Will the unit pay more pensions?

If the pension insurance is paid as much as possible, the collection of pension will be related to the accumulation of personal accounts. However, if it is just general social endowment insurance, the principal may not be recovered in the event of an accident, so it is necessary to determine the type of endowment insurance when purchasing.

First, is the pension insurance paid as much as possible?

The more social pension insurance is paid, the better, because the future pension is related to the accumulated amount of personal accounts. The more money you have in your personal account, the more you get.

The general social security pension is collected in this way: the longer you live after retirement, the more you receive. However, in the event of a risk, social security may not be able to get back the principal if it pays two years' salary and funeral expenses.

1, the longer the payment time, the more income. The basic old-age insurance premium is paid monthly, and one year is an accounting unit. The longer the payment time, the longer the payment period. When calculating the pension, the payment period is very important. The longer the payment period, the higher the pension amount.

2. The higher the payment base of the old-age insurance premium paid each year, the more you get. If the payment base is high, the amount of payment will increase, and the amount of personal account storage will also increase accordingly. At the same time, the annual payment base is high, that is, the annual payment base is high. When calculating the pension, the amount of personal account storage and the annual payment base are also important factors.

From these two aspects, the basic old-age insurance is really necessary to pay more. But personally, this is not the case.

Two, the basic old-age insurance payment ratio can be divided into the following three categories according to personal circumstances.

1. For on-the-job employees, the basic old-age insurance premium shall be paid by the enterprise and the insured in different proportions. Enterprises pay 20% and individuals pay 8%. In this case, the enterprise pays most, and the personal economic burden is less. Of course, the more you pay, the better.

2. For laid-off workers, if there is no unit to bear the cost of endowment insurance, then 28% of the cost will need to be borne by individuals, and the personal economic burden will be very heavy, which may lead to unaffordability.

3. Flexible employees, the payment ratio is 20%, slightly lower than that of enterprise employees.

Article 16 of the Social Insurance Law: Individuals who participate in the basic old-age insurance will receive the basic old-age pension on a monthly basis when they reach the statutory retirement age and have accumulated contributions for fifteen years. Individuals who participate in the basic old-age insurance and pay less than fifteen years when they reach the statutory retirement age can pay for fifteen years and receive the basic pension on a monthly basis; Can also be transferred to the new rural social endowment insurance or urban residents' social endowment insurance, enjoy the corresponding pension insurance benefits in accordance with the provisions of the State Council.

Third, how to pay the basic old-age insurance?

According to the above, it can be seen that endowment insurance should be paid according to individual circumstances.

On-the-job employees should supervise the full payment of enterprises; Laid-off workers can pay according to the minimum base to reduce their personal burden, and the saved expenses can be used for financial management and savings to cope with diseases or sudden risks after retirement; Flexible employees can also choose a lower payment base and arrange the saved expenses reasonably.

To sum up, pension insurance is generally withheld and remitted by the employer. Of course, it is considered from the aspect of pension collection in accordance with the principle of overpaying and getting more. However, it should also be noted that in general social security, if a party has an accident, he will only be compensated for two years' salary and a certain funeral expenses, and he may not be able to get back the principal.