How much can Shenzhen social security receive in one month in 2022?

According to public information, on October 5, 2022/kloc-0, Shenzhen announced that the calculation base of the basic pension for employees in 2022 was 10795 yuan/month. At the same time, the calculation and payment base of the basic pension for employees of public institutions in Shenzhen is implemented according to the calculation and payment base of the same period in the whole province.

At present, the pension base of Guangdong Province in 2022 is 8682 yuan, which is about 4.2% higher than that of Guangdong Province in 202 1.

Compared with 202 1 pension base 10360 yuan, Shenzhen's pension base increased by about 4.2% in 2022, slightly higher than the overall increase of 4% in 2022.

Although the higher the pension base, the higher the pension benefits of retirees in the corresponding areas, but the pension base is only an indicator of the average social wage in this area, then what conditions need to be met to obtain the same level of pension as the pension base?

It should be noted that the pension calculation and payment base is an important indicator for approving the pension benefits of employees, and the steady increase of the pension calculation and payment base year by year is conducive to maintaining and increasing the value of pensions for retired employees, thus offsetting the influencing factors brought about by inflation.

If employees participate in social insurance according to the payment grade of 100% and pay for 40 years year by year, how much pension can they receive?

According to the current standards for the verification of pension benefits, regardless of the impact of transitional pensions, the verification of pension benefits for retired employees mainly includes two aspects:

First, personal account pension. If a retiree retires at the age of 60 according to the grade of 1.000% of the pension calculation base of the current year, the corresponding monthly pension payment in personal account is about:10795 * 0.08 *12 * 40+05438.

Second, the basic pension. If retirees pay according to the grade of 100% of the annual pension calculation base, the basic pension will increase by 1% every month, and the monthly amount of the basic pension will be about: 10795 * 0.0 1 * 40 = 40.

According to the above situation, if employees of enterprises in Shenzhen participate in social insurance according to the pension calculation and payment base in 2022 and pay for 40 years year by year, the corresponding monthly basic pension for employees is about 2983+43 18=730 1 yuan, which is only 67.63% of the pension calculation and payment base in 2022.

If you want to reach the same pension level as the annual pension calculation base and participate in social insurance for 40 years, what kind of payment level do you need to reach?

Taking the above calculation as a reference, if the pension of retired employees wants to reach the same level as the pension calculation base of the current year, then the contribution index of participating in social insurance should at least reach 1.67, which means that the contribution base of employees participating in social insurance in this area should at least reach 17992 yuan.

Among them, the monthly amount of personal account pension is about17992 * 0.08 *12 * 40 ÷139 = 4971yuan.

The monthly basic pension is about:10795 * (1+1.67) ÷ 2 * 0.01* 40 = 5765 yuan.

Then the basic pension that the employee can receive every month is about: 497 1+5765 = 10736 yuan.

Flexible employees who participate in employee pension insurance need to pay about17992 * 0.2 = 3,598.4 yuan per month, and about 3,598.4 *12 = 43180.8 yuan for the whole year.

Therefore, if flexible employees participate in employee pension insurance and pay the annual fee for 40 years, the basic pension they receive will reach 10795 yuan per month, and it is estimated that they need to pay employee pension insurance for 3,598.4 yuan per month.

If a flexible employee retires at the age of 60, it is expected that within 160 months, all expenses paid before retirement can be recovered by receiving a pension.

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