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How much can a deep household social security base of 3000 pay for a 30-year pension?
The calculation formula of social endowment insurance: retirement pension = basic pension+personal account pension 1, personal account pension = personal account savings ÷ months (the number of months is determined according to the retirement age and the average life expectancy of the population at that time. Calculated months are slightly equal to (average life expectancy-retirement age) X 12. Note: At present, the age of 50 is 195, that of 55 is 170, and that of 60 is 139. 2. Basic pension = (last year's average monthly salary of employees in the province+my average monthly payment salary) ÷2× payment period × 1% = last year's average monthly salary of employees in the province (1+ my average monthly payment index) ÷2× payment period × 1% Note my average monthly payment salary. The annual interest on the amount of personal accounts of retirees is calculated by the monthly product method, and the calculation formula is as follows: annual interest = the amount of personal accounts at the beginning of the year × the bookkeeping interest rate of this year-monthly payment × the bookkeeping interest rate of this year ×112 = ∑ [n monthly payment × (12-n+65438) pension calculation. If the payment base is large and the payment time is long, there will be more pensions when you retire, and vice versa. Because everyone pays a different amount in each period, the calculation of pension is based on the principle of "subsection calculation and comprehensive settlement". 2. The monthly counting is determined according to the retirement age and the average life expectancy of the population at that time. Calculated months are slightly equal to (average life expectancy-retirement age) X 12. At present, the age of 50 is 195, the age of 55 is 170, and the age of 60 is 139, which is no longer unified. 3. Under the condition of the same payment period, the level of basic pension depends on the average individual payment index, that is, the historical average of the ratio of its actual payment base to the average social wage. The lower limit is 0.6 and the upper limit is 3.
Legal objectivity:
Article 15 of the Social Insurance Law of People's Republic of China (PRC) * * * Basic Pension consists of overall pension and individual account pension. The basic pension is determined according to factors such as individual cumulative payment years, payment wages, average salary of local employees, personal account amount, average life expectancy of urban population, etc. Article 16 of the Social Insurance Law of People's Republic of China (PRC) * * * Individuals who participate in the basic old-age insurance will receive the basic old-age pension on a monthly basis if they have paid for fifteen years at the statutory retirement age. Individuals who participate in the basic old-age insurance and pay less than fifteen years when they reach the statutory retirement age can pay for fifteen years and receive the basic pension on a monthly basis; Can also be transferred to the new rural social endowment insurance or urban residents' social endowment insurance, enjoy the corresponding pension insurance benefits in accordance with the provisions of the State Council.
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