I am an individual industrial and commercial household and paid 15 social endowment insurance. How much can I get when I retire?

What's the difference between 15 social security payment and 25-year retirement payment? I also heard that the payment period is graded, right? I have paid it for more than 20 years now, but there are still several years before my retirement age. Can I not pay?

After paying social insurance for 15 years, you can apply for social insurance pension when you reach the statutory retirement age. Both social insurance and the payment period of individual accounts have an impact on the pension insurance benefits, and its essence is to pay more. Those who have paid the social insurance 15 years before retirement age may choose not to continue to pay; But the basic medical insurance needs men to pay for 25 years and women to pay for 20 years.

Social security retirement pension = (average monthly salary of local employees in last year+average monthly payment salary of myself) ÷2×[ payment period (including deemed payment period) × 1%]+ personal account storage amount ÷ payment months. )

My indexed monthly average payment salary:

(The sum of the payment years and monthly payment indexes of employees from work to retirement ÷ the number of payment years and months) × the average monthly salary of employees in this city in the previous year when employees retired.

The monthly payment index of employees is: the monthly payment salary of employees ÷ the average monthly salary of employees in this city at the time of payment.

Counting month = 10 1~ 195. (the State Council stipulates: retirement at the age of 50-195; 55- 170 retired; 60- 139 retired; Retire at the age of 65-10 1)

No one can give you a definite answer to the substantive pension you mentioned. The social security base increases with the increase of the average social wage every year, and the amount of social security you pay every year is also increasing. If you happen to have paid the old-age insurance for 15 years and the medical insurance for 20 years, it will only reach the minimum payment period stipulated by the state, which is equivalent to the minimum pension standard of that year. This policy has been changing, and I really can't answer your specific figures accurately.

If I have to pay social security 15 years, I will pay it for 5 years myself, and the company name is 10 years. How much can I get when I retire?

1. The calculation basis of the basic old-age pension for employees participating in the provincial-level overall urban enterprise basic old-age insurance is the spirit of the document "(Min [2006] No.24) approved by the People's Government of Fujian Province to the Provincial Department of Labor and Social Security and the Provincial Department of Finance.

The specific calculation method is as follows:

Original calculation and allocation method:

Average index of actual payment: 1989 ~ 1995 payment index ÷ payment period.

Weighted average: (actual average index × actual years+years at the end of 84 × 1)÷ total payment years (before the end of 95)

Basic pension: social wage in 2005 × 20%

Contributory pension: social wage in 2005 × weighted average × payment period before the end of 95 × 1.3%

Personal account: accumulated amount of personal account over the years (principal and interest) ÷ 120.

Adjustment fund: the sum of three benefits (pension base for short) of basic pension, personal account pension and transitional pension is set in different grades, that is, from the time when the pension base is lower than that of 250 yuan, the adjustment fund should be reduced by 10%(5 yuan) for each benefit grade, and no additional adjustment fund will be issued in 600 yuan and above. If the pension after the additional adjustment fund reaches the maximum limit of this file or above, it will be paid according to the maximum limit of this file.

New calculation and allocation methods:

Basic pension: (when the insured retires, the average monthly salary of employees in the whole province in the previous year+the average monthly payment salary of himself) ÷2× payment period × 1%

The calculation formula of my indexed monthly average payment salary is:

I index the average monthly payment salary (the average monthly salary of employees in this province in the previous year when the insured retires × my average payment index)

Transitional pension: when the insured retires, the average monthly salary of employees in the whole province in the previous year ××10/.3% of the payment period before the end of 995.

Personal account: the amount of personal account at the time of retirement ÷ the number of months corresponding to my retirement age.

Adjustment fund: the sum of basic pension, personal account pension and transitional pension (referred to as pension base) is set in different grades, that is, from the time when the pension base is lower than that of 250 yuan, the adjustment fund should be reduced by 10%(5 yuan) until it reaches 600 yuan and above. If the pension after the additional adjustment fund reaches the maximum limit of this file or above, it will be paid according to the maximum limit of this file.

Final treatment: (new accounting method-original accounting method) × 30% of retirees in 2006, 50% of retirees in 2007, 70% of retirees in 2008, 80% of retirees in 2009 and 90% of retirees in 20 10.

How to pay social security pension cost-effectively, whether to pay it again after 15 years, and the calculation formula of social security retirement salary.

Social security is an important part of the national social system, and it is a basic system for the state to give certain economic compensation to citizens when they are old, sick, pregnant or injured at work, so as to protect their basic livelihood and maintain social stability.

Social security pension is paid monthly: 1) basic pension: the ratio of the average monthly salary of employees in this city to my index and average monthly payment salary (base x payment period X 1%) as the base; 2) Personal account pension: the accumulated/specified number of months in personal account; 3) Adjustment fund 300 yuan; 4) Transitional adjustment: 250 yuan/month for retirees in 2007, and 50% for retirees every night thereafter.

After self-funded individual industrial and commercial households retire, your pension will be very low. If the social wage this year is 2,528 yuan, if there is only the minimum payment period 15 stipulated in the old-age insurance, from this year to the retirement age, you can only get the pension around 900 yuan. Even if you pay the pension, you won't get the social wage.

So whether to pay after 15 depends on your financial situation. You can refer to the following:

Now the pension has risen too much, from a few hundred yuan in previous years to more than 6,000 yuan now (every year). If it is an individual payment, if 100% is paid in full 15 years, it is more cost-effective to pay 60% according to the minimum standard, so as to save investment in some commercial endowment insurance, or investment funds or small business transactions; If it is a unit payment, of course, the higher the better.

Ask the social security center? It depends on your payment documents. No one can answer this question, but you still need to know your retirement age, the payment base over the years, the city's social wage of 20 1 1 year, whether you have 92 years of service and so on. There are too many parameters involved in the calculation method of pension.

At present, the main factors to be considered in pension accounting are: individual years of insurance (length of service), individual contribution base over the years (compared with the average social wage of the year), and the average local social wage before retirement.

There is no way to calculate the average salary of the local society before retirement.

Combined with the above factors, considering inflation, there is really no way to predict.

There is no way to know what happened decades later. ...

/kloc-the pension after 0/5 years is unexpected, mainly because the future social wage cannot be determined, and the policy has been changing and unpredictable in recent years. . If you have the ability to pay, I suggest you pay for a long time. Under the condition of the same payment amount, the longer payment time has a greater impact on retirement benefits than the higher payment salary.

Let me help you analyze it: in the future, there is no fixed amount of pension you can get, only a minimum living guarantee, which is calculated according to the local social wage.

When it's retirement time, what is the retirement salary? No one can answer this question. I paid 15 of the old-age insurance, but now I don't want to pay it, and I will definitely suffer in the future. Prices are rising year by year. How much will it cost to pay 15 years of old-age insurance?

In private enterprises, if I pay the old-age insurance on 15 with the salary of 1350 yuan every month, how much will the social security pay me?

The collection of social security is an unknown. The social security levy is calculated according to the local average social wage in the previous year, plus1120 of the total amount of your employee account. This is the money you can receive!

If you pay a pension of 15, how much money you can get when you retire is unknown. But one thing is certain: the minimum level of local pension, because the minimum level of social security is the payment period 15 years. In addition, pensions vary from place to place and from year to year.

Employees who have paid the insurance premium 15 years can enjoy the basic old-age insurance benefits after reaching the statutory retirement age. If the employee joined the work after 1998 65438+ 10 1, the basic pension consists of two parts: the basic pension and the personal account pension. Employees will start work before 1 997 65438+February 3 1, and retire after1October1,and the first enrollment time will be 1997 65438+2.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.