clearer: the State Council issued < < The State Council's decision on improving the basic old-age insurance system for enterprise employees > > The document (Guo Fa [25] No.38) stipulates that employees of various enterprises, individual industrial and commercial households and flexible employees in cities and towns should participate in the basic old-age insurance for enterprise employees. The payment base for urban individual industrial and commercial households and flexible employees to participate in the basic old-age insurance is the average salary of local employees in the previous year, and the payment ratio is 2%, of which 8% is credited to personal accounts. After retirement, the basic pension is calculated and paid according to the basic pension plan for enterprise employees. Reform the method of calculating and distributing basic pensions. In order to link up with the real personal account, from January 1, 26, the scale of the personal account was adjusted from 11% of the salary paid by me to 8%, all of which were formed by individual contributions, and the unit contributions were no longer included in the personal account. At the same time, further improve the incentive and restraint mechanism to encourage employees to participate in insurance payment, and adjust the basic pension calculation and payment methods accordingly.

After the implementation of the Decision of the State Council on Establishing a Unified Basic Old-age Insurance System for Enterprise Employees (Guo Fa [1997] No.26), those who have worked and paid for 15 years (including deemed payment years, the same below) will be paid a basic pension on a monthly basis after retirement. The basic pension consists of basic pension and personal account pension. The monthly standard of basic pension at retirement is based on the average monthly salary of local employees in the previous year and the average monthly salary of my indexation, and the payment is issued to 1% every full year. The monthly standard of personal account pension is the amount of personal account storage divided by the number of months, which is determined according to the average life expectancy of urban population when employees retire, their retirement age, interest and other factors.

those who took part in the work before the implementation of document No.26 [1997] of Guo Fa, and retired after the implementation of this decision, and whose payment period has accumulated over 15 years, will be given transitional pensions on the basis of basic pensions and personal account pensions. The people's governments of all provinces, autonomous regions and municipalities directly under the Central Government shall, in accordance with the principle of reasonable convergence of treatment levels and smooth transition of old and new policies, formulate specific transition measures on the basis of careful calculation and report them to the Ministry of Labor and Social Security and the Ministry of Finance for the record.

No basic pension will be paid to those who have reached retirement age after the implementation of this decision but have paid less than 15 years; Personal account storage amount is paid to me in one lump sum, and the basic old-age insurance relationship is terminated.

This is the latest provision for calculating pension benefits at present.

Further reading: How to buy insurance, which is better, and teach you how to avoid these "pits" of insurance.