How much can the old-age insurance receive after more than 600 a month?

How much old-age insurance you can receive after exceeding 600 yuan in one month depends on the situation, as follows:

1, employee pension insurance. If the insured is in 600 yuan, it should be paid by employee pension insurance, including three insurances: maintenance, medical care and unemployment (maternity and work-related injuries are not paid by individuals). The pension received after retirement is only related to old-age insurance. The endowment insurance premium in 600 yuan must be fully entered into the personal account by 400 yuan, and the current payment base is around 6,000 yuan;

2, pension, pension insurance for employees who are normally insured, generally 15 can get 800 yuan's retirement salary. Suppose the local social wage is 6000 yuan, which is equivalent to paying the old-age insurance at 100% of the social wage. If you only pay 15, and the social wage of gay men is 8,000 yuan per year, the pension will be about 65,438+.

3. Flexible employment. If it is flexible employment, in fact, 600 yuan has not fully entered your personal account, and only about 40% of the expenses have entered your personal account, which means that only about 200 yuan may enter your personal account in a month. Suppose 200 yuan is used to pay for medical insurance and 400 yuan is used for endowment insurance, but only 200 yuan enters your personal account. If other conditions are the same as the above example, your retirement pension will be about 1400 yuan.

The cost-effective purchase method of endowment insurance is as follows:

1. From the perspective of payback time: you can choose a lower level of payment, with less investment and shorter payback time;

2. From the perspective of pension benefits: it will be better to choose a higher payment grade, and the payment of old-age insurance follows the choice of paying more and getting more. The higher the payment grade, the higher the subsidy, and the better the pension benefits in the future;

3. From the perspective of personal premium expenditure, it is more appropriate to choose the payment grade that is high first and then low. The pressure of life in the early stage is small, so choosing a higher payment grade can ensure the balance of personal accounts. In the later period, a lower payment grade can ensure a longer payment period, which can ensure that individuals can get better pension benefits.

To sum up, for flexible employees, there is no fixed unit, so there is no enterprise to help pay social security, only individuals participate in social security. If employees pay 600 yuan RMB every month and 7,200 RMB every year, they need to pay 60% of the average salary of local employees in the previous year. If he retires at the age of 60 after paying the pension service insurance for 15 years, the monthly pension insurance is about 1 100 RMB.

Legal basis:

Article 64 of People's Republic of China (PRC) Social Insurance Law

Social insurance funds include basic endowment insurance fund, basic medical insurance fund, industrial injury insurance fund, unemployment insurance fund and maternity insurance fund. In addition to the basic medical insurance fund and maternity insurance fund combined accounting, other social insurance funds are accounted for separately according to social insurance types. Social insurance funds implement a unified accounting system throughout the country.

The social insurance fund is earmarked for special purposes, and no organization or individual may occupy or misappropriate it.

The basic old-age insurance fund will gradually implement national overall planning, and other social insurance funds will gradually implement provincial overall planning. The specific time and steps shall be stipulated by the State Council.