After 15 years of social insurance contributions, how much can an individual get when he retires nex

Pension = basic pension + personal account pension.

1. Personal account pension = personal account savings The number of months (the number of months is determined according to the retirement age and the average life expectancy of the population at that time;

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

For example, according to the above formula, assuming that when a male employee retires at the age of 60, the average monthly salary of the on-the-job employee in the province in the previous year is 4,000 yuan.

When the cumulative payment period is 15 years:

When the average individual contribution base is, the basic pension = (4000 yuan + 4000 yuan;

When the average individual contribution base is, the basic pension = (4000 yuan + 4000 yuan;

When the average individual contribution base is, the basic pension = (4000 yuan + 4000 yuan;

1. It is a minimum of 15 years, and if you have not yet reached the retirement age, some areas may require you to pay until the retirement age.

2. The retirement age is usually 60 for men, 55 for female cadres and 50 for female workers.

3. Pension after retirement = (average salary for 1 year before retirement + average monthly salary for individuals) 2 * 1% * payment period + number of months in personal account (139 if 60 years are returned).

Pension calculation formula:

The average monthly salary of employees in the previous year before retirement * 20% + personal account savings 120

You can enjoy the pension treatment in 15 years, but the more you pay, the more you will get after retirement, and the pension will stop if you don't pay medical care, or you will pay until you are old!

The calculation of pension is more complicated, not only has a period of 15 years, the level of payment (payment index), but also the account balance, the average salary of the previous year, etc. Fortunately, when you reach your age next month, you can go through the retirement procedures now.

This is calculated based on the amount of annual contributions.

Legal analysis: If you have participated in the basic pension insurance and have paid for 15 years when you reach the statutory retirement age, you will receive a basic pension on a monthly basis. Monthly basic pension:

5525+5525 yuan; Personal account pension: 47736 139 = yuan.

Legal basis: "Social Insurance Law of the People's Republic of China" Article 2: The State shall establish social insurance systems such as basic endowment insurance, basic medical insurance, work-related injury insurance, unemployment insurance, and maternity insurance, and protect citizens' right to receive material assistance from the State and society in accordance with the law in the event of old age, illness, work-related injury, unemployment, childbirth, etc.

Legal analysis: The calculation formula for the pension of social security for 15 years is: monthly pension = basic pension + personal account pension. Basic pension = the average monthly salary of on-the-job employees in the province in the previous year (1 + my average spring payment index) 2 Payment period 1%;

Personal account pension = personal account savings The number of months of personal account pension;

1. The monthly pension at the time of retirement is composed of 3 parts: pension at retirement, basic pension, personal pension, and transitional pension (no social security was paid before 96, calculated according to the length of service).

2. If there is a unit, even if the payment has been completed for 15 years, but the employee has not retired, the enterprise must continue to pay until retirement; Individuals pay social security, can stop paying, can also continue to pay, according to local policies, must also continue to pay well, 3, pension insurance is to follow the principle of more pay, the higher the payment base, the longer the number of years, the more pensions you receive when you retire. Once the payment is stopped, it will directly affect the pension benefits after retirement.

Legal basis: Social Insurance Law of the People's Republic of China Article 4 Employers and individuals within the territory of the People's Republic of China who pay social insurance premiums in accordance with the law have the right to inquire about payment records and personal rights and interests records, and request social insurance agencies to provide social insurance consultation and other related services. Individuals who enjoy social insurance benefits in accordance with the law have the right to supervise their own units' contributions.

(1) The basic pension is mainly related to three factors: the average contribution index of the person, the average social salary of the previous year of retirement, and the number of years of payment.

If the contribution is always made on the basis of 60 per cent, the average contribution index is. But to be honest, in the past, many places such as Beijing and Sichuan could actually pay lower than the 60% base, and Shenzhen and Xiamen can now pay according to the minimum wage.

In the case of the average contribution index, if you pay for 15 years, you can receive 12% of the average social salary of the previous year of retirement or the pension base of the current year.

At present, the pension base in various places is generally between 6000 and 11,000 yuan, which means that this part of the treatment will be about 720 yuan to 1320 yuan.

If the average contribution index is 1, you can receive 15% of the average salary for 15 years, which is also a manifestation of overpayment. However, it has effectively narrowed the treatment gap.

2) Personal account pension is equal to the balance of the personal account divided by the number of months determined by the retirement age. This part of the treatment is divided into many situations.

In the past, when the payment base was high, the balance of the personal account formed was more. For example, Beijing, Shanghai and other places have a relatively high payment base, so the balance of personal accounts will accumulate more.

In addition, there are also the number of months of retirement age, which is 195 months at 50 years, 170 months at 55 years, and 139 months at 60 years.

The same endowment insurance personal account is 50,000 yuan, the personal account pension is about 250 yuan for retirement at the age of 50, about 290 yuan for retirement at the age of 55, and about 360 yuan for retirement at the age of 60.

Generally speaking, according to the 60% base payment for 15 years, retirement in 2022, the pension is generally around 1,000 yuan to 1,600 yuan. However, some areas still have historical policies, and the treatment will be on the high side, which can reach more than 1,800 2,000 yuan.

In addition to the basic pension, there are two things to pay attention to.

First, after retirement, the pension will be increased in accordance with the national unified adjustment notice, relatively speaking, the payment period is short, and the proportion of people with low pension levels will be higher, but the amount will be slightly less.

It is generally recommended that you do not only pay for 15 years, at least one month more, because when increasing the pension, it will generally be calculated as one year if it is less than one year. One more month, more according to the number of years of payment.

Second, there are funeral benefits and pensions for the death of the insured. Treatment is equal for all. In the event of death after 15 years of retirement, the funeral allowance and pension are the monthly per capita disposable income of the province and town in the previous year of death for 2 months and 9 months respectively.

According to the social security base contributed, the higher the amount, the more pension you get.

After 15 years of social security contributions, the pension takes the basic pension plus the personal account pension.

Old-age insurance is within the scope of the law of the elderly completely or basically withdraw from social labor life before it automatically takes effect, to meet the retirement conditions stipulated by the state has gone through the relevant procedures.

The details are as follows: 1. If the basic pension insurance premiums have been paid for 15 years according to the regulations, the basic pension and funeral subsidies can be received on a monthly basis from the next month after the approval of the labor and social security administrative department;

2. Endowment insurance is based on the living security of the elderly, and the insurance is established through redistribution means or savings to pay for the living expenses of the elderly.

Legal basis

Social Insurance Law of the People's Republic of China

Article 16 Individuals participating in the basic pension insurance, when they reach the statutory retirement age, they shall receive the basic pension on a monthly basis.

Individuals who participate in the basic endowment insurance and have paid contributions for less than 15 years 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 pension insurance treatment in accordance with the regulations. Article 17 If an individual participating in the basic endowment insurance dies due to illness or non-work-related reasons, his surviving family members may receive funeral subsidies and pensions; Those who completely lose their ability to work due to illness or non-work-related disability when they have not reached the statutory retirement age may receive sickness and disability allowance. The required funds are paid out of the basic pension insurance**.

Article 57 An employer shall, within 30 days from the date of its establishment, apply to the local social insurance agency for social insurance registration with its business license, registration certificate or unit seal. The social insurance agency shall, within 15 days from the date of receipt of the application, examine and issue a social insurance registration certificate.

If there is a change in the social insurance registration items of the employer or the termination of the social insurance registration by the employer in accordance with the law, it shall, within 30 days from the date of the change or termination, go to the social insurance agency to change or cancel the social insurance registration.

The departments for market regulation, civil affairs, and the establishment and management organs shall promptly notify the social insurance handling bodies of the establishment and termination of the employers, and the public security organs shall promptly notify the social insurance handling bodies of the births, deaths, and registration, relocation, and cancellation of household registrations.

<> "How much can I get when I retire after 15 years of social security payment."

The formula for calculating the pension is: pension = basic pension + personal account pension. Where:

1. Basic pension = (average monthly salary of on-the-job employees in the province in the previous year + average monthly indexed salary of the person) 2 Payment period 1%.

Note: My indexed average monthly contribution wage = the average monthly salary of on-the-job employees in the province in the previous year My average contribution index].

2. Personal account pension = the amount of personal account savings calculated and issued for the number of months (50 years old is 139 years old).

In the above formula, it can be seen that in the case of the same payment period, the level of the basic pension depends on the average contribution index of the individual, and the average contribution index of the individual is the average of the ratio of the actual contribution base to the average salary of the society over the years.

According to the regulations, the "average index of wages paid by myself" is different for each unit, generally between 3 and 3, that is, 60% to 300% of the average salary of employees on the job in the calculation year is used as the base payment, mainly considering the difference in income level, and the higher the income, the higher the payment index, but not more than 3.

Now that you know the formula for calculating the pension, let's take a chestnut.

According to the above formula, assuming that when a male employee retires at the age of 60, the average monthly salary of the on-the-job employee in the province in the previous year is 4,000 yuan.

Then when the cumulative payment period is 15 years, there is so much money that can be received:

When the average individual contribution base is, the basic pension = (4000 yuan + 4000 yuan;

When the average individual contribution base is, the basic pension = (4000 yuan + 4000 yuan;

When the average individual contribution base is, the basic pension = (4000 yuan + 4000 yuan;

When the cumulative payment period is 40 years, there is so much money that can be received:

When the average individual contribution base is, the basic pension = (4000 yuan + 4000 yuan;

When the average individual contribution base is, the basic pension = (4000 yuan + 4000 yuan;

When the average individual contribution base is, the basic pension = (4000 yuan + 4000 yuan;

After 15 years of social security contributions, you can no longer pay contributions. If there is a unit, even if the employee has not retired after 15 years, the enterprise must continue to pay the fee until retirement; Individuals pay social security, can stop paying, can also continue to pay, according to local policies, must also be the destruction of the continued payment of good, pension insurance is to follow the principle of "pay more, more", the higher the payment base, the longer the number of years, the more pension when retiring.

How much money you can receive each month after 15 years of social security contributions after retirement varies from person to person and from place to place. The amount of pension is related to the average salary of local on-the-job employees in the previous year, the personal contribution index, the amount of personal account savings and the retirement age, so the basic pension is different in different regions, and the pension of different retirees in the same region will be slightly different.

The basic pension consists of a pooled pension and a pension in an individual account.

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.

Therefore, according to this provision, it can be concluded that the monthly pension = basic pension + personal account pension.

Monthly basic pension = (local average monthly salary of on-the-job employees in the previous year + average monthly indexed salary of the person) 2 times the number of years of payment multiplied by 1%, of which the average monthly indexed salary of the person = the average monthly salary of the province's on-the-job employees in the previous year multiplied by the average individual payment index.

Monthly personal account pension = personal account savings The number of months (195 for 50 years old, 170 for 55 years old, 139 for 60 years old).