According to the relevant national policies, the insured of endowment insurance must reach the retirement age and pay social security for more than 15 years before they can receive the basic endowment insurance fund on a monthly basis. So, how much can I get after 15 years of old-age insurance? How much pension can I get in 2019?
Let's first look at how pensions are calculated:
How much can I get a month after retirement after paying social security for 15 years? The calculation formula of social security pension for 15 years is: monthly pension = basic pension + personal account pension.
1. Basic pension = average monthly salary of local employees in the previous year when I retire & times; 20%
2. Personal account pension = personal account deposit pide; one hundred and twenty
If there is a unit, even if it has paid for 15 years, but the employee has not retired, the enterprise must continue to pay until retirement; If individuals pay social security, they can stop or continue to pay. According to local policies, they must continue to pay well. Pension insurance follows the principle of "pay more, pay more". The higher the payment base and the longer the service life, the more they receive pension when they retire. Once the payment is stopped, it will directly affect the pension treatment after retirement.
If you have been paying social security, what is the pension?
When the accumulated contribution period is 15 years, if you retire at the age of 65, you can receive a pension for about 20 years (provided that you live to the age of 85). Based on this calculation, the length of time you can receive a pension is: 20 & times; 12 months = 240 months.
Suppose that the average annual salary of XX after 2007 is 50000 yuan, that person will pay 4000 yuan a year and 60000 yuan in 15 years.
Personal account pension = personal account savings pide; The number of months counted and paid (195 months at the age of 50, 170 months at the age of 55, 139 months at the age of 60, and 120 months at the age of 60 and above). When XX retires at the age of 60, the monthly salary is 60000 pide; 139 = 462 yuan.
That is, XX retires in 2022 and can receive monthly pension: 2037 + 462 = 2499 yuan.
How much pension can you get in 2019?
In 2019, China ushered in 15 consecutive increases in pensions. The amount of pension increase varies from place to place, and will increase at that time. The specific amount of increase still needs to be notified by relevant local departments, and the Xiaobian will continue to pay attention to it.