The social security balance is 50 thousand. How much can I get back in a month?

A netizen left a message for consultation. His father will retire this year. After investigation, the balance of his personal account for endowment insurance is 4 1 year of service. How much pension can Heilongjiang Province get for retirement?

4 1 year service is difficult for young people nowadays. The basic principle of endowment insurance is to pay more and pay more for a long time. The longer the payment period, the higher the pension. In particular, China's old-age insurance system has been promoted from 199 1. The initial system design was not perfect. Before the implementation of the local old-age insurance system combining overall account and individual account, transitional pension will be calculated and paid for the payment period.

The calculation and payment time of general transitional pension is before 1996, and in some areas such as Shanghai and Shenzhen, it is before 1992. The calculation formula of Beijing transitional pension is also divided into two stages. The calculation formula of transitional pension varies from place to place. In addition, our pension is linked to the average social wage in the last year in the province and city where we retired, so the pension benefits in different places are different with the same payment period and the same payment base.

According to the pension calculation formula, the pension with a calculation period of 4 1 year is mainly divided into three parts: basic pension, personal account pension and transitional pension.

First, for basic pension, I need to know my average contribution index. If the average contribution index is yes, retirees can receive the average social salary of the last year before retirement ×4 1.

The average social wage in the last year of retirement is now generally renamed as the pension base of that year. Heilongjiang province has not been announced. But generally speaking, the social wages used to calculate pensions in Heilongjiang Province in the past few years are relatively low. It is estimated that 202 1 year will be less than 6000 yuan.

In this case, if the average contribution index is 0, the basic pension is the average social wage, and the result is 1968 yuan.

Second, personal account pension is relatively easy to calculate, and it is the same anywhere in the country. It is equal to the balance of personal account of endowment insurance at retirement divided by the number of months determined by retirement age. The balance of personal account is 50,000 yuan, the number of months of retirement at the age of 60 is 1.39 months, and 360 yuan's personal account pension can be received every month.

Because our old-age insurance is paid into the personal account according to 8% of the payment base, the amount of 50,000 yuan in the personal account is really small, which is generally formed by the minimum payment base. Some people's pension insurance personal accounts are as high as100000 yuan or even more than 300000 yuan. Therefore, it is inferred that the average payment index is src = "/feed/960a304e251f95caa2283db6ec0537650952ec.jpeg @ f _ auto? token = 59 D2 C4 a 87370 EC 29 BCE 82 f 46 fbaa 90 a 6 "/>？ Third, transitional pension. The calculation formula of transitional pension in Heilongjiang Province is: the average payment wage index multiplied by the social flat wage, multiplied by the deemed payment period or the payment period before the real-time personal account, multiplied by the deemed payment period in Shandong Province 15 years, the average payment index is 1, and you can receive 18% of the social flat wage. However, if the average contribution index is 0, only the transitional pension can be calculated, and there is no function of narrowing the income gap like the basic pension.

The monthly transitional pension is only 648 yuan.

The three parts of the pension add up, and the pension is just about 3000 yuan.

After retirement, the pension is actually adjusted every year. When adjusting, it is actually implemented according to the pension adjustment in various places. In areas with low pension levels, the total amount of adjustment will generally be less. Therefore, if you can retire in economically developed areas as much as possible, the corresponding pension base is still relatively high. For example, in Shandong Province, this year it is 6,893 yuan, and under the same conditions, the pension can receive at least 3,300 yuan.