most people know that after 15 years of social security payment, they can get pension after retirement. But how much can I get? How to calculate? Let's take you to know how much social security in Guangzhou will take every month after 15 years? Can local social security receive pension after 15 years in different places?
At a press conference held by the State Council Information Office on March 1, Yin Weimin, Minister of human resources and social security, said at the press conference that he would continue to study the policy of delaying the retirement age in depth and seriously and wait for the opportunity to launch it in a timely manner. Today, we will not discuss whether this policy is good or not, but only talk about the retirement pension that we are most concerned about. Most people know that after 15 years of social security, you can get a pension after retirement. But how much can I get? How to calculate? Fang Wangjun believes that few people can answer. In this issue, Fang Wangjun will help you eliminate this knowledge corner.
How much pension can social security get after 15 years?
On the amount of retirement pension, in fact, the state has a formula: pension = basic pension + personal account pension
① Basic pension = (average monthly wage of employees in the previous year in the insured area + average monthly payment wage indexed by myself) & divide; 2 & times; payment period & times; 1%
'My indexed monthly average payment wage 'is the average wage of the insured area last year & times; my average contribution index, which is the average ratio of employees' monthly payment wage to the average wage of the insured area in the current year, which is generally between 0.6 and 3. The higher the contribution wage, the higher the index is, but not more than 3.
② Personal account pension = personal account savings & divide; number of months
The amount deposited in a personal account is the total amount and interest of the individual part since the pension payment. According to the national regulations, the individual part is the contribution salary & times; 8%; and the number of months of payment is mainly related to the retirement age, as shown in the following table:
The front are all theories. Next, Fang Wangjun gives a specific example to see how much money he can get after 15 years of social security.
Suppose Mr. Li worked in Guangzhou and started to pay the endowment insurance in 2010. The minimum payment period is 15 years. According to the data released by the Statistics Bureau, from 2010 to 2015, the average wages of on-the-job employees in Guangzhou were 4541 yuan, 4789 yuan, 5313 yuan, 5808 yuan, 6187 yuan and 6764 yuan respectively, with an average annual increase of 445 yuan. Based on this average increase, the average monthly wage of employees in Guangzhou will be 4541 + (15 & times; 445) = 11216 yuan by 2024.
And Mr. Li's' average personal contribution index 'is estimated to be 1.2 (the final index will be determined when he retires). Then, in 2025, Mr. Li will be entitled to basic pension = (11216 + 11216 & times; 1.2) & divide; 2 & times; 15 & times; 1% = 1851 yuan.
Let's assume that Mr. Li's average annual salary after 2010 is 100000 yuan, that person's annual endowment insurance payment is 8000 yuan, and the total payment for 15 years is 120000 yuan (ignored temporarily for convenience of calculating interest). According to the previous calculation method of personal pension, if Mr. Li retires at the age of 60 in 2025, he will receive 120000 & divide; 139 = 863 yuan a month.
To sum up, if Mr. Li retires in 2025, he will receive a monthly pension of 1851 + 863 = 2714 yuan.
Note: in addition to the basic pension and personal account pension, there is also a transitional pension. However, this pension is not available to everyone. It is only for the employees who worked before 1995 (because there was no individual account system before 1995, this is the compensation scheme), and the calculation method is complex, so it is not listed.
Can outsider get old-age pension in local area after 15 years of social security?
In real life, there are many migrant workers working in big cities such as Beijing, Shanghai, Guangzhou, Shenzhen and so on. Due to the strict household registration in big cities, many of them are still registered in other cities, but social security has always been paid in big cities. In this case, when social security has been paid for 15 years, can you get pension in the local area? I think this is a problem that many people are concerned about.
On the premise that social security has been paid for 15 years in total, the state has made corresponding regulations according to four different situations
(1) the relationship between the elderly and the registered residence is locally collected.
This is easy to understand. The local people will collect it locally.
(2) if the registered residence is not in the place, it will be paid in the area where the total payment has been paid for 10 years.
This just answers the previous question. For example, if you are from Hunan Province, you work in Guangzhou when you retire, and you have paid the social security insurance for 10 years in Guangzhou, then you can receive pension in Guangzhou.
3. If the registered residence is not in the place of payment and the payment is less than 10 years, it will be returned to the previous one.
For example, if you are from Hunan Province, you worked in Guangzhou and paid the social security for 10 years, then you went to Shenzhen to work. After paying the social security for 5 years, you will be retired. In this case, your pension account will be transferred back to Guangzhou and receive pension in Guangzhou.
(4) if it is not in the household registration area, and the accumulated payment period is less than 10 years, the household registration place shall be collected according to the regulations.
For example, you are from Changsha, Hunan Province. You have worked in Guangzhou, Shenzhen, Shanghai, Hangzhou and other places before and after paying social security, but each place has less than 10 years. In this case, when you retire, your pension account will have to be transferred back to Changsha and receive pension in Changsha.