How to calculate social security pension

Legal analysis: social security pension = basic pension+personal account pension, the specific amount depends on the payment base. Reach the retirement age stipulated by the state, and the accumulated payment period exceeds 15 years. Note: The basic pension is adjusted in July every year according to the unified plan announced by the whole province. Personal account partial pension = personal account amount/months. 1. Part of the amount of personal account: 40% paid by oneself will go into this account and 60% will go into the overall account. This data is recorded in the file every year. 2. Monthly calculation: refers to the number of months that the pension may be paid according to the average life expectancy of the population. Generally, men retire at 60, divided by 139, and women retire at 55, divided by 170. There is a special table, such as 50-year-old retirement divided by 195 and 65-year-old retirement divided by 10 1. Pension conditions. Individuals who participate in the basic old-age insurance can receive the basic old-age pension on a monthly basis if they have paid 15 years when they reach the statutory retirement age. In other words, employees participating in endowment insurance must meet two conditions to receive pension:

First, reach the statutory retirement age; Second, the accumulated endowment insurance premium has reached 15 years. According to the relevant regulations, the legal retirement age of employees in Chinese enterprises is: 60 years for men, 50 years for women employees and 55 years for women cadres. Engaged in underground, high altitude, high temperature, particularly heavy manual labor or other jobs harmful to health (hereinafter referred to as special jobs), the retirement age is 55 years old for men and 45 years old for women; Disabled due to illness or non-work-related, the retirement age is 55 years old for men and 45 years old for women, which is certified by the hospital and confirmed by the labor appraisal committee.

Different industries and different people are different, so we should distinguish them.

Legal basis: Article 12 of the Social Insurance Law of People's Republic of China (PRC), the employing unit shall pay the basic old-age insurance premium in proportion to the total wages of its employees as stipulated by the state and record it in the basic old-age insurance pooling fund.

Employees shall pay the basic old-age insurance premium in accordance with the proportion of wages stipulated by the state and record it in their personal accounts.

Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employing unit and other flexible employees who have participated in the basic old-age insurance shall pay the basic old-age insurance premiums in accordance with state regulations and record them in the basic old-age insurance pooling fund and individual accounts respectively.