What is the minimum pension?

For example, the payment base is 4,000 yuan, the payment index is 0.6, and the average salary of employees is 6,667 yuan, which is paid according to the lowest grade 15 years. Male, 60 years old retirement benefits:

Basic pension: (6667 6667* payment index 0.6)÷2* payment period 15* 1%=800 yuan.

Personal account pension: 4000*8%* 12* payment period 15/ calculated months 139=4 15 yuan.

Then it can be calculated that the pension is about 800,465,438+05 = 65,438+0,265,438+05 yuan per month.

Considering that the personal account pension has interest and the annual payment base is slightly increased, theoretically, the actual pension will be slightly higher than 12 15 yuan.

Social insurance refers to a social and economic system that provides income or compensation for people who lose their ability to work, are temporarily unemployed or suffer losses due to health reasons. The main items of social insurance include endowment insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance.

The social insurance plan is organized by the government, forcing a certain group to use part of its income as social insurance tax (fee) to form a social insurance fund. Under certain conditions, the insured can get fixed income or loss compensation from the fund. It is a redistribution system, and its goal is to ensure the reproduction of material and labor and social stability.

In China, social insurance is an important part of the social security system, occupying a core position in the whole social security system. In addition, social insurance is a contributory social security. The funds are mainly paid by employers and workers themselves, and the government finances give subsidies and bear the ultimate responsibility. However, workers can only enjoy the corresponding social insurance benefits if they fulfill their statutory payment obligations and meet the statutory conditions.

trait

Features 1: the objective basis of social insurance is the risks existing in the labor field, and the object of insurance is the workers themselves;

Feature 2: The subject of social insurance is specific. Including workers (including their relatives) and employers;

Feature 3: Social insurance is compulsory;

Feature 4: the purpose of social insurance is to maintain the reproduction of labor force;

Feature 5: The insurance fund comes from the contributions and financial support of employers and workers. Insurance coverage is limited to employees, excluding other social members. The insurance coverage is limited to all kinds of risks in labor risks, excluding other risks such as property and economy.

function

1. The function of stabilizing social life

2. The function of redistribution

3. The function of promoting social and economic development: First, the social insurance system plays an important role as an important tool for demand management, thus playing an active role in the economy; Second, the effective use of social insurance funds can promote the sustained prosperity of the economy; Third, social security has become the basic condition for enterprises to recruit talents.

In reality, the more developed areas, the more employees pay attention to social security. Especially in first-tier cities, social security has become an important criterion for finding a job because it is linked to the qualification of buying a house and a car.