How much pension can I get now after paying my own pension for 30 years

Many veteran comrades who are about to retire are very concerned about how much pension they will receive after retirement. In fact, according to the pension calculation method of the basic pension insurance for urban workers in China, and then check your own insurance data on the local social security, you can roughly calculate the pension when you retire.

The pension is calculated by the following formula.

Persons enrolled on or after 1 January 1996.

Pension = basic pension + personal account pension.

Insured persons who worked before January 1, 1996.

Pension = basic pension + personal account pension + transitional pension.

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

Where: the indexed average monthly salary of the employee = the average monthly salary of the local on-the-job employees in the previous year and the average payment index of the employee.

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 local on-the-job employee in the previous year is 4,000 yuan.

When the cumulative payment period is 15 years, the average individual payment base is time, and the basic pension = (5000 yuan + 5000 yuan.

When the average individual contribution base is, the basic pension = (5000 yuan + 5000 yuan.

When the average individual contribution base is, the basic pension = (5000 yuan + 5000 yuan.

When the cumulative payment period is 40 years, the average individual payment base is time, and the basic pension = (5000 yuan + 5000 yuan.

When the average individual contribution base is, the basic pension = (5000 yuan + 5000 yuan.

When the average individual contribution base is, the basic pension = (5000 yuan + 5000 yuan.

Personal pension = basic pension + personal account pension = basic pension + personal account savings 139

Personal account pension = personal account savings at the time of retirement 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.) The number of months is slightly equal to (average life expectancy - retirement age) 12.

The number of months counted is: 195 months for 50 years old, 170 months for 55 years old, and 139 months for 60 years old.

For example, if a person retires at the age of 55 and the balance in the personal account is 51,000 yuan, then the personal account pension is.

51,000 yuan 170 months 300 yuan month.

Pension insurance can be used if it has been paid for a full number of years.

Insured persons on or after January 1, 1996: pension = basic pension + personal account pension.

Insured persons who participated in work before January 1, 1996: pension = basic pension + personal account pension + transitional pension basic pension.

Legal basis: Social Insurance Law of the People's Republic of China

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 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 endowment insurance benefits in accordance with the regulations.

Article 17 If an individual participating in the basic endowment insurance dies due to illness or non-work-related death, 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 18 The State shall establish a normal adjustment mechanism for basic pensions. According to the increase in the average salary and price of the extinct employees, the level of basic pension insurance benefits will be increased in a timely manner.

Article 19 If an individual is employed across the overall planning area, his basic pension insurance relationship shall be transferred with him/herself, and the payment period shall be calculated cumulatively. When an individual reaches the statutory retirement age, the basic pension is calculated and paid in stages.

Legal analysis: Taking the enterprise insured as an example, if the insurance is insured according to the local minimum payment standard, the same payment period is 30 years, and the pension is about 1,600 yuan if you retire in an area with a low economic level; Retirement in the middle of the economy, the pension is about 2,000 yuan; Retirement in areas with a developed economic level is about 2,500 yuan. However, if Lu Ling pays according to a high standard, the specific number is difficult to say, because the individual differences and regional differences are too large, and even very different, and it is difficult to summarize them simply.

Legal basis: Article 1 of the "Interim Measures for the Retirement and Retirement of Workers" shall retire if they meet one of the following conditions.

1) Men are at least 60 years old, women are at least 50 years old, and have worked continuously for 10 years.

2) Engaged in underground, high-altitude, high-temperature, particularly heavy physical labor, or other work harmful to physical health, where men are at least 55 years old, and women are at least 45 years old, and have worked continuously for 10 years or more.

For example, if the enterprise insured is insured according to the local minimum payment standard, the same payment period is 30 years, and the pension is about 1,600 yuan for retirement in an area with a low economic level; Retirement in the middle of the economic level, the pension is about 2,000 yuan; Retirement in areas with a developed economic level is about 2,500 yuan. However, if the payment is made according to a high standard, the specific figure is difficult to say, because the individual differences and regional differences are too large, or even very different, and it is difficult to summarize them simply.

1. How much can I get for 15 years of social security payment?

How much social security can be received after 15 years is not calculated only by the number of years of payment. The calculation of the pension needs to take into account the local average salary, the average contribution index of the insured person and the payment period of the pension insurance, because the pension we receive includes two parts: the basic pension and the pension of the personal account. Basic pension = (local average social wage in the previous year, average social wage * average contribution index) 2 * payment period * 1%; Personal account pension = total amount of personal pension account Number of months; For example, the average social salary in a certain area is 5,000 yuan, the average individual contribution index of the insured person is 1, the contribution is 15 years, the retirement at the age of 60, and the basic pension that can be received after retirement is 750 yuan.

After 15 years of payment, the total amount of pension insurance paid by the insured is 72,000 yuan, and the personal account pension includes the total amount of personal pension insurance contributions, subsidies and interest, so the total amount of personal accounts is greater than 72,000 yuan. The minimum pension for personal accounts is 72000 139 = yuan. That is, the minimum monthly pension that can be received after retirement at the age of 60 is RMB.

2. How much has the pension in Gansu Province been raised?

The Gansu Provincial Department of Human Resources and Social Security issued a notice on adjusting the basic pension of retirees, adjusting the basic pension level of retirees in enterprises and institutions from January 1, and the adjustment level will be about the average monthly basic pension of retirees.

The determination of the level of adjustment is determined by taking into account the current situation of economic and social development, the current level of pensions for retirees of enterprises, government agencies, and institutions, and other factors. This adjustment level is the overall level of adjustment of the remuneration of retirees in enterprises, government agencies, and institutions, and it does not mean that the retirees of enterprises, government agencies, and institutions are adjusted according to the proportion of their respective pension levels, still less is it simply to increase the pension of each retiree.