Chaozhou Social Security 1995

After the laborer reaches the legal retirement age and goes through the retirement formalities, if the insured individual reaches the prescribed age and goes through the formalities for receiving the basic pension, he will receive the basic pension on a monthly basis from the next month.

From June 65438+ 10/June 2006, the basic pension will be calculated and paid in the following way:

(a) 65438+65438 in 0996+ 1 year 10 month and later, the payment period (including deemed payment period, the same below) accumulated over 15 years and above, the basic pension is calculated and paid according to the following methods:

Monthly basic pension = basic pension+personal account pension

1. basic pension = (average monthly salary of employees in the whole province in the previous year+average monthly payment salary of myself at the time of retirement) ÷2× accumulated payment years × 1%.

In which: my indexed monthly average contribution wage = the average monthly salary of employees in the whole province in the previous year when I retired × the average contribution wage index.

The average payment wage index is determined according to the average ratio of my last year's payment wage and the average wage of employees in the whole province from 10 to the year of retirement 1996 1 (the payment wage index for 2005 and previous years is still calculated and sealed according to the original regulations). The calculation formula is:

N average index =(X 1/C 1+X2/C2+? +Xn/Cn)÷N

X-the salary I paid in the current year;

C-c-the average wage of employees in the whole province before and in 2005, and the average wage of employees in the last year of the whole province since 2006;

N— my payment period (1996 65438+ 10/month, actual payment period from now to retirement).

2. Personal account pension = the amount of personal account storage at retirement ÷ the number of months corresponding to my retirement age.

In which: personal account pension monthly statement (attached table Guo Fa [2005] No.38)

Retirement age months, retirement age months, retirement age months.

40 years old 2335 1 year old 19062 years old 125

4 1 23052 years old 18563 years old 1 17

42 years old, 22653 years old 18064 years old 109.

43 years old, 22354 years old 17565 years old 10 1

44 years old 22055 years old 17066 years old 93

45 years old 2 1656 years old 16467 years old 84

46 years old 2 1257 years old 15868 years old 75

47 years old 20858 years old 15269 years old 65

48 years old 20459 years old 14570 years old 56

49 years old 19960 years old 139

50 years old 1956 1 year old 132

If you reach retirement age but the accumulated contributions are less than 15 years, no basic pension will be issued; The amount stored in the personal account is paid to me in one lump sum, the actual payment period is 1 year, and then the average monthly payment salary is 1 month, and the basic old-age insurance relationship is terminated.

(2) For employees who have worked on or before the date of 1995, 12, 3 1 and have accumulated payment years of 15 years or more, the basic pension shall be calculated and paid according to the following methods:

Monthly basic pension = basic pension+personal account pension+transitional pension+adjustment fund

1. basic pension = (average monthly salary of employees in the whole province in the previous year+average monthly payment salary of myself at the time of retirement) ÷2× accumulated payment years × 1%.

In which: my indexed monthly average contribution wage = the average monthly salary of employees in the whole province in the previous year when I retired × the average contribution wage index.

The average payment wage index is determined by the average ratio of my last year's payment wage and 1990 65438+ 10/to the average wage of employees in the whole province in the year of retirement (the payment wage index for 2005 and previous years is still calculated and sealed according to the original regulations). The calculation formula is the same as item (1) in this article, where the payment period of n is 0990 1 October 65438+65438 and the actual payment period from then on to retirement.

2. Personal account pension = the amount of personal account storage at retirement ÷ the number of months corresponding to my retirement age.

Generally speaking, more work, more pay, there will be a certain increase every day.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.