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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.
Therefore, you can choose to make up or not, as long as you pay a minimum of 15 years.
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.
In addition, the calculation method of pension - the formula is more abstract, let me give you an example!
Your salary this year is 5,500 yuan, the average salary in Jinan is 2,200 yuan, and after 30 years (I don't know how old the landlord is this year?) The present value of the average wage in Jinan = 2200 * (to the 30th power) divided by (to the 30th power) = 4970 yuan, which is about 5000 yuan. where the GDP growth rate, the inflation rate.
5000 yuan future average salary 15% 5500 yuan 20% 12 months 30 years (should be multiplied by interest, but we don't count the interest first, so that the future money gets the current value) 360 months (the average life expectancy in Jinan in the future is 90 years old, and there are 360 months on average after retirement.) Previously it was divided by 120 because the average age was 70, but now it is increased to 90 years old, which is not good for pensioners!! 750 + 1100 = 1850 yuan (equivalent to 1850 yuan in present value, or 1850 * yuan in 30 years).
In other words, after 30 years, the monthly salary will be about 6,000 yuan, and its purchasing power is equivalent to 1,850 yuan now.
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Summary. Hello dear, happy to answer your <>
The retirement salary of regular employees of China Railway is about 4,000, and the retirement salary is to reach the statutory retirement age, and the cumulative payment period is 10 or 15 years and above, and the basic pension is calculated and paid according to the following methods: monthly basic pension = basic pension personal account pension.
Retirement salary of regular employees of China Railway.
Hello, dear, I am glad to answer your <> for you
China Railway officially pretends to be a retirement salary of about 4,000 employees, and the retirement salary is to reach the statutory retirement age, and the cumulative payment period is 10 or 15 years and above, and the basic pension is calculated and paid according to the following methods: monthly basic pension = basic pension and personal account pension.
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The retirement salary is about 4,000, and the retirement salary is to reach the statutory retirement age, and the cumulative payment period is 10 or 15 years and above, and the basic pension is calculated and paid according to the following methods: monthly basic pension = basic pension personal account pension. Personal account pension = the amount of personal account savings at the time of retirement The number of months corresponding to the retirement age of the person.
Add the two together. For railway employees, the social security payment grade is paid according to 100% of the grade, and such a payment grade is basically not lower than that of most government agencies, institutions and civil servants. Since the payment grade is high, the pension after retirement will naturally be much higher.
There is another important reason, that is, railway employees have a more formal welfare, that is, the enterprise annuity waiting to be seen. Enterprise annuity is equal to an auxiliary type of pension insurance, which is also a major reason for the high pension. It can be seen that if it is a retired railway employee, most pensions will not be less than 5,000 yuan.
But listening to this relative, the railway pension is a sub-sector of the sail and the ante. Some departments are relatively lower, but the overall amount will not be less than 4,000 yuan under normal circumstances. This refers to regular employees, temporary workers, or large or small collectives before, and generally not so much.
Therefore, now the railway unit has also become a veritable "iron rice bowl", not only the salary is high when on the job, the treatment is good, and the retirement pension is also considerable.
Pension = basic pension + personal account pension.
Personal account pension = personal account savings 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) x 12. At present, 50 years old is 139 years old, and it is no longer unified to 120). >>>More
At present, the state stipulates that the retirement age is 60 years old for men, 50 years old for women, and 55 years old for female cadres.
According to the payment period, the payment base over the years, and the local social level calculation at that time, the formula is very complicated. The specific calculation method is as follows: 1. Basic pension = (the average monthly salary of the province's 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 The payment period is 1%. >>>More
The social security pension is divided into three parts, which are calculated as follows: >>>More
The policy of revising the retirement age has not been made public by the Ministry of Human Resources and Social Security for several years, and it will be publicly solicited for comments in 2018 at the earliest (how to be revised by a referendum), revised and officially released in 2019, and will be implemented at least 5 years after the release (2024). >>>More