Should I buy 17 20-year old-age insurance? I come from Hangzhou.

With the arrival of 20 17, the news of pension increase has become the focus of many people's attention. It is said that the increase of pension has been determined.

According to Ministry of Human Resources and Social Security, the pension increase of 20 16 has been completed, and the replacement has been basically put in place. This year's pension increase has benefited more than 6,543.8 billion retirees nationwide. In addition to the increase in pensions, some areas have also increased the endowment insurance for urban and rural residents.

With the development of China's economy, considering the actual price level, it is necessary to further improve the pension level in the future. Ministry of Human Resources and Social Security also recently announced that it will further increase the pension in 20 17. But the specific scope has not been discussed and discussed. Moreover, the level of economic development in different places is different, and Ministry of Human Resources and Social Security has just drawn a line, and there is still room for independent improvement in various places.

If the pension is really raised next year, how much will it be raised? Some experts said that the pension is expected to increase by 6. About 5%, less than 6. 5% is more likely.

Yin Weimin, Minister of Ministry of Human Resources and Social Security, said on 28th that in 20 16 years, China realized the synchronous adjustment of pension benefits for enterprises, institutions and institutions, and the adjusted pension has been ensured to be paid in place, benefiting 6,543.8+billion retirees.

In addition to the increase in pensions, the state also attaches great importance to the quality of old-age care. The State Council Municipal Government issued "Several Opinions on Fully Liberalizing the Aged Care Service Market and Improving the Quality of Aged Care Service", and China will fully liberalize the aged care service market.

The Opinions always put forward several tasks, such as fully liberalizing the old-age service market, vigorously improving the quality of old-age life in home communities, fully building a high-quality old-age service supply system, effectively strengthening policy support capabilities, and strengthening supervision and organization and implementation, to ensure that the Opinions are implemented. Among them, the liberalization of access conditions, financial services, smart pension, and upgrading of pension products and supplies are the four most concerned by the market.

According to the latest pension calculation method, employees' pension consists of two parts:

Pension = basic pension+personal account pension.

1, personal account pension = personal account storage ÷ calculation months The calculation months are determined according to the retirement age and the average life expectancy of the population at that time. Calculated months are slightly equal to (average life expectancy-retirement age) X 12. At present, the age of 50 is 195, the age of 55 is 170, and the age of 60 is 139, which is no longer unified.

2. Basic pension = (average monthly salary of employees in Zhejiang Province last year+average monthly payment salary) ÷2× payment period × 1%= average monthly salary of employees in Zhejiang Province last year (1+ average payment index) ÷2× payment period × 1%.

(1) My indexed monthly average payment salary = last year's average monthly salary of employees in Zhejiang Province × my average payment index.

(2) The average contribution index means that your contribution base in the previous year was 1000, and the average social wage in that year was 2000, so your index in that year was 0. 5. Calculate the annual average.

Salary increase standard for retirees in Guangdong Province from 2065438 to 2007;

In 20 12 years, the average monthly salary of workers in Zhejiang province is 334 1 yuan; Suppose someone's social security contribution base is 4000 yuan (the average contribution index is 1). 2=4000/334 1), when he retires at the age of 60, he has paid social security for 37 years, and the accumulated deposit in his personal account is 100000 yuan. So the pension he got when he retired:

In order to ensure the basic livelihood of enterprise retirees and enjoy the fruits of social development, according to the spirit of the Notice of the Ministry of Finance of Ministry of Human Resources and Social Security on Adjusting the Basic Pension for Enterprise Retirees in 20 15 years (Ministry of Human Resources and Social Security Fa [2065438+04] No.7), with the consent of the Zhejiang Provincial Government, we decided to appropriately adjust the basic pension for enterprise retirees. The relevant matters are hereby notified as follows, please follow them.

The latest news of pension increase scheme for retirees in Zhejiang Province 20 15-20 16.

This time, Zhejiang generally adjusted the basic pension and implemented the "double hook" method.

Among enterprises (including industrial units) in Zhejiang Province, those who retired before 20 13, 12, 3 1 and those who retired according to regulations, as well as those who retired according to Guofa [1978] 14 and Zhejiang Labor Insurance [/kloc-0]

Adjustment level and adjustment method

In 20 15 years, the basic pension adjustment of enterprise retirees (retired) will continue to adopt the method of combining general adjustment with appropriate inclination, and on the basis of general adjustment of basic pension, the adjustment level of enterprise senior retirees will be appropriately improved. Specific adjustment measures are as follows:

1, generally adjust the basic pension for retired (retired) personnel.

We will generally adjust the basic pension and implement the "double hook". It consists of two parts:

The first part determines the adjustment standard according to the monthly per capita quota 120 yuan, and the average wage level, economic and social development level and average pension level of employees in each city in 20 12 years. The specific adjustment standards are as follows: Hangzhou 123 yuan, Ningbo 123 yuan, Wenzhou19 yuan, Huzhou1/9 yuan, Jiaxing 1 19 yuan and Shaoxing. Quzhou 1 15 yuan, Zhoushan1/9 yuan, Taizhou1/9 yuan, Lishui 1 15 yuan.

The standard for enterprise retirees insured in Zhejiang Social Insurance Management Center is 123 yuan.

Retirees in the province are adjusted according to the standard of 100 yuan per person per month.

In the second part, retired (retired) personnel determine the adjustment standard according to the length of their payment years (including deemed payment years, the same below). The specific standard is: every full 1 year (less than 1 year is calculated as 1 year), the basic pension 5 yuan will be increased every month.

2. Appropriately increase the basic pension for some retired (retired) personnel.

On the basis of general adjustment, the following retired (retired) personnel will be appropriately issued with basic pensions:

1。 1953 65438+February 3 1 retired (retired) personnel who have worked before and paid for 30 years or more will be sent to 70 yuan every month; If the payment period is over 20 years and less than 30 years, each person will issue additional 60 yuan every month; If the payment period is less than 20 years, the 50 yuan will be increased per person per month.

1953 12 3 1 retired people who used to work refer to those who used to take part in revolutionary work before 1953 12 or calculated their continuous service according to national and provincial regulations.

2。 Before 20 13, 12, and 3 1, retired (retired) personnel who have reached the age of 70 for men and 65 for women will be issued additional 30 yuan every month.

At the same time, those who meet the above conditions for issuing basic pensions can enjoy them repeatedly.

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