Do I have to pay 15 years of social security to get a pension?

After paying social security 15 years, you can get 1604.82 yuan every month after retirement, which is equivalent to 19257.84 yuan a year. I paid 55,545.60 yuan myself, and the company paid 65,438+038,864.00 yuan, which added up to nearly 200,000 yuan. I can get 19257.84 yuan a year after I retire, and the rate of return is not bad.

Calculation formula of five risks:

Monthly pension = monthly basic pension+monthly personal account pension

1, monthly basic pension = the average monthly salary of all employees in the province in the previous year+my indexed monthly average payment salary /2* payment period * 1%.

2. Personal account pension = personal account balance/calculation months: 50 years old 195, 55 years old 170, 60 years old 139.

In fact, social security payment 15 is not continuous payment 15, but cumulative payment 15, so users can receive their own pension after cumulative payment 15. However, it should be reminded that when we pay social security, the social security paid by different regions will not be calculated at the same time. We need to transfer our social security contributions to the same area in order to calculate the payment period of our social security.

Although it is not necessary to pay the pension for 15 years continuously, if the social security is interrupted, it is best to stop paying for no more than three months. Once the social security is interrupted for three months, it will have a great impact on our own medical insurance use.

Generally, once the payment of social security is stopped for more than three months, the payment period of medical insurance will start to be calculated again. If the payment of medical insurance is stopped for more than three months, you can't enjoy medical insurance after the social security begins to pay, and you need to pay it continuously for at least six months before you can reimburse it with medical insurance.