Social Security 3000 base is low

Lower. It needs to be judged on an individual basis.3000 social security base is the local minimum wage level of 3000 yuan, so it is equivalent to your minimum wage of 3000 yuan, but it is generally higher than 3000 yuan. The social security base refers to the employee's social insurance contribution base in a social security year. It is determined by the monthly average of all wage income earned by the employee from January through December of the previous year. The social insurance contribution base is an important basis for calculating the social insurance contributions to be paid by the employer and its employees and the social insurance benefits of the employees, and there are upper and lower limits, with the specific amount depending on the actual situation in each region.

Social security contribution base of 3,000, the monthly pension after retirement = 3,000 yuan × 15% + 3,000 yuan × 8% × 12 × 10 ÷ 120 = 690 yuan. The formula is: basic pension = basic pension + personal account pension + transitional pension. And (3,000 yuan × 8% × 12 × 10 ÷ 120) is the individual account pension, and (3,000 yuan × 15%) is the basic pension. Finally, when an employee retires to receive a pension, he or she needs to reach the national legal retirement age, i.e., 60 years old for men, 50 years old for female workers, and 55 years old for female cadres. Those who have paid contributions for 15 years or more (including deemed contributions). Any worker who meets the above conditions shall be examined by the local social insurance agency and approved by the labor security administrative department to go through the retirement procedures and receive the pension on a monthly basis. , 60% of the arithmetic average of the average monthly salary of on-post employees in the city as the contribution base.

Social insurance is a system that the state enforces through legislation to ensure that workers are provided with basic livelihood protection in the event that they lose their ability to work in old age, unemployment, illness, or work-related injuries. The social security contribution base is an important basis for workers to enjoy social insurance treatment, in which the individual account of the pension insurance is based on the storage amount of social security contributions. The level of the pension received by an employee is directly linked to the number of years of contributions and the amount of contributions, i.e. the longer the period of contributions and the more the accumulated amount of contributions, the higher the level of pension received upon retirement. The difference mainly lies in the part of the personal account pension. If the base amount of the monthly pension insurance premiums paid by an employee is low, it will definitely affect the accumulated amount credited to the employee's personal account, and at the same time affect the pension insurance treatment. Employees are required to pay social security contributions for an uninterrupted period of time, with a minimum of 15 years.

Legal basis

Article 64 of the Social Insurance Law of the People's Republic of China

The social insurance fund includes the basic pension insurance fund, the basic medical insurance fund, the industrial injury insurance fund, the unemployment insurance fund and the maternity insurance fund. With the exception of the basic medical insurance fund and the maternity insurance fund, which are combined and accounted for in a single account, the other social insurance funds are accounted for in separate accounts according to the type of social insurance. The social insurance fund implements the national unified accounting system.