How to calculate self-endowment insurance

Social endowment insurance is divided into two situations:

1, payment method of endowment insurance for urban employees (employees with formal work units)

Personal account: 8% of the basic salary of the individual (paid by the individual and inherited with interest)

Overall account: 20% of the average salary of the unit (unit cost)

2, flexible employment pension insurance payment method (no unit staff)

20% of the average wage income of employees in the previous year was paid by individuals.

Among them, 8% went into personal account and 12% went into social pooling account.

Acceptance conditions:

1, men reach 60 years old and women 55 years old.

2. The payment time is greater than or equal to 15 years (funds less than 15 years in personal accounts will be refunded when they retire).

3. Being alive in the world is the acceptance condition.

Collection method:

Total personal account/139+ 20% of the average salary of the previous year+government subsidy (you must pay for retirement to enjoy government subsidy).

For those who have no unit, if the payer does not meet the conditions for receiving, 0/2% of the overall account fund/kloc-will be confiscated, and only 8% of the funds in the personal account will be returned, so it is not cost-effective for those who have no unit to pay social security!

Having said that, you've handed it in for so many years, so hand it in! There is a basic guarantee for getting old like this. And indeed, as upstairs said, the more you pay, the more you gain. How to grasp it is up to you! I personally give you a suggestion. If the funds are not very tight, you can consider buying some commercial insurance as a supplement. Many commercial old-age insurances are good.

As for how much you can get in the future, I'll give you a formula. You can solve it yourself. You have paid the old-age insurance 15 years and reached the statutory retirement age, so you can enjoy the old-age insurance benefits:

For example:

If you retire in 2020, under normal circumstances, your basic pension is 2065438+the average social wage in 2009 × 20%, but if your pension insurance is interrupted for 30 months before retirement, it will be interrupted for 2.5 years. According to two years, your basic pension is 2065438+the average social wage in 2007 × 20%.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.