Pension standard in Chenzhou City, Hunan Province

How much can Chenzhou pension receive every month in 2022? Let's take a brief look at the contribution ratio of Chenzhou's endowment insurance.

First, the proportion of endowment insurance payment in Chenzhou City

Generally speaking, if the wages paid by employees are higher than 300% of the average social wage in the previous year in the provinces and cities where they are located, 300% of the average social wage in the previous year will be used as the payment base; If the wages paid by employees are lower than 40% of the average social wage in the previous year in the provinces and cities where the wages are located, 40% of the average social wage in Shanghai will be used as the payment base. (The calculation ratio of the highest and lowest payment bases in different cities may be different, and the calculation ratio and base published by Shanghai Human Resources and Social Security Bureau shall prevail. ) Generally, there are the following remittance base ratios for reference;

Employees of employer: 14% of employer and 8% of individual.

Individual economic organization: unit 12%, individual 8%

Flexible employees: individuals 20%

Staff of government agencies and institutions: 16% units, 8% individuals.

Urban and rural residents: The annual payment standard is divided into seven grades: the first grade 360 yuan, the second grade 600 yuan, the third grade 900 yuan, the fourth grade 1200 yuan, the fifth grade 1800 yuan, the sixth grade 3,600 yuan and the seventh grade 4,800 yuan. The insured person chooses one of the grades to pay fees independently, which will remain unchanged in principle within a natural year.

Second, how much can Chenzhou pension get?

Pension consists of basic pension and personal account pension. The higher the payment base, the higher the related parameter "average wage index" for calculating the basic pension, and the higher the corresponding basic pension; Personal accounts are gradually accumulated through payment over the years, and the accumulated amount of personal accounts is an integral part of calculating pensions. The employee shall pay 8% of his salary, which shall be included in his personal account. The higher the payment base, the more money will be transferred to personal accounts in proportion, the more savings will be accumulated and the higher the pension will be; On the contrary, the pension is low.

How much can Chenzhou old-age insurance receive in a month?

(1) monthly basic pension = basic pension+personal account pension

Among them, the basic pension = (average monthly salary of employees in the province last year+average monthly payment salary) /2* payment period * 1%= average monthly salary of employees in the province last year (1+ average monthly payment index) /2* payment period * 1%.

My average contribution wage index =(a 1/Al+a2/AZ+. . . +an/An)/N

In the formula, a 1, a2. . . Anzhi 1 year, 2 years before the insured retires. . . . . . . I get paid in n years; A 1, A2 ... 0 years and 2 years before the insured retires. . . . . Average annual wage of local workers. N years; N is the number of years that enterprises and employees actually pay the basic old-age insurance premium.

(2) Personal account pension = total amount of personal account storage/number of months.

For example, in 20 10, a male employee retired at the age of 60, and the average monthly salary of local employees in the previous year was 3566 yuan. When the cumulative payment period is 15 years, the personal account has 50,000 yuan, and my average payment index is 0.6. Then, his basic pension =(3566 yuan +3566 yuan * 0.6)+2 *15 *1%= 427.92 yuan. His personal account pension =50000 yuan/139=359.79 yuan; Taken together, his monthly basic pension is 427.92 yuan +359.79 yuan = 787.438 yuan +0 yuan.

1, pension = basic pension+personal account pension

2, personal account pension = personal account storage amount ÷ months (the number of months is 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, 50 years old is 195, 55 years old is 170, and 60 years old is 139.

3. Basic pension = (average monthly salary of employees in the province last year+average monthly payment salary indexed by myself) ÷2× payment period × 1%= average monthly salary of employees in the province last year (1+ average payment index by myself) ÷2× payment period × 1%.

4. In the formula: my indexed monthly average payment salary = the average monthly salary of employees in the whole province in the previous year × my average payment index.