How many grades is the payment of social security? How do you know which gear you belong to?

It is true that there are three levels of endowment insurance: high, medium and low, but these levels are sensitive and changeable.

The first thing to know is that pension insurance has an upper and lower limit of the payment base.

According to the comprehensive implementation plan of reducing social insurance premium rate in 20 19, it is understood that from May 20 19, the payment base of endowment insurance in various places will be unified as the average social wage of all provinces, municipalities and autonomous regions. The upper and lower limits of the payment base are generally approved according to 60%~300%.

For example, in 2020, the average social wage in Shandong Province is 6243 yuan, the lower limit of 60% contribution base is 3746 yuan, and the upper limit of 300% contribution base is 18726 yuan.

In fact, the so-called high, middle and low grades are also based on the concept of this level in the past. In the past, like Qingdao, the old-age insurance payment was divided into three grades, 60%, 80% and 100%, corresponding to low, medium and high grades respectively.

According to national regulations, in practice, sensitive employees can arbitrarily choose a sum of money from 60%-300% of the payment base as their own payment base.

Pay attention to the fact that enterprise employees can't choose the payment base at will. The payment base of enterprise employees should be based on the monthly average of the total wages of employees in the previous year. Employees of enterprises also have no right to pay or not to pay, and the state stipulates that social insurance must be paid.

Sensitive employees are responsible for all social insurance premiums, and the general payment ratio is 20%. And enterprise employees are shared by employees and employers. Employees themselves bear 8% of the payment base, employers bear 16%, and individual regions such as Guangdong and Zhejiang bear 14%.

When calculating the pension, we don't calculate it according to the level of contribution. But in detail to each payment value. For example, retirement pension is calculated according to basic pension and personal account pension.

The values related to basic pension and payment base are unified payment index. The payment index is simply the sum of all monthly payment bases in a certain payment year divided by the pension calculation base of that year. For example, we pay according to the base of 10000 yuan, assuming that we pay 12 months in that year, then the total payment base is 12000 yuan. The social security payment base in that year was 90,000 yuan, so the payment index in that year was 1.3333. Suppose our payment base is 9500 yuan. The sum of individual payment base becomes11.4000 yuan, and the payment index becomes 1.2667. The unified payment index is the unified value of the payment index.

As for personal account pension, the performance is more obvious. After monthly payment, 8% of the personal payment base will be deposited into the personal account. For example, the payment base of 1 000 yuan will be credited to 800 yuan's personal account every month. The payment base is 9999 yuan, and the personal account is 799.2 yuan per month.

Therefore, different payment bases will lead to different pensions. Try to pay a higher base, so that the pension will be higher. If the unit does not pay employees according to the real base, workers can defend their rights.