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How much is the proportion of pension insurance? How much should pension insurance individual bear

pension insurance is an important guarantee for our future life. If employees work in enterprises, according to the regulations, the endowment insurance is jointly borne by the company and employees. And in recent years, the proportion of pension insurance has been reduced to varying degrees, so how much is the proportion of pension insurance wages? How much should pension insurance individual bear?

What is the proportion of endowment insurance?

If you work in a public institution, that is, as an employee of an enterprise or institution, according to the state regulations, the unit is obliged to share most of the endowment insurance amount, that is, the endowment insurance premium is jointly borne by the enterprise and the employee.

At present, China's enterprises and institutions pay 20% of the approved total wages of employees, and employees only need to pay 8% of the approved payment base. Among them, the payment base refers to the basic amount of social insurance stipulated by the insurance and payment of the region, and the average social wage of the employees in the province is generally taken as the benchmark.

What is the proportion of individual endowment insurance?

For those who buy endowment insurance in their personal status, such as the urban individual industrial and commercial households, the personnel engaged in free occupation and the laid-off workers of state-owned enterprises, the social average wage of the province in the previous year is taken as the payment base, and the pension insurance premium is paid according to the proportion of 18%. Of course, the proportion of this payment is not fixed, and sometimes it will be adjusted. For example, in 2010, the proportion of individual pension insurance payment was 20%, and this part of endowment insurance premium was all borne by individuals.

As one of the five major social insurance in China, the importance of endowment insurance is self-evident. With the improvement of China's endowment insurance system, it plays a more and more important role in guaranteeing the life of the elderly after retirement. At present, the endowment insurance premium in China is jointly borne by the state, the unit and the individual, and the proportion of endowment insurance payment is coordinated with the proportion of individual wage, total wage of unit employees and national social overall planning fund.

How much should pension insurance individual bear?

For example, Xiao Wang's monthly income is 2000 yuan, excluding 8% of the individual's endowment insurance contribution proportion, that is, 160 yuan, which is accounted into his personal account. If the unit needs to pay 600 yuan according to the payment base, 60 yuan of which will be directly included in Xiao Wang's personal account, and the other 540 yuan will be taken as part of social overall planning. This is the approximate proportion of endowment insurance. Of course, different places and units pay different proportion of endowment insurance payment, even if the proportion is the same, pension insurance gap is also very obvious.