Legal subjectivity: The calculation formula of pension is: 1. Pension = basic pension + personal account pension 2. Personal pension = basic pension + personal account pension = basic pension + personal account savings ÷ 139 (1

) Personal account pension = personal account savings ÷ number of months of payment (the number of months of payment is determined based on the retirement age and the average life span of the population at that time. The number of months of payment is slightly equal to (average life span of the population - retirement age) x 12. Currently 50

The age of 55 is 195, the age of 55 is 170, and the age of 60 is 139. It is no longer uniformly 120.) (2) Basic pension = (average monthly salary of employees in the province in the previous year + my indexed average monthly contribution salary) ÷ 2 ×

Years of payment × 1% = average monthly salary of employees on the job in the province in the previous year (1 + average payment index of the individual) ÷ ??2 × number of years of payment × 1%. In the formula: average monthly indexed salary of the employee in the province = average monthly salary of employees on the job in the province in the previous year

Salary

The average of the ratio over the years.

The low limit is 0.6 and the high limit is 3.

Therefore, in the two calculations of pensions, no matter what the situation, the higher the contribution base and the longer the payment period, the higher the pension will be.

The receipt of pensions is stipulated indefinitely. As long as the recipient survives, he can enjoy the benefits of receiving pensions on a monthly basis. Even if the personal account pension has been used up, the basic pension will continue to be calculated and paid according to the original standard. Moreover, individuals

Pensions will also increase year by year based on the increase in the average monthly wages of employees in the society.

Therefore, the longer you live, the more you can receive, which is definitely more cost-effective compared to paying fees.

For example: According to the above formula, assuming that when a male employee retires at the age of 60, the average monthly salary of employees in the province last year was 4,000 yuan.

When the cumulative payment period is 15 years: When the average individual payment base is 0.6, the basic pension = (4,000 yuan + 4,000 yuan × 0.6) ÷ 2 × 15 × 1% = 480 yuan. When the individual average payment base is 1.0, the basic pension

= (4,000 yuan + 4,000 yuan × 1.0) ÷ 2 × 15 × 1% = 600 yuan. When the average individual payment base is 3.0, the basic pension = (4,000 yuan + 4,000 yuan × 3.0) ÷ 2 × 15 × 1% = 1,200

When the cumulative payment period is 40 years: when the average individual payment base is 0.6, the basic pension = (4,000 yuan + 4,000 yuan × 0.6) ÷ 2 × 40 × 1% = 1,280 yuan. When the individual average payment base is 1.0, the basic pension

Pension = (4,000 yuan + 4,000 yuan × 1.0) ÷ 2 × 40 × 1% = 1,600 yuan. When the average individual payment base is 3.0, basic pension = (4,000 yuan + 4,000 yuan × 3.0) ÷ 2 × 40 × 1% =

The average payment index of 3,200 yuan means that you paid based on 1,000 last year. If the average salary in society is 2,000, your index for that year is 0.5. It is easy to calculate the average every year. You can then calculate the pension pension yourself.

Legal objectivity: Article 12 of the "Full Text of the Social Insurance Law of the People's Republic of China" The employer shall pay basic pension insurance premiums in accordance with the proportion of the total wages of its employees stipulated by the state, and record them into the basic pension insurance overall fund.

Employees should pay basic pension insurance premiums in accordance with the proportion of their wages stipulated by the state and record them into their personal accounts.

Individual industrial and commercial households without employees, part-time employees who have not participated in basic pension insurance in the employer, and other flexible employment personnel who participate in basic pension insurance shall pay basic pension insurance premiums in accordance with national regulations and record them separately in the basic pension insurance pooling fund

and personal accounts.