How much pension can I get for retiring in the private sector? Are there more private or state owned

In China, private enterprise pension and state-owned enterprises.

The difference in pensions is that in general state enterprises, when the individual salary is higher than the average social wage.

At that time, the payment is based on individual wages, while most private enterprises pay for employees according to the minimum base of social security, so the social security paid by state-owned enterprises is more, and the salary of employees of state-owned enterprises after retirement is relatively higher.

What is the difference between private and state-owned pensions in China? Generally, when the individual salary of state-owned enterprises is higher than the average social wage, it is based on the individual salary, while most private enterprises pay for employees according to the minimum base of social security, so the CEO can pay less social expenses, so the state-owned enterprises usually pay more social security funds, and the salary of state-owned employees after retirement is relatively higher. Pension insurance benefits after retirement.

It consists of two parts: pension insurance = pension pension personal account pension insurance, personal account pension insurance = personal account storage amount Number of months.

The number of months is calculated according to the retirement age.

Population and life expectancy in that year.

to decide. Pension = average monthly income of employees in our province in the previous year (1 average contribution index.

2 1% of the payment period.

The commitment to withdraw the deposit method is that the enterprise withdraws a certain amount of retirement ** every year in accordance with the relevant provisions of the retirement method, and submits it to the trust institution for deposit and application, and when the employee retires, the retirement ** attributable to the employee will be paid to the retired employee. Generally, the annual budget quota is withdrawn according to a certain proportion of the employee's salary (such as 5% of the salary), and the pension that the employee needs to be able to pay when he retires lies in the amount of the deposit and the interest accrued, and the company does not guarantee the amount of pension payment.

The difference between the pension of private enterprises and the pension of state-owned enterprises in China is how much the payment base of the two is, the state-owned enterprises are generally higher than the average base of social development, and the private enterprises are paid according to the minimum base of social security, so that after the final retirement, there will be a difference in the salary of the two, and the retirement salary of the general state-owned enterprises is higher than that of the personnel of private enterprises. There are also many types of pension payments.

In the case of private enterprises, if you are retired, you can get a salary of about 3,000 or 4,000 yuan per month, and there are a lot of private enterprises, but there will be very few state-owned enterprises.

Theoretically speaking, whether it is a state-owned enterprise or a private enterprise, it has nothing to do with the amount of pension. Because the amount of pension depends on the cumulative payment period, the average contribution index and the average social wage in the region, that is, the longer the payment period, the higher the contribution index, the higher the pension treatment, which has nothing to do with the nature of state-owned enterprises and private enterprises.

However, in fact, state-owned enterprises will basically handle enterprise annuities for employees as a supplement to basic pension insurance; However, most private enterprises do not apply for enterprise annuities for their employees, so employees of state-owned enterprises will also receive an extra pension than retired employees of private enterprises after retirement. As a result, the pensions of employees of state-owned enterprises are generally higher than those of employees of private enterprises.

How much pension can be taken is related to the level and length of service at the time of retirement, most people think that state-owned enterprises get more pension, but in fact, many private enterprises treat retired employees better.

If a private enterprise has paid pension insurance for its employees in accordance with the law, it is a pension for the nucleus. When an employee reaches the statutory retirement age, he or she can receive a monthly pension if he or she has paid contributions with the enterprise for 15 years; If you do not meet the above conditions, you will not be able to receive a pension for the time being.

[Legal basis].

Article 15 of the Social Insurance Law of the People's Republic of China.

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.

Article 16. Individuals who participate in the basic pension insurance and 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.

When we retire in the future, our pension is related to the contribution base and the number of years of contributions, as well as the local average salary. The higher the contribution base, the more years of payment, and the higher the local average salary, then the more pension we will have.

Therefore, we have to pay as long as possible, so that the pension will be more at that time. Under normal circumstances, when an employee of a corporate company retires, his pension is about 65% of what he was working for. If you have a senior title, there should also be various allowances.

So we don't usually dwell on how much we can get in retirement. As long as we pay more and pay for a long time, then our pension will be more.

In short, we must participate in social security, this is a good policy, as long as we pay social security, then our retirement life is guaranteed. If you have a lot of money, you can also pay for commercial insurance. In this way, there will be more income at that time, which can improve our quality of life.

It depends on the amount of your contributions, the number of years you have paid, the level of the local economy, and the social security regardless of the company.

Yes, there is also a pension for working in the private sector before retirement. The pension is not related to the employee's previous employment in a state-owned enterprise or private enterprise. As long as you participate in the endowment insurance in accordance with the law, you will have a pension after retirement, and there will be no pension if you do not pay social security.

In accordance with the law, the state implements a social insurance system for the retirement and pension of employees of private enterprises. Enterprises shall pay retirement pensions on a monthly basis to the Social Insurance Administration Bureau under the local labor administrative department at a rate of about 15 percent of the total wages of their employees and no more than 3/100 percent of their own wages. The retirement pension** paid by the enterprise is paid before the income tax is paid.

After the employee retires, the social insurance institution shall determine the pension standard according to the amount and number of years of the retirement pension, and pay it on a monthly basis.

Article 20 of the Interim Provisions on the Labor Administration of Private Enterprises.

The above is only the current information combined with my understanding of the law, please refer to it carefully!

If you still have questions about this issue, it is recommended that you sort out the relevant information and communicate with the professional Xun Peishi in detail.

1. Regardless of whether it is a private enterprise, a state-owned enterprise or a foreign enterprise, the retirement age is the same: 60 years old for men, 50 years old for female workers, and 55 years old for management and technical positions.

2. In the same city, the pension calculation and payment method is the same, and there is no difference.

3. Those who are over 60 years old cannot participate in social security; Female workers over the age of 50 are also not eligible for social security.

4. The continuous length of service before the establishment of the local endowment insurance individual system shall be regarded as the payment period after being recognized by the social security department.

5. After the establishment of the individual pension insurance system, the payment of one month's social security is counted as one month's payment period, which is regarded as the payment period + payment period = all payment years.

6. The Social Security Law stipulates that the total number of years of payment shall be at least 15 years, and retirement can only be achieved when the age is reached.

7. If the employee exceeds the statutory retirement age and does not meet the retirement conditions, the unit may no longer hire the employee.

Legal Analysis: Private companies have pensions. Employees shall participate in the basic endowment insurance, and the employer and the employee shall jointly pay the basic endowment insurance premiums.

Individually-owned businesses without employees, part-time employees who do not participate in the basic pension insurance at the employer, and other flexibly employed persons may participate in the basic pension insurance, and the basic pension insurance premiums shall be paid by the individual.

Legal basis: Article 10 of the Social Insurance Law of the People's Republic of China stipulates that employees shall participate in the basic endowment insurance, and the employer and the employee shall jointly pay the basic endowment insurance premiums. Individually-owned businesses without employees, part-time employees who do not participate in the basic endowment insurance in the employer, and other flexibly employed persons can participate in the basic endowment insurance, and the individual shall pay the basic first-time pension insurance premium.

The method of pension insurance for civil servants and staff managed with reference to the Civil Servants Law shall be prescribed by ***.

Article 16 Individuals participating in the basic old-age insurance who have paid contributions for 15 years or more when they reach the statutory retirement age shall receive the basic old-age 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.

There is a retirement pay for private enterprise retirement. As long as the cumulative social security payment reaches 15 years before reaching the retirement age, you can receive the recommended salary, regardless of whether you are in a private enterprise or a state-owned enterprise.

Legal basis] Article 2 of the Interim Measures on the Retirement and Dismissal of Workers.

After the worker's retirement, the following monthly retirement allowance is paid until his death.

1) Those who meet the requirements of Article 1 (1), (2) and (3) and participate in revolutionary work during the War of Resistance Against Japanese Aggression shall be paid 90 percent of their standard salary. Those who participated in revolutionary work during the War of Liberation were paid 80 percent of their standard salary. Those who have participated in revolutionary work after the founding of the People's Republic of China and have worked continuously for 20 years or more shall be paid 75 percent of their standard salary; Those who have worked continuously for 15 years but less than 20 years shall be paid 70% of their standard salary; Those who have worked continuously for 10 years but less than 15 years shall be paid 60% of their standard salary.

If the retirement allowance is less than 25 yuan, it shall be paid at 25 yuan.

If you still have questions about this issue, it is recommended that you organize the relevant information and communicate with a professional in detail.