Because, according to national regulations, the minimum pension period is 15 years. But in this way, there is another voice: anyway, as long as you pay 15 years, you can get a pension. After that, you don't have to pay it again, and the extra money saved can't be wasted. But it's not that simple! First of all, we should know that the amount of retirement pension is determined by many factors, such as retirement age, average social wage in the insured area, accumulated pension years, pension base, individual pension account and so on.
In the same city, the retirement age, average social wage and pension base are basically the same. In other words, the two factors that determine the amount of pension are the accumulated years of pension and individual pension account.
Among them, the amount of personal pension account is determined by the accumulated years of pension: the less the payment period, the less the amount of personal pension account. On the other hand, the annual increase of pension is also linked to the payment period. The longer the payment period, the more the payment amount, and the greater the annual increase of pension. That is, if you choose not to renew social security after 15 years, it will not only affect the accounting of individual pension account amount, but also affect the annual increase of pension.
In this regard, we can illustrate it with examples to make users understand it more clearly and intuitively. As we all know, retirement pension consists of three parts: basic pension, individual pension and transitional pension. Among them, the basic pension = the average salary of the whole province X( 1+ pension index) ÷2* payment period * 1%, and the pension index is between 0.4 and 3. Individual pension = individual pension account/(male 139, female cadre 174, female employee 195). Transitional pension = last year's average salary of the whole province x (length of service x(96 years ago) X 1.3%. If you don't pay social security before 1996, it will be regarded as calculating the length of service.
According to the above calculation formula, it is assumed that Xiao Li and Xiao Wang are both male employees in Beijing, and both pay social security according to the standard of 1.200 yuan per month, and the pension index is 2, which is not regarded as the length of service. But the difference is that Xiao Li chose not to renew her marriage after paying 15 years, while Xiao Wang has paid for 30 years. Under such circumstances, how to calculate the pension they can get after retirement.
First of all, we have to calculate the personal accounts of Xiao Li and Xiao Wang. The personal account amount of Xiao Li is:1200x12x15 = 216000 yuan. Xiao Wang's personal account amount is:1200x12x30 = 432,000 yuan. According to the average monthly salary of Beijing employees in 20 16 years, Xiao Li's basic pension is 7706x (1+2) ÷ 2x15x1%=1733.85 yuan. The personal pension is 216000139 ≈1553.96 yuan. Transitional pension is 7706X0X 1.3%=0 yuan. Therefore, the monthly pension for Xiao Yue is:1733.85+1553.96+0 = 3287.438+0 yuan.
And Xiao Wang's basic pension is 7706x (1+2) ÷ 2x30x1%= 3467.7 yuan. Personal pension is 432,000139 ≈ 3107,38+0 yuan. Transitional pension is 7706X0X 1.3%=0 yuan. Therefore, Xiao Wang's monthly pension is 3467.7+3107 438+0+0 = 6575.438+0 yuan. It can be seen that other conditions are the same, but the payment period is different. What's the difference between Xiao Li and Xiao Wang Can's monthly pension after retirement? This also verifies the principle of "pay more, get more", so it is suggested not to get stuck in the node of 15 when paying social security.