Social security has been paid for a long time, will it be more in the future?

Social security is paid for a long time and will be paid more in the future.

First, generally speaking, social security has been paid for 15 years, and after retirement, he has been receiving a pension until his death. As for medical insurance, you can always enjoy medical insurance benefits after paying for 25 years, which is valid for life. It is decided by individual account pension and overall account pension.

Taking enterprise employees as an example, the calculation formula of monthly pension, monthly pension after retirement = personal account pension+basic pension. This formula can be divided into two parts:

Personal account pension = personal account balance/payment months

Basic pension = average monthly salary of employees in the whole province last year *( 1+ average payment index) /2* payment period * 1%.

Simply put, how much money you can get when you retire depends mainly on the balance of your personal account and the payment period. The more you pay each month, the longer you pay, and the more money you get.

Second, for example, Lao Wang is 30 years old and earns 5000 yuan a month. The average monthly salary of local employees last year was 3500 yuan. According to the individual 8%, the company 16% payment ratio. Lao Wang pays 400 yuan himself every month and enters the personal pension account; Company to 800 yuan, into the overall account.

Assume that Lao Wang's annual salary is the same as the average monthly salary of employees, and it is raised at a rate of 5% per year.

If the payment is 15 years, the total premium paid by Lao Wang is103,000 yuan. Payment for 25 years, with a total expenditure of 229,000 yuan.

So what's the difference between Lao Wang's retirement pension?

Obviously, compared with paying 15, if you pay 10 years of old-age insurance, you can get 32,000 yuan more pension every year. Isn't it strange that the gap is so big? Therefore, paying endowment insurance, 15 years is the basis. If you can afford it, you can pay it for a few more years. Anyway, you won't suffer. In addition, if Lao Wang chooses to pay for 25 years, he will receive a pension from the age of 60. When you reach the age of 63, you can get back all the premiums you paid before. After that, it is a white-collar pension every year. This also shows that the best way to get more pensions is to live. The longer you live, the more money you get.

Third, apart from endowment insurance, does the payment period of social security have an impact on the other four insurances? Let's look at medical insurance first. Medical insurance is divided into employee medical insurance and resident medical insurance. Residents' medical insurance is generally guaranteed for one year, regardless of the payment period. However, after a certain number of years, employees can enjoy lifelong medical insurance services. Let's look at unemployment insurance. Unemployment insurance means that workers can receive unemployment benefits during unemployment. To receive unemployment insurance benefits, three conditions need to be met. First of all, unemployment insurance must be paid for one year before unemployment. Secondly, voluntary resignation does not count unless I voluntarily suspend my employment. Finally, I have registered as unemployed and have job requirements. Unemployment benefits received during unemployment are related to the length of payment. Unemployment insurance, the longer you pay, the more you get.

Then look at maternity insurance. Maternity insurance mainly includes two major benefits. One is maternity medical expenses, and the other is maternity allowance. The former reimburses medical expenses from pregnancy to delivery. The latter makes up for the loss of income caused in the production process. Generally, you can get it when you reach the specified number of years, which has little to do with the payment period. As for industrial injury insurance, as long as you are insured, you can get protection. Has nothing to do with the payment period. If employees become disabled, die or suffer from occupational diseases in the process of labor, all work-related injury insurance shall be paid by the enterprise.

At this time, industrial injury insurance can come in handy. In short, the social security contribution 15 and 25 years, the pension insurance has the greatest impact.