Social Security How to get a pension after 15 years of social security payments

Social security paid month after month, year after year, month after month, many people are continuously insured until retirement. Social security paid 15 years, retirement can receive a pension, this is a well-known thing, SO paid 15 years of social security, retirement pension is how to receive it?1, what is the pension? The "five insurance" in the "five insurance" includes pension insurance, medical insurance,... Want to know more about the social security payment 15 years after the pension is how to receive the knowledge, follow me to see it.

Social security paid month after month, year after year, month after month, many people are continuously insured until retirement.

Social security paid 15 years, you can receive a pension after retirement, this is a well-known thing, so pay 15 years of social security, retirement pension is how to receive it?

1, what is the pension?

"Five insurance and one gold" in the "five insurance" including pension insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance, "one gold" refers to the housing fund.

Pension insurance is paid by the unit and the individual *** with the individual part of the payment stored in the personal pension account, the company paid all the part of the storage in the integrated fund, in the employee social security accumulated contributions for 15 years after retirement, every month there will be a sum of money issued to you, which is the old age pension, also known as the retirement pension.

And, the standard of the pension will be adjusted year by year, the longer you live, the more pension you can receive every month in the future.

2, pay 15 years to get

China's current Social Insurance Law provides that pensions need to be paid for 15 years, and to the legal retirement age before you can receive.

Simply put, the pension insurance must pay enough 15 years, after retirement to receive a monthly pension.

Does social security need to be paid continuously?

The 15 years of social security, here refers to the cumulative number of years of payment, in the middle can be interrupted, of course, if not interrupted better, so that compared to the interruption of the insured workers, the retirement pension will be able to receive a little higher.

Social security paid 15 years still need to pay again?

Social security is mandatory for enterprises and employees, so as long as the active workers before reaching the national legal retirement age, theoretically need to continue to pay social security.

What if I have not completed 15 years of social security?

According to the relevant provisions of the Social Insurance Law, individuals who have participated in pension insurance and have accumulated less than fifteen years of contributions by the time they reach the statutory retirement age can continue to contribute until they reach fifteen years.

There is a deadline here: if the extension of the contribution 5-10 years after the employee has reached the age of 60, or less than 15 years, then the partners can make up the rest of the money at one time ...

3, social security paid month after month, how much can I collect after retirement?

Pension formula:

Monthly pension in hand = monthly basic pension + monthly personal account pension

(1) monthly basic pension = (the average monthly salary of all employees in the province in the previous year + my indexed average monthly contribution salary) ÷ 2 × years of contribution × 1%

(2) personal account pension = balance of personal account ÷ number of months of payment (50 years old is 195, (170 at age 55 and 139 at age 60)

4. Where do I get my pension after retirement?

1, social security in the domicile of the retirement of the local to receive

For example, you are domiciled in Beijing, the work is also in Beijing, pension insurance has been in Beijing to pay, then when you retire, you can handle the pension in Beijing to receive.

2, in the cumulative contributions of 10 years in the region to receive

For example, your household registration in Hebei, work in Beijing, pension insurance has been in Beijing to pay, as long as the cumulative contributions of 10 years, you can handle the pension in Beijing to receive.

3, not enough years, turn the last full years of contributions to receive

For example, your household registration in Hebei, near the retirement work in Shenzhen, but in Shenzhen to pay the pension insurance less than 10 years. Then, if you have 10 years in your last place of work in Beijing, you can get your pension in Beijing.

4, more years are not enough, the funds are pooled in the domicile

For example, you are domiciled in Hebei, worked in Beijing for 8 years, and worked in Guangzhou for 7 years, to the time of retirement, the cumulative total of each place to pay the pension insurance is less than 10 years, you can only return to the domicile of the Hebei to handle the pension.

5, more than one place to pay 10 years, in the last full-year payment place to receive

For example, your domicile in Ningbo, respectively, in Shenzhen, Beijing successive payment full 10 years, the final receipt of the place for Beijing.

6, pay not enough years, retirement can not put the money out

To the retirement age does not meet the monthly pension, the participants can apply for a one-time recovery of pension insurance personal account storage amount (including principal and interest), social security departments to terminate their pension insurance relationship.

7, cumulative 10 years to receive the decision conditions of the place is what

must first meet the conditions for receiving pensions (reach retirement age, and cumulative payment of pension insurance for 15 years), cumulative 10 years to receive the decision conditions of the region, for example, you just started to work in Shenzhen for 3 years, and then went to Shanghai, and then came back after that, as long as a cumulative total of 10 years in Shenzhen to pay for the Pensioner.

8, paid the same why the hand is not the same

Because the calculation of the pension is not only related to your personal pension account balance, but also with the receipt of the location of the average social security salary.

For example, the average social wage in Beijing is 7086 yuan, Tianjin is 4944 yuan, under the same conditions, you receive a pension in Beijing more than in Tianjin!

5, how to receive a pension after retirement

Pension eligibility certification

This is a voucher to receive a pension after retirement, all retired people must be certified every year before the pension will be issued on time. The insured workers bring the original ID card, the original household register and the original retirement certificate to the neighborhood committee to register for it!