Jiangsu announced the upper and lower limits of the social security payment base in 2022. What problems should we pay attention to?

In 2022, the lower limit of Jiangsu social security payment base will be raised from 3,800 yuan to 4,250 yuan, and the upper limit will be temporarily implemented at 2 182 1 yuan. Many people may lament that the payment base has increased a lot of money, especially the minimum payment base has increased in 450 yuan. Flexible employees pay 20% of the fee, and the monthly endowment insurance premium of flexible employees is more than that of 90 yuan, which is 1080 yuan a year. If it is an enterprise, the total cost will increase by 108 yuan per month (individual 36 yuan, unit 72 yuan).

First, the earlier the endowment insurance is paid, the more money will be saved.

In fact, 4250 yuan is the lower limit of the payment base calculated according to the previous wage increase, and it is a transitional base lower than the lower limit of 60% payment base. If calculated according to the proportion of 60%, it is about 4500 yuan. Because of last year's epidemic, the lower limit of the payment base of endowment insurance will not be adjusted in 2020, so it will take 2-3 years to return to 60% of the average social wage level last year. Jiangsu province adopts a three-year transition mode.

With the passage of time, the average social wage in China is constantly increasing, with an annual growth rate of 8%~ 10%. If you don't pay now, the burden will be heavier in the future. At present, the deposit interest rate of banks and the yield of government bonds are getting lower and lower. Can you save your own money and manage your finances, and the annual rate of return can reach 8%~ 10%?

In addition, although retiring now means that you can receive a monthly pension after paying the old-age insurance 15 years, the future may not be certain. Because Ministry of Human Resources and Social Security's "14th Five-Year Plan" proposes that in addition to promoting delayed retirement, the minimum payment period for receiving pensions should be raised. The later you pay, the harder it is.

Second, the endowment insurance is very generous, and the more you pay, the more you get.

The higher the payment base, the higher the pension benefits. Our pension calculation formula mainly includes basic pension and personal account pension. With the increase of the payment base, the average payment index when calculating the pension will also increase, and the accumulated balance of the personal account pension will be more, and the calculated pension will naturally be higher.

In fact, if you pay 15 years according to the base of 60%, the time to return to the capital will be 108 months when the average social wage remains unchanged. However, in 202 1, the calculation and payment base of pensions in Jiangsu Province has reached 7974 yuan, exceeding the social pension payment base. In addition, the calculation base of pension is increasing every year. Our time back will only get shorter and shorter.