Shaanxi pension insurance contribution ratio is how much pension how to receive

Basic pension insurance premiums are borne by both the unit and the individual***, and are collected by the social security agency on a monthly basis. The unit pays 20% of the total wages of the unit, and the individual pays 8% of the wage base of his own contribution, which is withheld by the unit.Those who join the workforce on or after October 1, 2014, and whose individual contribution period has accumulated to 15 years, will be given a basic pension on a monthly basis after retirement.

I. Shaanxi Pension Insurance Contribution Ratio

The basic pension insurance premiums are borne by both the unit and the individual***, and are collected by the social security agency on a monthly basis. The unit pays 20% of the total wages of the unit, and the individual pays 8% of the wage base of his own contribution, which is withheld and paid by the unit.

Individuals whose wages exceed 300% of the average wage of on-the-job workers in the previous year in the province are not counted as part of the wage base for individual contributions; if it is lower than 60% of the average wage of on-the-job workers in the previous year in the province, 60% of the average wage of on-the-job workers in the previous year in the province are counted as part of the wage base for individual contributions.

Two, Shaanxi Pensioner

1, October 1, 2014 and later to participate in the work, personal contributions to the total number of years of 15 years of personnel, retired after the basic pension is issued on a monthly basis.

The basic pension consists of a basic pension and a personal account pension. The monthly standard of the basic pension at the time of retirement is based on the average of the average monthly salary of the employees on duty in the province in the previous year and the average of the indexed monthly contribution salary of the person, and 1% will be paid for every one year of contribution. The monthly standard of personal account pension is the amount of personal account storage divided by the number of months of payment, the number of months of payment according to the average life expectancy of the urban population at the time of my retirement, my retirement age, interest and other factors to determine.

(1) Monthly basic pension = average monthly salary of on-the-job workers in the previous year in the province at the time of retirement × (1 + the average salary index of my contribution) ÷ 2 × years of contribution (including the deemed years of contribution) × 1%. Among them, the average contribution wage index = (deemed contribution index × deemed contribution years + actual average contribution index × actual contribution years) ÷ contribution years. The province's unified measurement of the formation and institutions and institutions of the job level (technical title) and years of service corresponding to the table of the deemed contribution index, the staff retirement, according to my retirement at the time of the job level (technical title) and years of service, etc. to determine my own deemed contribution index.

(2) Monthly personal account pension = the accumulated savings in the personal account of the basic pension insurance at the time of retirement ÷ the number of months of payment.

(3) Monthly transitional pension = the average monthly salary of on-the-job workers in the previous year in the province at the time of retirement × the index of my deemed contributions × the number of years of deemed contributions × 14%.

(4) The province has implemented a uniform transitional approach. For October 1, 2014 to participate in the work, the reform of the retirement of the establishment of a 10-year transition period, the implementation of the transition period of the old and new treatment calculation method comparison, low limit high.

That is: the new approach (including occupational pension treatment) calculated treatment is lower than the old treatment standards, according to the old treatment standards issued, to maintain the treatment is not lowered; higher than the old treatment standards, the portion of the excess, the first year of retirees (October 1, 2014 to December 31, 2015) issued the excess of 10%, the second year of retirees (January 1, 2016 to December 31, 2016), the second year of retirees (January 1, 2016 to December 31, 2016) issued the excess of 10%. to December 31, 2016) 20%, and so on, to 100% of the excess for those retiring in the last year of the transition period (January 1, 2024 to September 30, 2024) Those who retire after the end of the transition period will implement the new method.

2, September 30, 2014 and before to participate in the work, October 1, 2014 and after the retirement and contribution years (including deemed contribution years) accumulated 15 years of personnel, in accordance with the principle of reasonable convergence, smooth transition, in the basic pension and personal account pension issued on the basis of the length of the deemed contribution years to be issued to the transitional pension. Specific measures will be developed and guided by the Provincial Human Resources and Social Affairs Department in conjunction with relevant departments.

3, October 1, 2014 and after the retirement age but the individual contribution period accumulated less than 15 years of personnel, its basic pension insurance relationship and basic pension calculation according to the "implementation of the Chinese people's *** and the State Social Insurance Law" a number of provisions "(Ministry of Human Resources and Social Security Decree No. 13) and the implementation of the relevant provisions of the province.

4, the province's institutions retirees are still in accordance with the unified provisions of the state and the province, by the same level of finance to send the retirement fee, and adjust the relevant treatment. The central authorities in Shaanxi and the affiliated institutions of the retiree retirement fee issued and related treatment adjustment is still guaranteed by the original channel.

5, September 30, 2014 and before the retired personnel, continue to provide basic pensions in accordance with the original treatment standards set by the state and the province, while the implementation of the basic pension adjustment method.

In summary, Shaanxi pension insurance contribution ratio is roughly the same as other regions, are by the employer and the insured person **** the same bear, that is, 20% from the employer, and the insured person needs to self-pay the remaining 8%. If you pay this rate for more than 15 years, you will receive a monthly basic pension after retirement.

• Previous article:Do you need to open your own integrated account for health insurance?
• Next article:Jiangyin Human Resources and Social Security Network Why is there no convenient service in official website?