1. If an individual participates in pension insurance, it should be implemented in accordance with the method for freelancers to participate in social insurance. Freelancers can only participate in pension insurance and medical insurance. Pension insurance and medical insurance contributions , there are specific regulations: Pension insurance: Bring your ID card, unemployment certificate and two 1-inch photos to the business window of the local social security center to apply for it. Medical insurance: After completing the pension insurance procedures, go to the business window of the local medical insurance center with the above materials and the completed pension insurance manual. Just pay the fees normally according to the regulations!! The payment base for freelancers, urban self-employed individuals and flexible employment personnel to participate in basic pension insurance is the average salary of local employees on the job in the previous year, and the payment ratio is 20%, of which 8% is credited to the individual Account, after retirement, the basic pension will be calculated and paid according to the basic pension calculation method for enterprise employees. In terms of medical insurance, freelancers and self-employed individuals can choose to only establish a pooled fund instead of a personal account, and the basic pension will be calculated based on the local average monthly salary in the previous year. Pay 4.2% of the basic medical insurance premium; you can also choose to pay 8% of the local average monthly salary in the previous year and establish a personal account! For employees to participate in medical insurance, the unit bears 6% and the individual bears 2%; currently, only in the name of an individual Apply for pension and medical insurance.

2. The specific monthly payment amount depends on the local average salary. Consult the average salary and calculate it according to the above ratio;

3. The payment period includes It is regarded as the payment period. The payment period of 15 years is the basis for enjoying monthly pension benefits when you retire. It seems that your understanding of the issue of social pension insurance payment for 15 years is not comprehensive! Although the pension insurance has 15 years, after retirement, It is said that you can enjoy pension benefits on a monthly basis, but the retirement procedures are still in accordance with the provisions of Guofa (1978) No. 104 document, that is, the retirement age is generally 60 years old for men and 50 years old for female workers, and 5 years earlier for special types of work. Regarding " Understanding of the situation of "pension insurance payment for more than 15 years": "pension insurance payment for more than 15 years" is one of the necessary conditions for retirement and enjoying monthly pension benefits (those who have paid for less than 15 years will be settled in one go). The level of pension is directly linked to the payment period and payment amount. That is, the longer the payment period and the greater the payment amount, the higher the pension level. The difference mainly lies in the pension part of the personal account. The time when payment is interrupted is not counted as the payment period. Let’s take an example for comparison: assuming that the payment base is 1,000 yuan per month (without considering factors such as payment base adjustment and interest), the monthly personal account pension calculated with a payment period of 30 years is: [1,000 yuan × 11% × 12 (months) ×30 (year)]÷120=330 yuan. If the payment period is 15 years, the calculated personal account pension is 165 yuan per month. The difference is half, and if factors such as interest are taken into account, the difference is even greater.

4. If you know the current pension insurance policy, you will have a rough idea of ??your future benefits. It will be clearer if you look at the latest pension insurance policy: the State Council released on December 3, 2005<> (Guofa [2005] No. 38) stipulates that employees of all types of urban enterprises, individual industrial and commercial households, and people with flexible employment must participate in the basic pension insurance for enterprise employees. The payment base for urban individual industrial and commercial households and flexible employment personnel participating in basic pension insurance is the average salary of local employees in the previous year, and the payment ratio is 20%, of which 8% is credited to personal accounts. After retirement, it is calculated according to the basic pension calculation and payment method for enterprise employees. Pay basic pension. Reform the basic pension calculation and payment methods. In order to connect with the consolidation of personal accounts, starting from January 1, 2006, the scale of personal accounts will be adjusted from 11% of the salary paid by the individual to 8%, all of which will be formed by personal contributions, and the unit's contributions will no longer be transferred to the personal account. At the same time, we will further improve the incentive and restraint mechanism to encourage employees to participate in insurance premiums, and adjust the basic pension calculation and payment methods accordingly.

After the implementation of the "Decision of the State Council on Establishing a Unified Basic Pension Insurance System for Enterprise Employees" (Guofa [1997] No. 26), the number of years of participation in work and payment (including the deemed payment period, the same below) has been completed. Those who have served for 15 years will receive a basic pension on a monthly basis after retirement. Basic pension consists of basic pension and personal account pension. The monthly basic pension standard at retirement is based on the average monthly salary of local employees in the previous year and the average indexed monthly contribution salary of the employee, and 1% will be paid for every full year of payment. The monthly pension standard for personal accounts is the amount saved in the personal account divided by the number of payment months. The number of payment months is determined based on factors such as the average life expectancy of the urban population when the employee retires, his or her retirement age, and interest.

Those who worked before the implementation of Guofa [1997] No. 26 document and retired after the implementation of this decision and have paid for 15 years in total will be granted basic pensions and personal account pensions. Then provide a transitional pension. The people's governments of all provinces, autonomous regions, and municipalities directly under the Central Government must, in accordance with the principles of reasonable connection of treatment levels and smooth transition of old and new policies, formulate specific transition measures based on careful calculations, and submit them to the Ministry of Labor and Social Security and the Ministry of Finance for filing.

Those who reach retirement age after the implementation of this decision but whose cumulative payment years are less than 15 years will not be granted a basic pension; the amount saved in their personal account will be paid to them in one lump sum and the basic pension insurance relationship will be terminated.

This is the latest regulation for calculating pension benefits.

In a factory, your employer will help you pay social insurance in a certain proportion.