How much pension insurance can be received after more than 6 yuan a month depends on the situation, as follows:

1. Employee pension insurance, if the insured person should be paid by the employee pension insurance, includes three insurances: support, medical care and unemployment (individuals with birth and work-related injuries do not pay). The pension received after retirement is only related to the old-age insurance. The old-age insurance premium in 6 yuan should be fully entered into the personal account by 4 yuan, and the current payment base is about 6, yuan;

2. Pension, pension insurance for employees who are normally insured can generally get a retirement salary of about 8 yuan after 15 years of retirement. Assuming that the local social wage is also 6, yuan, it is equivalent to paying the pension insurance based on 1% of the social wage. If you only pay for 15 years and pay the social wage for gay men every year, the social wage is 8, yuan, and the pension is about 1,6 yuan.

3. Flexible employment. If you are a flexible employee, actually, 6 yuan does not fully enter your personal account, only about 4% of the expenses enter your personal account, that is to say, only about 2 yuan may enter your personal account in a month. Suppose 2 yuan is used to pay for medical insurance, 4 yuan is used to pay for old-age insurance, but only 2 yuan enters your personal account. If other conditions are the same as the previous example, your pension when you retire is about 1,4 yuan.

The cost-effective purchase method of endowment insurance is as follows:

1. From the perspective of payback time, you can choose a lower level of payment, with less investment, and the payback time will be shorter;

2. From the perspective of pension benefits, it will be better to choose a higher payment grade, and the pension insurance payment will follow the choice of paying more and getting more. The higher the payment grade, the higher the subsidy, and the better pension benefits will be obtained in the future;

3. From the perspective of personal premium expenditure, it is more appropriate to choose the payment grade that is high first and then low to participate in the insurance. The pressure of life in the early stage is small, and choosing a higher payment grade can ensure the balance of personal account. In the later period, the longer payment period is guaranteed by the lower payment grade, which can ensure that individuals can get better pension benefits.

to sum up, for flexible employees, there is no fixed unit, so there is no enterprise to help pay social security and only individuals participate in social security. If the employee pays 6 RMB per month and 7,2 RMB per year, he needs to pay 6% of the average salary of local employees last year. If he retires at the age of 6 after paying pension service insurance for 15 years, the monthly pension insurance will be about 1,1 RMB.

Legal basis:

Article 64 of the Social Insurance Law of the People's Republic of China

Social insurance funds include basic old-age insurance funds, basic medical insurance funds, industrial injury insurance funds, unemployment insurance funds and maternity insurance funds. In addition to the basic medical insurance fund and maternity insurance fund combined to establish accounts and accounting, other social insurance funds are established separately according to social insurance types and accounted for separately. Social insurance funds implement a unified national accounting system.

Social insurance funds are earmarked for special purposes, and no organization or individual may occupy or misappropriate them.

the basic old-age insurance fund will be gradually co-ordinated nationwide, and other social insurance funds will be gradually co-ordinated at the provincial level. The specific time and steps will be stipulated by the State Council.