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What's the difference between social security interruption and continuous payment? How to calculate

Endowment insurance is an important social security. To understand our retirement treatment, we must first understand our social security policy. Our social security actually includes five insurances: endowment insurance, medical insurance, industrial injury insurance, maternity insurance and unemployment insurance. Endowment insurance pays 15 years, when ability arrives emeritus age, deal with emeritus, enjoy annuity treatment by the month. The payment for 15 years is cumulative, and there is no need for continuous payment.

The calculation formula of pension is basic pension + individual account pension.

The basic pension is the most protected part of the treatment. He is related to the social average wage of the previous year, his payment index and payment period

If we pay according to the minimum payment base (60% of the social average payment base) in 15 years, our average payment index over the years is 0.6, and the basic pension treatment is equal to 12% of the social average wage of the previous year of retirement.

It can be said that it has nothing to do with the fees paid in any year. If the average social wage used to calculate retirement benefits is 6000 yuan, the basic pension part is 720 yuan per month.

If our average contribution index is higher, the corresponding retirement benefits will be higher. If the average contribution index is one, the basic pension treatment is 15%, so that the basic pension retirement treatment can reach 900 yuan per month.

The second part is called individual account pension. The individual account pension treatment is equal to the balance of the individual account at retirement divided by the number of payment months determined by the retirement age. The number of payment months for 60-year-old retirement is 139 months, and the number of payment months for 50-year-old retirement is 195 months.

In this way, even if the individual account balance is the same, the individual account pension will be different due to different retirement age.

If we have 30000 yuan in our personal account and retire at the age of 50, we can get 154 yuan in our personal account pension every month, but 216 yuan in our personal account pension when we retire at the age of 60.

So, our basic pension for 15 years is about 870 yuan to 1100 yuan.

But it's just basic endowment insurance. We also have basic medical insurance.

According to the provisions of the social insurance law, those who reach the legal retirement age and whose medical insurance payment reaches the fixed number of years stipulated by the state can enjoy the basic medical insurance treatment after retirement, and need not continue to pay.

The accumulated payment period of medical insurance stipulated by the state is different in different places. At present, Guangzhou and Shanghai are 15 years old, Hangzhou and Shenzhen are 20 years old, Qingdao is 20 years old for female comrades, 25 years old for male comrades, Nanchang is 25 years old for female comrades and 30 years old for male comrades.

If the corresponding number of years is not reached, one-time supplement or continuous payment to the full number of years is required when reaching the retirement age.

When it comes to retirement benefits, in fact, there are also some individual account medical insurance benefits in medical insurance. However, after retirement, the amount of money transferred into individual account medical insurance varies from place to place. The minimum amount in Qingdao is 80 yuan or 90 yuan, in Beijing is 97 yuan and 107 yuan, and in Shanghai is 1680 yuan or 1890 yuan a year. Shenzhen is 8.05% of 60% of the social average payment base, and the social average base from July 1, 2018 to June 30, 2019 is 8348 yuan, up to 403 yuan per month.

As for the remaining work-related injury insurance, unemployment insurance and maternity insurance, they will no longer work after the employees retire. Our social security is the most important for retired employees, which is pension and medical insurance.

There is also an annual pension adjustment problem with respect to endowment insurance. Every year, according to the unified requirements of the state, all provinces and cities will increase the pension treatment in three ways: quota adjustment, linkage adjustment and proper tilt, so as to ensure that the pension treatment of retirees is consistent with the economic and social development. Our endowment insurance is very good.