Shaoyang, Hunan has paid social security 15 years. How much can I get for retirement?

Endowment insurance is an important part of the social security system, which can guarantee people's old age, but it is not so easy to get a pension. You must pay 15 years before you can get it.

1. how much can I get when I retire after paying endowment insurance 15 years?

Pension consists of two parts: personal account pension+basic pension.

Two plus one is the total amount you can get every month after retirement.

Personal account pension is easy to understand, that is, 8% of the pension insurance we pay each month will all be credited to your personal pension account. After retirement, we will divide the total amount by the number of payment months and send it to you every month.

For example, you have paid pension insurance for 30 years and retired at 60.

The monthly salary is 5000 yuan (this is for the convenience of calculation, and the salary will definitely increase in real life). Pay 8% of the old-age insurance every month. In 30 years, you have paid 5000× 8 %×12× 30 =144000 yuan.

When it comes to the basic pension, this calculation formula is more complicated. Just look at the conclusion.

Basic pension = (when I retire, the average monthly salary of employees in the whole province in the previous year+my indexed monthly average payment salary) /2× payment period × 1%.

The amount of endowment insurance is 8% of everyone's monthly salary, which means that your average monthly salary in the previous year multiplied by 8% is what you need to pay every month.

In addition to personal pension, enterprises should also pay 14%-20% pension insurance for employees. At present, the proportion of social security contributions is being lowered, and there will be differences between provinces and cities. Please consult the company personnel for details.

Above, that is to say, in your pension account, you and your work unit will pay for you separately, and this ratio will exceed 20%.

2. What are the conditions for receiving a pension?

Workers must meet three conditions to receive the basic pension every month:

1, has reached the statutory retirement age and has gone through retirement procedures;

2, units and individuals to participate in old-age insurance and fulfill the obligation to pay old-age insurance premiums;

3. The individual payment is at least 15 years (the payment period in the transition period includes the deemed payment period). Today, the legal retirement age of enterprise employees in China is: male employees are 60 years old; Female employees engaged in management and scientific research are 55 years old; Female employees engaged in production and auxiliary work are over 50 years old, and female freelancers and individual industrial and commercial households are over 55 years old;

4, the basic pension = the province's average monthly salary of workers last year (1+ my average payment index) ÷2× payment period ×1%;

5, personal account pension = personal account storage ÷ personal account pension months;

6. The sum of the above two items A+B is the monthly payment.

3. How much does the individual endowment insurance pay each month?

Generally speaking, the old-age insurance in five insurances and one gold mainly refers to the first basic old-age insurance, also known as the national basic old-age insurance. Under normal circumstances, the cost of endowment insurance is shared by both employers and employees, but if you are self-employed or self-employed and need to participate in basic endowment insurance, then the cost at this time is borne by yourself. Five insurances and one gold include endowment insurance, which is actually an insurance that most workers care about. It should be noted that there are many kinds of endowment insurance, namely, basic endowment insurance, enterprise supplementary endowment insurance, personal savings endowment insurance and commercial endowment insurance.

Endowment insurance is not a fixed and unified amount, which varies from place to place. If an individual is insured, it is generally flexible employees who buy endowment insurance. At this time, the individual payment amount is freely selected by the parties in the local social security year, and the social security determines the payment base and payment amount corresponding to each payment grade in this year according to the local social salary in the previous year. Because the social wage varies from place to place and from year to year, the corresponding payment base and payment amount of each grade are different from year to year. So we can't generalize. Regarding the scope of payment this year, you can consult the local social security.