How to pay the highest grade of personal social security pension insurance?

Calculation of retirement pension when the individual has paid the minimum social insurance premium 15;

According to the new pension calculation and payment method, the insured will receive more pensions every year, and the ceiling will not be capped, which is conducive to the formation of an incentive and restraint mechanism of "more work and more pay". The specific calculation scheme is: (provincial base+my indexed monthly average payment salary) /2× payment period (including deemed payment period, the same below) × 1%+ personal account at the time of first collection.

1. The content of the personal account for endowment insurance includes three parts: the basic endowment insurance premium paid by the individual+the basic endowment insurance premium paid by the company is credited to the personal account+the interest calculated according to the social security interest rate. Obviously, the new policy will exclude the basic old-age insurance premium paid by the unit from the personal account.

2. Payment ratio: This part consists of individual payment and unit payment.

(1) Individual contributions are based on the average monthly salary of employees in the previous year (the minimum is 60% of the salary of employees in the whole city in the previous year; The highest figure is 8% of the city's employees' wages in the previous year.

(2) The unit payment is paid according to 22% of the average monthly salary of the employee in the previous year. The old policy is that 3% of individual contributions and unit contributions are all transferred to individual pension accounts, and 19% of unit contributions are transferred to social pooling, while the new policy is to transfer 3% of unit contributions to social pooling to solve the problem of empty pension accounts.

3. The calculation formula of social endowment insurance: "middle-aged" basic pension = basic pension+personal account pension+transitional pension = the average monthly salary of employees in the whole city in the previous year before retirement ×20% (if the payment period is less than 15, 15)+ personal account principal and interest and indexed monthly average payment salary.

"Newcomer" basic pension = basic pension+personal account pension. The basic pension is calculated and paid according to 20% of the average monthly salary of employees in this city in the previous year when I retire, and the personal account pension is calculated and paid according to the amount stored in my account divided by 120.

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