In 2022, the minimum payment base of Jiangsu social security will increase by 4250 yuan.

In 2022, the minimum payment base of Jiangsu social security will increase by 4250 yuan. Is it necessary to take out insurance? Take a look at the latest related information with me.

165438+1The upper and lower limits of the payment base of endowment insurance in Jiangsu Province in 2022 at the end of October. In 2022, the lower limit of Jiangsu social security payment base will be raised from 3,800 yuan to 4,250 yuan, and the upper limit will be temporarily implemented at 2 182 1 yuan. Many people may lament that the payment base has increased a lot of money, especially the minimum payment base has increased in 450 yuan. Flexible employees are paid at the rate of 20%, and the monthly endowment insurance premium paid by flexible employees is increased by 90 yuan, one year 1080 yuan. If it is an enterprise, the total cost will increase by 108 yuan per month (individual 36 yuan, unit 72 yuan).

First, the earlier the endowment insurance is paid, the more money will be saved.

In fact, 4250 yuan is the lower limit of the payment base calculated according to the previous wage increase, and it is a transitional base lower than the lower limit of 60% payment base. According to the proportion of 60%, it will cost about 4500 yuan. Due to the impact of last year's epidemic, we have not adjusted the lower limit of the payment base of endowment insurance in 2020, so we must return to 60% of the average social wage last year through a transition period of two to three years. Jiangsu province adopts a three-year transition mode.

With the passage of time, the average social wage in China has been rising, with an annual growth rate of more than 8% ~ 10%. If we don't pay now, the burden of paying will be heavier in the future. Now the deposit interest rate of banks and the yield of government bonds are getting lower and lower. Can you save your own money and manage your finances, and the annual rate of return can reach 8%~ 10%?

In addition, although retirement is now a contribution of 15 years of old-age insurance, you can receive a monthly pension at retirement age, but it may not be necessary in the future. Because of Ministry of Human Resources and Social Security, in addition to delaying retirement, the plan also raised the minimum payment period for receiving pension. The later the payment, the more difficult it is.