The pension insurance premium is calculated comprehensively according to the payment base, payment years, personal account balance and the average monthly income of employees in the previous year. Among these factors, the payment base and payment years account for a more important position. However, from the analysis of your working age, the maximum payment period is actually 32 years, that is, you have to work at the age of 18, and at least 3 years, that is, you have to work at the age of 2.
if the payment period is less than 3 years, the monthly pension insurance premium should reach more than 5, yuan, and the average payment index should reach more than 25%. However, as a female worker, it is impossible to reach more than 25%, which is only possible for some state-owned industries and financial institutions. However, financial institutions mainly include practitioners of financial institutions, commercial insurance and securities funds. Most women need to be 55 years old to go through retirement procedures.
in addition to the deposit base and payment period, the factor determining the level of old-age insurance is the number of pensions. The number of pensions is calculated according to the current method. Basically, the average monthly income of employees in urban units in the previous year is used as the number of pensions. Compared with 219, this number of pensions has not been greatly improved.
The reason is that in the past, the amount of pension service payments was calculated according to the average wages of non-unit employees in urban areas. Nowadays, the average monthly income of employees in urban units includes non-private units and private units, and it has become the average income of our province from the previous average income of municipalities directly under the Central Government, which is also the main reason why the growth rate is not large.
According to the current amount of pension service payments in many areas, most of them are below 8, yuan. Let's take 8, yuan as the calculation, and see how this female worker gets more than 5, yuan of pension insurance every month.
The amount of payment is 8, yuan per month, the payment period is 32 years, and the legal retirement age is 5 years. The payment index and the fund balance of personal account can only be reasonably inferred, which is without any database. Payment for 32 years shall be treated as payment according to the length of time before the personal account is created, and the payment period shall be deemed as 6 years, and the actual payment period shall be 26 years.
according to the payment index of 2%, the old-age pension is 8, yuan plus 8, yuan multiplied by 2 divided by 2, and the average value of the two is 12, yuan per month. The old-age pension is calculated according to 1%. The amount of old-age insurance for each year of payment is 12 yuan, and the monthly old-age pension is 3,84 yuan.