According to the social security law, how much can Shenyang get after 43 years of service?

According to the relevant provisions of the Social Security Law, the payment of old-age insurance has reached 15 years, reaching the statutory retirement age stipulated by law, and being able to retire on time and receive a monthly pension. But now, there is no concept of working years, only the concept of payment years. 43 years of working experience should be 1978, and I have retired according to the time. It is unlikely that we need to calculate how much we can get each month today. If I had been young when I joined the work, I would probably have reached the legal retirement age stipulated by law now.

If employees belonging to state-owned enterprises have to calculate the working years before 1992 as deemed payment years, they should have the payment years of 14, and the actual payment years after 1992 are 29 years later; If it belongs to the staff of administrative organs and institutions, and the working years before 20 14 10 belong to the deemed payment period, then the deemed payment period is 36 years, and the actual payment period is about 7 years.

Whether you are an employee of an enterprise or a staff member of an administrative organ or institution, endowment insurance consists of three parts because it is actually regarded as the payment period. The first part is pension; The second part is transitional pension; The third part is personal account endowment insurance.

For some pensions, the average of the sum of the average monthly income of employees in the previous year and their indexed average contribution wages is used as the pension calculation amount, and a pension of 1% is paid every year of contribution. Because there is no actual information, it cannot be calculated.

Liaoning 202 1 the amount of pension service in our province is 6057 yuan, of which Shenyang is 7 195 yuan. The pension is calculated according to the calculated amount of pension insurance issued by Liaoning in 202 1 Shenyang, which is 7 195 yuan. First, calculate that salary paid by average index. Because the average contribution index salary is based on the average monthly income of employees in the previous year multiplied by the average contribution index, for example, your average contribution index is 1, then the average index contribution salary is 7 195 yuan; If the average contribution index is 0.6, the average index contribution wage is 43 17 yuan.

Different types of average payment index, the average wage index is different. Although the calculated amount is 7 195 yuan, the pension in each payment year is different. According to the payment 100%, the calculated amount for each payment year is 7 1.95 yuan, and the pension for 43 years is 3,093.85 yuan.

If you pay 60%, the basic old-age service will be 57.56 yuan per year, 2475.08 yuan in 43 years, 100% and 60%, and the difference between the two pensions is 6 18.74 yuan, which is still very large.

Individual account endowment insurance is divided by the total amount of individual account and calculated according to the legal retirement age. For example, retirement at 60 is 139 months, retirement at 55 is 170 months, and retirement at 50 is 195 months. 1978 joined the work, 43 years of work experience should be all same-sex men, and basically all retired at the age of 60. However, it is difficult to estimate this part because there is no total assets in personal accounts.

Part of the transitional pension is not much different from the old-age pension. It is also based on the average monthly salary of employees in the previous year plus the salary of the indexed average payment index, divided by 2, multiplied by the deemed payment period, and then multiplied by the deemed payment index, which is the index of the calculation base of the transitional pension for each year of payment. In some places, it is 1.4%, and in some places it is 1.3%, which is a little higher than the pension 1%. Belong to the staff of administrative organs and institutions, but also need to refer to the post, job level or professional and technical titles to determine specific indicators. The greater the index, the higher the proportion of deemed payment years in each year.

For example, according to the calculation data of the basic pension above, if the payment is made according to 100%, the transitional pension is 93.54 yuan per year of payment, and if it is an enterprise employee, it is regarded as the payment period of 14 years, so the transitional pension is 1309.56 yuan; If it is a staff member of an administrative organ or institution, it will be deemed that the payment period is 36 years and the transitional pension is 3,367.44 yuan. From this calculation, it is considered that the longer the payment period, the better, but the personal account pension insurance will also be reduced. This is the main reason why the pension insurance for retirees in administrative organs and institutions is more extensive than that for retirees in enterprises.

Generally speaking, if you retire after working in Shenyang for 43 years, even if you retire at 20 1 1, the deposit base is different, the payment index is different, the salary of the average indexed payment index is different, and the calculated conclusion is completely different; The longer the payment period, the higher the transitional pension will be, but the personal account pension insurance will also be reduced, but in general, it is still considered that the longer the payment period, the more cost-effective.