If you only pay social security for 15 years, even if your salary before retirement is similar to the local average salary, you can only get 2%-3% of your on-the-job salary. For the strategy of medical insurance reimbursement, I just sorted out the relevant contents, hoping to help you: the national social security medical insurance application reimbursement process in 22!

yes, that's so little!

how is this figure worked out? We have to start with the current pension system.

How to pay social security

Social security, that is, five of the five insurances and one gold:

Old-age insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance.

among them, the first three items are part of their own contribution and part of the company's contribution.

The company bought the industrial injury and maternity insurance for you, so you don't have to pay it yourself.

In the previous table, look at the latest Shanghai social security payment ratio:

According to the salary of 5, yuan before tax, you have to pay 525 yuan per month.

and the company will pay you 1555 yuan a month, excluding the housing provident fund.

in other words, more than 7% of the money in your social security account is paid by the company.

So don't feel bad when you pay social security every month. It's the company that feels bad.

How to get the pension

The pension insurance you paid is managed by the state in two accounts.

individual account and overall account respectively.

You can't receive the pension for life after retirement until you have paid the pension insurance for 15 years.

If you are less than 15 years old, the state will refund you the 8% you paid in these years with interest when you retire.

this 8% plus interest is your personal account.

don't worry about the 2% paid by the company.

The state will throw it into the pool of pension funds.

this 2% is your overall account.

if you have paid for 15 years, or even 25 or 3 years, how much will you get?

Let's start the boring calculus, and impatient friends can look at the results directly.

pension = personal account pension+basic pension

I. personal account pension

personal account pension: the amount of personal account storage ÷ the number of months of payment

the number of months of payment is determined according to the retirement age and the average life expectancy of the population at that time.

the counting months are slightly equal to (average life expectancy-retirement age) X12.

At present, 5 years old is 195, 55 years old is 17, and 6 years old is 139.

second, basic pension

basic pension: (the average monthly salary of employees in the previous year+the average monthly salary of individual indexation at the time of retirement) ÷2× individual payment period× 1%.

Individual indexed monthly average payment wage: the average monthly salary of employees in the previous year × individual average payment wage index at the time of retirement.

individual average payment wage index: take the average value of the ratio of [individual monthly payment wage over the years] to [average monthly salary of employees in the previous year in the whole city].

give an example.

suppose Li lei and Han mei work in the same city.

their monthly salary is 5 yuan.

The average monthly salary in this city is 5 yuan.

Li Lei is rather bohemian, and his job changes intermittently. In the end, he only paid social security for 15 years.

Han Mei is honest, and her work is solid and extremely stable, and she finally paid social security for 25 years.

(For the convenience of everyone's understanding, inflation and wage increase are not considered. )

According to the above formula,

Li Lei can get 1268 yuan per month after retirement, which is 25% of the average salary of that year.

After retirement, Han Mei can get 1956 yuan per month, which is 4% of the average salary of that year.

The pension that Li Lei can get is only over 6% of that of Han Mei.

if you count the increase in wages and pensions in these years, the gap between them is even bigger!

I also did more complicated and accurate calculations.

according to the annual salary increase of 8%, 8% of the income from personal account will come.

They both started working at the age of 25 and retired after 35 years.

Li Lei has only paid for 15 years, and Han Mei has paid for 35 years.

And Li Lei's company only pays him social security according to the minimum payment standard.

Finally, it is calculated:

Li Lei can get 12,469 yuan, accounting for 18% of the average salary of that year

Han Mei can get 4,53 yuan, accounting for 59% of the average salary of that year.

Li Lei can get 3% ...

Although the above demonstration is not completely accurate, it is in the right direction.

I mainly want to remind everyone:

No matter how the policy changes, being honest will definitely not suffer.

don't think it's enough to pay 15 years to reach the minimum standard of receiving a pension.

by that time, the old man and the old lady will be so competitive that they can't even dance in the square dance.

how can I get more pension?

if you want to get more pensions, you have to start from these three angles.

personal salary

the higher the salary, the higher the final calculation base.

but there is an upper limit to this cardinal number.

Otherwise, those who earn 1, yuan a month will pay 8, yuan for their own pension and 2, yuan for the company.

You are not crazy, and the company is crazy ...

For example, the current payment limit in Shanghai is 21,396 yuan.

if the monthly salary exceeds this figure, it will be calculated according to this figure.

payment period

as long as you are on the job, social security should be kept as long as possible, and the longer you pay, the better.

the impact on the pension amount has already been said.

in addition, it will also affect the welfare after retirement.

Only after paying for 15 years, only the old-age insurance is valid for life.

after 25 years of payment, medical insurance will become a lifelong benefit.

I don't need to say more about the importance of medical insurance when I am old and have many problems.

and without health insurance after retirement, your commercial medical insurance will be discounted.

Many millions of medical treatments and hospitalizations can only be reimbursed by 6% if they do not seek medical treatment as social security.

local average wage

This is a bit tricky.

give an example.

Li Lei and Han Mei are fellow villagers in a small county.

they both earn the same monthly salary.

But Li Lei works in his hometown, and Han Mei goes to work in Beijing.

Obviously, the average wage in Beijing is much higher than that in small counties.

Finally, Han Mei retired in Beijing.

Not only can I get more money than Li Lei, but I can also enjoy the local pension benefits in Beijing.

how can I retire in a big city?

The recognition of retirement cities follows the principle of "giving priority to household registration, and following the long-term and long-term".

take me for example.

although I don't have a Shanghai hukou, I can apply for retirement in Shanghai when I work in Shanghai and have paid social security here for more than 1 years.

this is called "from the back".

if I work in Shanghai when I retire, but I haven't paid social security here for 1 years.

what should I do?

check the records up.

let's see which city I have been in for 1 years before.

when I checked the records, I found that I had paid social security for 1 years in Nanjing.

Then I can go to Nanjing for retirement.

this is called "from the long".

If I am in Shanghai when I retire, but I haven't paid social security here for 1 years.

Looking up the records, each city has not paid for 1 years. What should I do?

at this time, it is "domicile priority".

go back to your hometown to retire.

some people may not be able to pay social security for 25 years.

there are two solutions to this situation.

first, one-time payment.

but at present, policies in many regions are no longer allowed.

the second is to postpone retirement.

if you only need one year or two, there is no special reason.

simply work for another two years and fill up the 25-year card.

in addition, there will be subtle differences in social security regulations in different places.

You can call 12333 directly and consult the local social security bureau directly.

In fact, the knowledge of "five insurances and one gold" is really practical, involving all aspects of our pension, medical treatment, children's schooling and production reimbursement, but many people lack relevant understanding. Write it at the end:

Social security is really practical, but unfortunately many people don't understand it.

Bao Pinger began to study social security in 218, and wrote 2 or 3 articles about it, which won tens of thousands of praises in Zhihu.

then I found that everyone cares about the same problem.

how can I get more pensions? What is the most cost-effective way to pay social security without a job? How to transfer social security when I change my job city? How to borrow housing provident fund to buy a house? How to get money for maternity insurance and so on?

I've compiled a collection of articles on five insurances and one gold, and all these common questions can be answered clearly.

you can trust me privately if you want, and help others, just make friends.

yes, if you don't mind.