What are the meanings of "payment base", "unit payment", "individual payment" and "individual account" in the social security card?

1, the social security card payment base is 60%-300% of the average social wage, for example, the average social wage 1000 yuan, and the payment base can be 600 yuan-3,000 yuan.

Social security will regularly check the social security base every year and release the latest minimum base and maximum base. Generally speaking, enterprises help employees pay the minimum social security. Of course, some companies will pay social security for their employees according to the average salary of the previous year.

2. The unit payment is calculated at 22% of the average monthly salary of employees in the previous year. From June 65438+1 October1day, 2006, Ministry of Human Resources and Social Security adjusted the size of the individual pension account from 165438+ 0% of my contribution salary to 8%.

3, individual contributions above the annual average monthly salary of employees as the base (the minimum number is 60% of the city's employees' salary last year; The highest figure is 8% of the city's employees' wages last year.

4. Personal account refers to the social insurance agency set up for each person who participates in social endowment insurance according to the social security number issued by the State Bureau of Technical Supervision, and records the old-age insurance premiums transferred by the unit according to regulations and all the old-age insurance premiums paid by individuals.

Personal account is used as the basis for the calculation of personal account pension insurance when people who participate in social pension insurance retire.

Extended data:

1, calculation method of social security card payment base

Generally, my salary income in the previous year is the base of payment.

If the wage income of employees is higher than 300% of the local average wage of employees in the previous year, 300% of the local average wage of employees in the previous year shall be the payment base;

If the wage income of employees is lower than 60% of the local average wage of employees in the previous year, 60% of the local average wage of employees in the previous year shall be the base of payment;

If the employee's salary is between 300% and 60%, declare it according to the facts. When it is impossible to determine the wage income of employees, the payment base shall be determined according to the local average wage of employees in the previous year published by the local labor administrative department.

2. Calculation method of guaranteed payment ratio

Taking the pension in social security as an example, the calculation formula of basic pension is as follows:

Basic pension = basic pension+personal account pension+transitional pension = the average monthly salary of employees in the whole city in the previous year before retirement ×20% (the payment period is insufficient 15 is 15%)+ personal account principal and interest and indexed monthly average payment salary ×1payment period before the end of 997 ×

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