After social security has been paid for a certain number of years, we can get pension insurance. How much money do we get every month after 15 years of social security? In fact, after 15 years of payment, we can get part of our own pension after retirement. How much money can we get after 15 years of social security payment?
How much will social security get every month after 15 years
According to the relevant policies of the state, the insured of endowment insurance must reach the retirement age and pay social security for more than 15 years before they can receive the basic endowment insurance monthly.
Therefore, social security can choose to stop paying after 15 years. Here, I need to remind you that in general, the longer the social security payment time is, the more the payment is, the more pension you will receive after retirement in the future.
For the amount of social security after 15 years, the calculation formula of social security payment of 15 years old age pension is: monthly pension = basic pension + personal account pension.
1. Basic pension = the average monthly salary of local employees in the previous year when I retired & times; 20%; 2. Personal account pension = my account deposit & divide; 120
Based on the average salary of 6000 yuan in Shanghai in January, your personal pension is 6000 & times; 8% & times; 12 & times; 15 = 86400 yuan. The company pays 6000 & times; 20% & times; 12 & times; 15 = 216000 yuan, totaling 302400 yuan. This is all the expenses you pay during working. Are you wondering whether you have paid more than 300000 yuan and received a lot of money every month? In fact, the fact may be more cruel than you think, because the pension formula is as follows:
Basic pension = (average monthly wage of on-the-job employees in the previous year + average monthly payment wage of the index) & divide; 2 & times; payment period & times; 1% = [(6000 + 6000) & divide; 2] & times; 15 & times; 1% = 900 yuan.
Personal account pension = personal account savings (total personal contributions) & divide; personal account pension months = 230400 & divide; 101 = 855 yuan (Note: according to the latest national regulations, the post-90s can retire only at the age of 65, and the personal account pension months are 101 months), 900 + 855 = 1755 yuan, that is to say, the pension you get is 1755 yuan per month.
Proportion of social security payment:
Endowment insurance: the unit pays 21% for you every month and 8% for yourself;
Medical insurance: the unit pays 9% for you every month, and you pay 2% plus 10 yuan for serious illness;
Housing accumulation fund: the unit pays 8% for you every month and 8% for yourself
Pay 2% unemployment insurance for yourself every month and 1% for your company;
Work related injury insurance: the unit pays 0.5% for you every month, and you don't need to pay any money yourself;
Maternity insurance: the unit pays 0.8% for you every month, and you don't have to pay any money yourself;
In this way, the proportion of social security paid by the unit should be 21% + 9% + 2% + 0.5% + 0.8% + 8% = 41.3%
You should pay 8% + 2% + 10 yuan + 1% + 8% = 19% + 10 yuan every month