The problem of old-age insurance!

According to state regulations, before January 1, 1994 to participate in the work of the "old man", before 1994 years of service is deemed to be years of contributions, so they pay a minimum of 120 months (10 years), after retirement can enjoy the treatment of monthly pension; and after 1994 to participate in the work of the "new man", must be a minimum of 180 months (i.e., 15 years), in order to be eligible to receive a monthly pension. The "newcomers" must have contributed a minimum of 180 months (i.e. 15 years) to be eligible for a monthly pension after retirement. And the standard for the pension is the total amount in your personal account/120 (months) + X% of the average monthly social wage in your area in the year before you retire (I'm not sure of the exact percentage number). That is to say, if the more money you have in your account, the higher the average social wage in your area in the year before your retirement, then you will receive more money per month, and vice versa. For example, if you have 60,000 yuan in your personal account and only 12,000 yuan, the difference is huge, 60,000/120 = 500 yuan, 12,000/120 = 100 yuan, a difference of five times as much. However, it is not the higher the contribution base the better, because if all the contributions are made by the individual, then a large part of the fees you pay into the social security fund, and to your personal account will be very little money, therefore, there is no need to choose too high a contribution base. So it's okay that your contribution base is not the same on your organization as it is on Talent. I'm a laggard anyway, and I pay social security at the minimum rate.

The pension consists of three parts: a basic pension, an additional pension and a personal special account pension. Pension benefits are linked to contributory wages and years of contribution, and are commensurate with national economic development and rising social living standards.

1. Basic pension. According to the city in the previous year's average monthly salary of employees 30% (35% of retired cadres and old workers who participated in the revolution before the founding of the country), and then adjusted accordingly with the growth of the average monthly salary of employees.

2. Additional pension. According to a certain percentage of my indexed average contribution salary. If the contribution period is ten years but less than fifteen years, 1% of the indexed average contribution salary is paid for each full year. If the contribution period is more than fifteen years, 1.2% will be paid for each full year. The additional pension is adjusted annually in line with the increase in the average monthly contribution salary of the employee.

3. Individual special account pension. The pension insurance premiums paid by an individual employee and deposited in the personal pension account, together with the interest on the deposits, will be converted into a pension annuity to be paid monthly or in a lump sum to the employee upon retirement.

First of all, the basic pension, this is quite good to understand but there is still not very clear content. This "the city's average monthly wage of employees in the previous year" is how to calculate it? Is the average wage of all participants? Or is it the average wage of all workers in the city? There are many people who do not participate in the program because their wages are just enough to make ends meet. I know from the consultation that last year's average monthly wage was $978, so this year's basic pension is $978 X 30% = $293.4? The average salary may vary from year to year, is it because of this and then move that 30%? What is the basis for this increase or decrease?

What is the "average indexed contribution salary" in the additional pension? And for 14 years of contributions, is the additional pension = my indexed average contributory salary X 4%? And what is the "average monthly salary of employees"? What is the "average monthly employee contribution"? Does it change to a percentage, or does it change to the average indexed contributory salary of the employee?

And then there is the personalized account pension that is paid monthly, so how much is paid monthly? And will this amount fluctuate with what? From the consultation here this year there is an 11%, then this year's pension annuity per month is not: 978 X 11% = 107.58 it? I learned from the consultation that the social pension insurance is: the average salary of employees in the previous year X 18%. The company's share is 10% and the individual's share is 8% (I think it has been adjusted). How is it calculated if one is self-employed? As for the insurance contribution, if the individual is to pay 8% of the average monthly salary of the previous year, but the salary is less than the average monthly salary is only more than 500 points. If you have to pay 978 X 8% = $72.24, you will have a hard time making ends meet, won't you? If you want to insure more when your income is high, will you get more pension?

These are the questions I had to ask myself, but I found out that the man was no longer there. So I asked a woman in the fourth booth, who was probably working on something, and was almost angry when she said, "Call the counseling line!" to rebuff me.

There's something to be said for the cost of counseling, and sometimes it really pays to know something. There is so much more to Social Security and the above is only a small part of it. From the time I started to inquire to the time I understood, it took hours of time, traveling back and forth, looking at people's faces (you have to find the target of the inquiry and the timing of the inquiry), and putting up with people's tempers. And if you go on, you have to add to that the cost of the phone calls, and the time and effort it takes to read the incomprehensible flyer (which is full of newly invented terms, too many names, and not enough words). I doubt that I'll ever be able to complete this counseling, it's just too exhausting. It's hard to get advice on policies and taxes, not just social security. You ask? The person in charge may not be in only another day, even if you can find someone is not a day or two can be completed. But you still have to work ah, that can find so much time? For the cost of this counseling may be my little people can not afford to pay. However, the charges can not come a little sloppy, late it a day or two you give a fine, plus late fees, and a variety of ways to deal with you. Why do you pay all this money? Why do you need so much? You just give, why have to ask the leadership. But leaders are usually busy, and even busier when you're looking for them.

For social security promotion is to the home, everyone knows to buy, this is good stuff. But you just have to ask for some more specifics and you'll realize that ten people you ask might come up with eleven or even more versions of understanding. This shows that publicity is still not enough, not good enough. These uncertainties and ambiguities create a lot of space for corruption and economic cases to occur, and if they were known to everyone, these cases might not have happened in the past. The three representatives of the content I can only read out, but I believe that it will be able to recite it backwards and forwards there will be a lot of people, however, really to understand the meaning of how many of them can be?

Back to social security, who can explain these terms? And can we create a formula to calculate the impact of different conditions on pensions?

Pension = ?X?+?X?+?X?

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