How much is the pension

It is cost-effective to buy social security when there are still 15 years after retirement, that is, men are 45 years old and women are 40 years old, and they can receive a monthly pension after they have paid 15 years, but only 15 years of pension is low. If you need a higher pension, the specific payment period can be determined according to your own situation.

Why do you want to participate in endowment insurance?

Endowment insurance provides basic living security for the elderly and makes them feel safe. With the arrival of the aging population, the proportion of the elderly population is increasing and the number is increasing. Old-age insurance guarantees the basic life of elderly workers, which is equivalent to ensuring the basic life of a considerable number of people in society.

For on-the-job employees, participating in endowment insurance means that they have expectations for their future old-age life and are free from worries. In terms of social mentality, more people are stable and less impetuous, which is conducive to social stability. Paying a pension insurance and having pension income after retirement is equivalent to reducing the burden on children.

The reason for this is the following：

First, the annual minimum payment standard of endowment insurance will change with the change of price level. As far as the current situation is concerned, the older you get, the more money you need to pay every year. Therefore, from this perspective, the earlier the pension insurance is paid, the better.

Second, if you pay the old-age insurance in advance, you can choose to continue to pay when you pay 15. The longer the payment time, the more pension you can receive every month after retirement. Therefore, if you want a higher pension after retirement, the sooner you pay it, the better.

Third, the retirement age of gay men is 60, and that of lesbians is 50 to 55. If gay men start to pay old-age insurance at the age of 50, they can only pay 15 years at the age of 65, and then retire. Compared with others, he received five years less pension, which is a considerable loss.

How to buy

Step one. Determine the individual's expected treatment, that is, how much money to take after retirement to solve certain pension problems. Take rural retirement, for example, 1000 yuan per month.

Step two. Endowment insurance for urban and rural residents. Wechat pays attention to the local tax authorities and pays directly online, which is more convenient. It can be done in 5 minutes, or you can go to the Social Security Bureau. At present, social security contributions are uniformly collected by tax authorities, and 100% of provincial tax authorities can pay them.

Employee pension insurance is not allowed to be paid in one lump sum. If you choose employees to provide for the elderly at the age of 57, you can retire at the earliest age of 72, which is not acceptable.

Step three. Choose the payment grade of residents' pension. Residents' pension contributions are low, the higher the treatment, and the higher the grade, the more cost-effective. Different regions have different payment grades, and some places have caps of 3,000, 6,000 and 9,000 yuan.

Step four. The calculation of residents' pension is based on the highest level of retirement benefits, such as paying 3,000 yuan at the age of 57, paying 3 years, and paying 12 at the age of 60. In this way, at the age of 60, I began to receive a pension. The pension consists of a basic pension and a personal account pension, which can be calculated according to the highest level of retirement benefits.

Step five. Find the local basic pension level. Website search official website, the basic pension of a local human resources and social security bureau, sorted in chronological order, you can see the latest basic pension level;

Step six. Calculate the individual pension account pension = (individual contribution+government subsidy) × payment period ÷ calculation months 139, and continue to search the payment standard of urban and rural residents' pension insurance in official website, Municipal Bureau of Human Resources and Social Security. You can find the payment grade and subsidy standard.

Step seven. Preliminary calculation of residents' pension benefits;

Take the above case as an example (it can be calculated according to your city): basic pension 238+ personal account pension (3160× 3+3000×12) ÷139 = 565 yuan.

Step eight. Insure a certain commercial pension as a supplement. The selected products are required to be insured at the age of 57 and collected at the age of 60 or 65. To meet the monthly pension demand of 65,438+0,000 yuan, the commercial pension should be able to receive 435 yuan per month. Can be compared to find the right product;

Residents who die can be returned to their personal accounts, and the basic pension for more than ten months has funeral expenses; The compensation for the death of commercial pension, plus the annuity already paid, is not lower than the premium paid, and there is no problem of loss.

Legal basis:

People's Republic of China (PRC) social insurance law

Article 16

Individuals who participate in the basic old-age insurance will receive the basic old-age pension on a monthly basis if they have paid a total of fifteen years when they reach the statutory retirement age.

Individuals who participate in the basic old-age insurance and pay less than fifteen years when they reach the statutory retirement age can pay for fifteen years and receive the basic pension on a monthly basis; Can also be transferred to the new rural social endowment insurance or urban residents' social endowment insurance, enjoy the corresponding pension insurance benefits in accordance with the provisions of the State Council.