Calculation method of pension benefits for migrant workers 5

The basic pension is determined according to factors such as the cumulative number of years of individual contributions, the contribution salary, the average salary of local employees, the amount of personal accounts, and the average life expectancy of the urban population.

Pension calculation method:

Basic pension = pooled pension + personal account pension.

Basic pension pension = (the average monthly salary of on-the-job employees in the province in the previous year + the average indexed monthly contribution salary of the province) 2 * payment period * 1% = the average monthly salary of on-the-job employees in the province in the previous year (1 + my average payment index) 2 * payment period * 1%.

For example, a male employee in Shanghai retired at the age of 60 in 2010, and the average monthly salary of on-the-job employees in Shanghai last year was 3,566 yuan. When the cumulative payment period is 15 years, there is 50,000 yuan in the personal account, and the average payment index is.

Then, his basic pension = (3566 yuan + 3566 yuan * yuan.) His personal account pension = 50,000 yuan 139 = yuan; The above two items are combined, and his monthly basic pension is yuan + yuan = yuan.

Yes, the minimum payment period of endowment insurance is 180 months, that is, 15 years, you can pay more, and you can receive more at that time. At the same time, the pension insurance can be accumulated to calculate the payment period, that is, intermittent payment is allowed. Medical insurance needs to be paid for at least 25 to 30 years, and when you reach retirement age, you can apply for pension benefits and medical reimbursement (as long as the renewal is usually possible).

The current retirement age is 60 for men and 55 for women. Of course, under special circumstances such as engaging in high-risk jobs and losing the ability to work, you can apply for early retirement and receive pension benefits.

For retirement, there is a formula for calculating pensions: the sum of the average salary * 20% + personal account * 1 120, which is obviously directly related to the amount of social income and personal contributions. According to the payment time period and grade, it is generally about the local minimum living standard.

In addition, after all, China is a large country with a large population, and the purpose of the country's social security is to solve the future pension and medical problems, reflecting the principle of socialist equalization, rather than widening the gap and creating contradictions, so even if you pay more, the upper limit is stipulated.

If you want to improve the quality of pension, it is recommended that you buy a certain amount of commercial insurance as a supplement on the basis of purchasing social security.

The calculation method of the farmer's pension is: pension, basic pension, personal account pension.

Base Rollover Foundation Pension **Full subsidy payment for eligible participants. This part of the treatment is subsidized by the pension insurance of urban and rural residents. It is mainly related to the level of local financial revenue, and this part of the treatment is equal to everyone.

Personal account pension Retirement personal account balance Number of months of pension calculation (139 months of retirement at age 60). The level of this part of the pension is related to the balance of the retirement personal account, that is, the payment grade, and there are regional differences in the payment grade in various places.

Pension Basic pension Personal account pension. Therefore, the higher the level of pension insurance contributions, the more pensions you can get.

Benefits of pensions for farmers

1. Since the old old-age insurance method has been transformed into the new rural insurance, the elderly who have reached the age of 60 do not need to pay any premiums to receive the basic pension every month, but the premise is that their children must pay the old-age insurance.

2. Some provinces have begun the pilot work of one-time supplementary payment of endowment insurance, as long as it is the rural elderly who have not paid or have not paid for 15 years, they can make a one-time supplementary payment of endowment insurance.

What are the calculation methods for pension? basic pension + personal account pension; Basic pension = (the average monthly salary of the local on-the-job employees in the previous year at the time of retirement of the insured person + the average indexed monthly contribution salary of the insured person) 2 Payment period 1%; Personal account pension = the cumulative amount of personal account savings at the time of retirement of the insured person The age of the number of months is less than the statutory retirement age, and the number of months of the cumulative savings in the personal account is more than that of normal retirement. The basic pension calculation formula for sick retirees is the same across the country, but there are certain differences between provinces, cities and districts in the previous year, so you should consult with the local social security agency and refer to the local policy.

Step 1 Pension calculation method, basic pension + personal account pension, two parts; 2. Basic pension = (the average monthly salary of the local on-the-job employees in the previous year at the time of retirement of the insured person + the average monthly indexed salary of the insured person) 2. Payment period 1%; 3. Personal account pension = the cumulative amount of personal account savings at the time of retirement of the insured person, the number of months of calculation; 4. The basic pension calculation formula for sick retirees (the average salary of provincial and municipal employees in the previous year * 20% + the principal and interest of the estimated storage amount before the end of 95 + adjustment fund) (1 - advance period * 2%). END Notes: If the age of the sick retiree is less than the statutory retirement age, the cumulative number of months of savings in his personal account is more than that of the normal retirement; The basic pension calculation formula for normal retirement is the same across the country, but the provinces, municipalities and districts of the sick retirement have a certain amount of scattered oak areas, and they should consult the local social security agency and take the local policy as the standard.

Article 12 of the Full Text of the Social Insurance Law of the People's Republic of China stipulates that the employer shall pay the basic endowment insurance premiums in accordance with the proportion of the total wages of its employees stipulated by the state, which shall be credited to the overall planning of the basic endowment insurance. Employees shall pay basic pension insurance premiums in accordance with the proportion of their wages stipulated by the state, which shall be credited to their personal accounts. Individually-owned businesses without employees, part-time employees who have not participated in the basic pension insurance in the employer, and other flexibly employed persons who participate in the basic pension insurance shall pay the basic pension insurance premiums in accordance with the provisions of the state, which shall be credited to the basic pension insurance co-ordination and personal accounts respectively.

Rural pension calculation method Pension is composed of three parts: basic pension, personal account pension and payment period pension.

The current standard of basic pension is 70 yuan per person per month; The monthly standard of personal account pension is the amount of personal account savings divided by 139 months; The pension standard for the payment period is based on the principle of long-term payment and overpayment, according to the payment period cavity side of the sub-section, the payment is less than 5 years, and then the monthly additional 1 yuan year, 6 10 years plus 2 yuan a year, and the 11th year onwards according to 3 yuan a year. If you pay for 15 years, you can get an extra 30 yuan.

For example, at the age of 55 this year, he chooses to pay 1,200 yuan every year, and Wu Oak will make up for 10 years at one time until he is 60 years old, and the calculation method of the pension that can be received every month is: [1200 yuan (normal payment) 5 years + 70 yuan (** subsidy) 5 years + 100 yuan (supplementary payment amount) 10 years] 139 = yuan month, plus 70 yuan basic pension and 30 yuan payment period pension, totaling yuan.

If you find it troublesome, you can also go to the village or community to check the comparison table between the payment and the enjoyment standard. In fact, because the basic pension and the pension base of the payment period are the same, and the amount of personal account pension is small, so the pension is not very different. For example, if you pay 15 years on an annual basis, the pension corresponding to 100 yuan is 114 yuan per month, and the pension corresponding to paying 1200 yuan is 237 yuan per month.

If you happen to be 60 years old this year, the difference between the two is only 8 yuan.

Payment method: regular payment, irregular payment, one-time payment.

Pick-up: Collect from the social insurance administrative department.

Since the income of most farmers is not fixed, the payment method of rural social endowment insurance is very flexible, which is roughly divided into the following three types:

The first is regular payment. This is done in areas and groups of people with relatively stable or affluent incomes. For example, farmers in wealthy areas can pay contributions on a semi-annual or annual basis, and their contributions can be paid either in proportion to their income or in a certain amount.

The second is irregular payment. This is the approach taken by most regions due to income instability. In good years, it is overpaid, in arrears, and in disaster years. Family income can be paid when it is good, and it can be waived when it is bad.

The third is a one-time payment. Most of them are older farmers, who pay a lump sum of premiums according to their level of protection in old age, and receive pensions according to regulations after the age of 60.

To receive the pension, workers who meet the conditions for receiving the pension need to bring the relevant materials to the social insurance administrative department to apply, and then go through the registration, and then the pension will be credited to the account on time every month. Conditions for receiving a pension:

1. Retirement procedures have been completed;

2. The payment period reaches 15 years.

Legal basis

Interim Regulations on the Collection and Payment of Social Insurance Premiums

Article 2 These Regulations shall apply to the collection and payment of basic endowment insurance premiums, basic medical insurance premiums, and unemployment insurance premiums (hereinafter collectively referred to as social insurance premiums).

The term "paying units and paying individuals" as used in these Regulations refers to units and individuals that shall pay social insurance premiums in accordance with relevant laws, administrative regulations, and the provisions of the National Government.

Social Insurance Act

Article 15 The basic pension consists of a pooled pension and a personal account pension.

The basic pension is determined according to factors such as the cumulative number of years of individual contributions, the payment salary, the average salary of local employees, the amount of personal accounts, and the average life expectancy of the urban population.

Article 16 Individuals participating in the basic endowment insurance who have paid contributions for 15 years when they reach the statutory retirement age shall receive the basic pension on a monthly basis.

Individuals who participate in the basic endowment insurance and have paid less than 15 years of contributions when they reach the statutory retirement age can pay for 15 years and receive the basic pension on a monthly basis; It can also be transferred to the new rural social endowment insurance or urban residents' social endowment insurance, and enjoy the corresponding endowment insurance treatment in accordance with the provisions of Sou Li ***.

Legal analysis: Farmers can participate in the pension insurance for urban and rural residents and receive the pension for urban and rural residents, including two parts: basic pension and personal account pension.

Among them, residents who have reached the age of 60 at the time of the implementation of the new rural insurance or urban housing insurance can receive the basic pension without paying fees. Many farmers are also receiving this basic pension.

There is a national minimum standard for basic pensions, which was raised to 88 yuan per person per month in 2018, compared to 70 yuan per month before, and increased by 18 yuan. The basic pension standards in various places are high and low, generally higher than 88 yuan, with an average of 105 yuan, such as the basic pension of Beijing residents has reached 710 yuan per person per month, and the basic pension of Shanghai residents is 930 yuan per person per month.

Legal basis: Social Insurance Law of the People's Republic of China Article 58 An employer shall, within 30 days from the date of employment, apply to the social insurance agency for social insurance registration for its employees. If they fail to register for social insurance, the social insurance agency shall verify and approve the social insurance premiums they should pay.

Individually-owned businesses without employees who voluntarily participate in social insurance, part-time employees who do not participate in social insurance at the employer, and other flexibly employed persons shall apply to the social insurance agency for social insurance registration. The State shall establish a nationwide unified personal social security number. An individual's social security number is a citizenship number.

At present, the minimum amount of the country's basic pension is 88 yuan, and the provincial, municipal and regional finances can appropriately subsidize the potato stool according to the local economic situation. Due to the different levels of economic development in various provinces, cities and regions, the amount of financial subsidies varies from region to region. In some places, it has exceeded 1,000 yuan, such as Shanghai, which has risen to 1,100 yuan in 2020;

1. Will the farmer's pension be 400 yuan in 2020?

At present, the minimum basic pension of the state is 88 yuan, and the provincial, municipal and regional finances can appropriately subsidize it according to the local economic situation.

Due to the different levels of economic development in various provinces, cities and regions, the amount of financial subsidies varies from region to region.

In some places, it has exceeded 1,000 yuan, such as Shanghai, which has risen to 1,100 yuan in 2020;

800 yuan in Beijing and 500 yuan in Wuxi; Shenzhen 453 yuan; Nanjing: 440 yuan; Zhuhai 430 yuan; 307 yuan; Shandong 118 yuan, Qingdao 168 yuan; Some places only have 103 yuan, such as Henan, and Huai has the lowest in Heilongjiang, only 90 yuan.

Farmers in each region, even if they have not paid pension insurance, can also receive a basic pension.

2. At what age can I receive a rural pension?

Many farmers are worried about whether they can lead the pension insurance fees they pay, which can still be assured, because this is different from other insurance, this is the state, and the elderly can receive a pension every month as long as they are 60 years old. With the enhancement of comprehensive national strength, farmers' pension insurance will be more and more beneficial to the people, and farmers can receive more and more pensions, so there will be a situation where some elderly people can receive a lot of pensions every month.

3. Methods of receiving rural pensions.

The elderly in rural areas can receive a pension when they reach the age of 60, and for the elderly who have not received a pension, they can look down if they don't know how to receive a pension. To receive a pension, first of all, you must bring all the documents, including ID card, household registration book, payment certificate, and application**, and bring these documents to the local social security unit for declaration. Secondly, after the application submitted by the farmer has been reviewed and approved by the rural social insurance agency of the county (district) labor and social security bureau, the rural social endowment insurance "receipt certificate" will be issued.

Finally, the farmer can go to the bank or the agent to receive the pension with the "receipt certificate".