On the issue of social endowment insurance payment, I believe that everyone also has a basic concept, that is, according to the monthly average wage of local employees in the previous year as the payment base, the lower limit is 60% of the monthly average wage of employees in the previous year, and the upper limit is the employee month in the previous year... Want to learn more about how to calculate the actual pension after retirement, follow the editor to have a look.
As for the payment of social endowment insurance, I believe that everyone has a basic concept, that is, according to the monthly average wage of local employees in the previous year as the payment base, the lower limit is 60% of the monthly average wage of employees in the previous year, and the upper limit is 300% of the monthly average wage of employees in the previous year. Outside the limit, no matter you want to pay more or less, it is not allowed. However, for our ordinary employees, which is more cost-effective to choose to pay the upper limit or the lower limit? Of course, the standard to measure this is the actual amount of pension we can receive after retirement.
According to the latest pension calculation method, it is necessary to pay the pension for 15 years before receiving it. When employees retire, the pension consists of two parts:
1. Pension = basic pension + individual account pension
2. Personal account pension = personal account deposit & divide; calculated months. It used to be the same 120 months. At present, the age of 50 is 195 months, the age of 55 is 170 months and the age of 60 is 139 months.
3. Basic pension = average monthly wage of employees in the previous year & divide; 2 & times; payment period & times; 1%
From the analysis of the above formula, the amount of our pension in the future is related to our age, average monthly wage of employees on duty, payment period and average monthly payment wage of ourselves. It is not hard to see that the longer the payment period is, the higher the base of payment is, the more pension we will receive in the future. The biggest benefit of social security pension is to live and get old. Even if the pension of individual account is finished, the state will continue to pay basic pension, and the pension will increase with the increase of the average monthly wage of social workers.