For example, the payment base is 4,000 yuan, the payment index is 0.6, the average salary of on-the-job employees is 6,667 yuan, and the payment is at the lowest level for 15 years. Male, retirement benefits at the age of 60: Basic pension: (6667 6667* payment index 0.6)

÷2*payment period 15*1%=800 yuan Personal account pension: 4000*8%*12*payment period 15/number of payment months 139=415 yuan. Then it can be calculated that the pension is about 800 per month 415=1215

Yuan Considering that personal account pensions have interest and the annual payment base increases slightly, theoretically the actual pension will be slightly higher than 1,215 yuan.

Social Insurance refers to a social and economic system that provides income or compensation for people who have lost the ability to work, temporarily lost their jobs, or suffered losses due to health reasons.

The main items of social insurance include pension insurance, medical insurance, unemployment insurance, work-related injury insurance, and maternity insurance.

The social insurance plan is organized by the government and forces a certain group of people to use part of their income as social insurance taxes (fees) to form a social insurance fund. When certain conditions are met, the insured can obtain fixed income or loss compensation from the fund.

, it is a redistribution system whose goal is to ensure the reproduction of material and labor force and social stability.

In China, social insurance is an important part of the social security system and plays a core role in the entire social security system.

In addition, social insurance is a kind of contributory social security. The funds are mainly paid by the employer and the worker himself, and the government finance provides subsidies and assumes the final responsibility.

However, workers can only enjoy corresponding social insurance benefits if they fulfill their legal payment obligations and meet legal conditions.

Characteristics 1: The objective basis of social insurance is the risks existing in the labor field, and the subject of insurance is the worker's person; Characteristic 2: The subject of social insurance is specific.

Including workers (including their relatives) and employers; Characteristic 3: Social insurance is compulsory insurance; Characteristic 4: The purpose of social insurance is to maintain the reproduction of the labor force; Characteristic 5: The insurance fund comes from the contributions of employers and workers and

financial support.

The scope of insurance coverage is limited to employees and does not include other members of society.

The scope of insurance is limited to various risks in labor risks, and does not include other property, economic and other risks.

Function 1.

Function of stabilizing social life 2.

The function of redistribution 3.

The function of promoting social and economic development: first, the social insurance system functions as an important tool for demand management, thereby playing a positive role in the economy; second, the effective use of social insurance funds can promote sustained economic prosperity; third

It is social security that has become the basic condition for enterprises to recruit talents.

In reality, the more developed a region is, the more employees pay attention to social security.

Especially in first-tier cities, social security has become an important criterion for finding a job because it is linked to the qualifications for buying a house and a car.