With the development of China's society and economy, China's welfare and social security system has gradually tended to be improved in recent years. Social security is the country's basic security system for people's social life. Many people pay more and more attention to social security, because now social security has basically been popularized to everyone. For the payment of social security, the most concerned and confused thing should be the number of years of social security payment. The minimum payment of social security should be 15 years. How much difference can people who have paid social security for 15 years and those who have paid social security for 20 years get after retirement?
You can pay social security for urban and rural residents now or participate in employee social security as a flexible employment. The following small series takes the payment of employee social security by flexible employees as an example to introduce the social security payment standard.
Flexible employees who participate in employee social security can pay endowment insurance and medical insurance. The payment proportion of endowment insurance is usually 28%, and the payment proportion of medical insurance varies slightly from region to region, generally the lowest is 8%. The specific payment standard is determined according to the social average wage of the insured place. The minimum payment standard is 60% of the social average wage and the maximum payment standard is 300% of the social average wage. Flexible employees can choose their own payment grade according to their actual economic situation.
As we all know, you can enjoy pension benefits after 15 years of normal payment of pension insurance. Is there any difference between 15 years of payment and 20 years of payment? The following small series will tell you through calculation.
Suppose Zhao and Wang both retire at the age of 60, both of them are in the same company, their personal contribution index is 1, and the monthly pension insurance fee paid by the company and individual is 400 yuan. Zhao has paid for 15 years, Wang has paid for 20 years, and the average local salary is 4000 yuan
Zhao: basic pension = (4000 + 4000) & pide; 2 * 15 * 1% = 600 yuan;
The total amount of personal account pension includes total contributions, government subsidies and interest, that is, Zhao's personal account pension is higher than 400 * 12 * 15 = 72000 yuan, so the personal account pension is equal to 72000 & pile; 139 = 517.99 yuan;
Zhao's total monthly pension is 600 + 517.99 = 1117.99 yuan;
Wang: basic pension = (4000 + 4000) & pide; 2 * 20 * 1% = 800 yuan;
Wang can receive a personal account pension of more than 400 * 12 * 20 & pide per month; 139 = 690.65 yuan;
Wang's total monthly pension is 800 + 690.65 = 1490.65 yuan;
Through the above calculation, we can see that the longer the pension contribution years are, the more pensions will be received after retirement.