After the reform of the old-age insurance system, the social security contribution is 15. How to deal with retirement benefits?

Social security is one of the most important components of the social security system, which is a social and economic system that provides income or compensation to the urban population who are temporarily unemployed or unemployed due to physical and mental health. The main items of social security include social endowment insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance. The social security plan is controlled by the state, and a certain group is forced to use part of its income as social security tax to generate social insurance funds. Under certain conditions, beneficiaries can get fixed income or loss compensation from stock funds, which is a redistribution mechanism to ensure the production of chemicals and labor and social stability.

Some people think that retired workers in government agencies and institutions can receive four or five thousand yuan or even higher pension insurance every month. Does this mean that the social endowment insurance of government agencies and institutions is more cost-effective analysis? Actually, it's not.

Government departments and institutions carry out the reform and innovation of old-age insurance policies, and set up corresponding social old-age insurance for employees. Although the endowment insurance of institutions and companies are two different stock funds, they are the same commercial insurance payment mechanism and wage computer software.

Whether it is employees of companies or institutions, employers and employees bear social insurance premiums through social security payment, and the payment ratio is different. The payment base of institutions and employees is 8%, which is 20% of the benchmark payment base. The company's payer bears a part, which varies from place to place, and is generally 13% to 20%. After the promulgation of the comprehensive implementation measures for reducing social insurance rates in China, the payment of enterprises tends to be unified. Generally speaking, the payment of enterprises tends to be unified.

Although the proportion of enterprises' contributions across the country has obviously decreased, the calculation formula of our old-age insurance has not changed, mainly including old-age insurance and personal account old-age insurance. Endowment insurance is linked to the average social development salary of retired workers in the previous year, and a certain proportion of retirement salary is paid according to the payment period and the average payment level.

The endowment insurance in individual account is mainly calculated by dividing the balance of medical insurance account by the legal retirement age. The payment base is the key factor to determine the level of endowment insurance under the same payment period. The contribution of most government departments and institutions is about 1.5 ~ 2.0 times of the average contribution base of social development, while many employees pay according to 60%.

If the contribution is 2.0 times of the average household contribution base, the pension can receive 65,438+0.5% of the average social development wage of the previous year, and the employees of the company can receive 0.8% of the average social development wage of the previous year at 60% every year. This kind of pension insurance benefits will be nearly doubled, but in fact, the expenditure of pension insurance is more than twice the original.

According to the proportion of the deposit base, 8% of the payment base will be deposited into the personal account every month. If the deposit base is 6,000 yuan, 480 yuan will be credited to his personal account every month; If the payment amount is 20,000 yuan, 1600 yuan will be credited to the personal account every month.

Generally speaking, as you can see, as long as the deposit base is the same, the amount of social security contributions paid is the same, and the pension benefits generated in the future are the same. But the company's low payment amount may not be clear. In addition, in fact, government departments and institutions have also set up an enterprise annuity system.

That is, the supplementary pension system with individual contributions of 10% and enterprise contributions of 8% is equivalent to 1.5 times of personal account pension. The old-age insurance system belongs to the social security system that can be created, and companies can also create enterprise annuity system, but only a few companies have established enterprise annuity system at present.

In fact, the biggest problem now is the reform and innovation of institutions and the newly implemented endowment insurance policy. There is no problem with payment now. What should I do with my retirement benefits? According to the current standards, in addition to calculating and paying pensions, transitional pension benefits will also be paid to the previous payment years to make up for the shortcomings of personal account pension insurance and occupational pension insurance benefits before the implementation of the pension insurance system.

With the passage of time, if companies and institutions establish the same enterprise annuity system, regardless of whether the previous year is regarded as payment, the pension insurance benefits are the same under the same payment base. In the future, China will also establish individual pension rules and regulations.