Now endowment insurance has always been a topic of concern. Endowment insurance is a kind of basic security when people are old. How much can an individual pay for endowment insurance in a month? The following is the summary made by Xiaobian. Let's learn about the new regulations of personal endowment insurance in 2019.
Basic pension = average monthly salary of local employees in one year before retirement * 20%.
Personal account pension = personal account deposit & divide; 120. When the cumulative contribution period is 15 years, retirees aged 65 can also receive a pension of about 20 years (provided they live to 85 years).
According to this calculation, the period of pension can be calculated as 20 x 12 months = 240 months. Assuming that the average annual salary of a company after 2007 is 50000 yuan, the person will pay 4000 yuan per year and 60000 yuan in 15 years.
Individual account pension = individual account deposit months (50 years old 195 months, 55 years old 170 months, 60 years old 139 months, 60 years old and above, unified 120 months). When a 60 year old retires, he pays 60000 euros a month, 139 = 462 yuan. In other words, a retiree can receive a monthly pension in 2022: 2037 + 462 = 2499 yuan.
Extended information:
1. Social security function
(1) The function of stabilizing social life
(2) The function of redistribution
(3) The function of promoting social and economic development: first, social insurance system as an important tool of demand management to play a positive role in the economy; second, the effective use of social insurance fund can promote the sustained prosperity of the economy; third, social security has become the basic condition for enterprises to attract talents.
2. Ways of collecting social insurance premium
(1) Proportional premium system
This way is based on the insured's wage income, which stipulates a certain percentage, so as to calculate and collect the insurance premium. Adopting proportional system is the main purpose of social insurance.
In order to compensate the insured for the loss of income during the period of risk accident, in order to maintain their minimum living, we must refer to the income they usually live on, on the one hand as the standard of payment, on the other hand as the basis of premium calculation.
The biggest drawback of the work based proportional insurance system is that the burden of social insurance is directly related to wages. Whether employers and employees bear social insurance or one of them bears social insurance, the burden of social insurance is manifested as the increase of labor cost, which will lead to capital crowding out labor and increase of unemployment.
(2) Equal premium system
That is, regardless of the income of the insured or his employer, the same amount of insurance premium will be charged. The advantage of this system is that it is simple to calculate and easy to implement universally. Moreover, the countries that collect insurance premium by this method generally adopt the equal system when they pay, which has the meaning of equal income and expenditure. But its defect is that low-income people and high-income people pay the same premium, which is obviously unfair in terms of affordability.