What's the interest rate of personal account for endowment insurance?

The bookkeeping interest rate of individual accounts for basic old-age insurance for urban workers and basic old-age insurance for urban and rural residents is 2.75%. The personal accounts of endowment insurance all bear interest according to the natural year. If the amount of personal account storage is full, the annual interest shall be calculated according to the annual bookkeeping rate; If the deposit for the whole year is not full, the interest shall be calculated by multiplying the number of months actually stored by one twelfth of the annual bookkeeping interest rate. Look at the division angle of personal account after calculating interest. In 2022, the bookkeeping rate of social security personal accounts has been above 6% to 8%. Assuming that the bookkeeping interest rate of personal accounts for old-age insurance is always maintained at 5%, which is the same as the average wage growth rate of society, if the number of months of personal accounts for 60-year-old retirees is 139 months, the monthly personal account pension can be maintained at around 845 yuan.

1. What is the age requirement for applying for retirement pay?

1. Normal retirement: men over 60 years old, women cadres over 55 years old, and women workers over 50 years old.

2. Early retirement for special types of work: those who have been engaged in toxic and harmful work for 8 years, worked in high and low temperature underground for 9 years, and worked in high altitude and particularly heavy manual labor for 10 years, are 55 years old for men, 50 years old for women cadres and 45 years old for women workers.

3. Early retirement due to illness or non-work-related disability: those who are completely incapacitated by the provincial labor ability appraisal committee shall be 50 years old for men and 45 years old for women.

4. Policy-based early retirement: If the state and the province have special provisions on early retirement, the relevant provisions shall prevail.

Two, apply for retirement wages payment period (including deemed payment period, the same below) conditions.

1, if the payment period reaches 15 years, you can apply for a monthly basic pension.

2. The payment period is 10 year, and you can apply for the basic pension on a monthly basis.

3. If the payment period does not meet the above conditions of 1 and 2, you can apply for one-time pension insurance and terminate the pension insurance relationship; Belonging to the household registration in this province, you can not apply for one-time pension insurance benefits, and continue to pay according to the payment base and rate of individual industrial and commercial households and flexible employees until you meet the conditions for receiving basic pensions on a monthly basis.

Legal basis:

"Interim Measures of the State Council on Retirement and Resignation of Workers" Article 2 After retirement, workers shall be paid a monthly retirement fee according to the following standards until their death: those who meet the conditions in Items (1), (2) and (3) of Article 1 and participated in revolutionary work during the War of Resistance against Japanese Aggression period shall be paid 90% of their standard salary. Those who participated in revolutionary work during the War of Liberation were paid 80% of the standard salary. After the establishment of People's Republic of China (PRC), he participated in the revolutionary work and worked continuously for 20 years, and was paid 75% of his standard salary; If the continuous length of service is over 15 and less than 20 years, it will be paid at 70% of my standard salary; Continuous work 10 years and less than 15 years will be paid at 60% of my standard salary. If the retirement fee is lower than that in 25 yuan, it will be paid in 25 yuan. Those who meet the requirements of Item (4) of Article 1 and need help in life shall be paid 90% of their standard salary, and a certain amount of nursing expenses may be paid according to the actual situation, generally not exceeding the salary of an ordinary employee; If you don't need help in your daily life, you will be paid 80% of the standard salary. Those who have more than two retirement conditions at the same time will be paid according to the highest standards. If the retirement fee is lower than that in 35 yuan, it will be paid in 35 yuan.