According to the "minimum" social security payment 15 years. How much "pension" can I get after retirement?

As the basic guarantee of people's life, social security is a topic closely related to people. Paying social security-related expenses is not a small expense, but it does provide us with a lot of protection.

Generally speaking, people who work in enterprises or units will pay five kinds of insurance, and some people will pay the so-called one gold or even two gold. The five risks mentioned here are social security.

With the increasing pressure of people's life in recent years, many young people began to calculate their retirement time and pension amount after retirement to see how many years they need to pay social security to ensure that their pension can live a carefree old age.

But in fact, many people don't calculate how much money they can get. Retired at the age of 60 and paid the "minimum" social security fund 15. How much pension can I get every month? Let's have a look.

China's relevant policies.

According to the data, the holding rate of social security card in China has reached 9 1.5%, which has been rising in the past two years.

With the improvement of our country's social security policy, the living standards of ordinary people are getting higher and higher, and more and more people participate in social security. However, although many people are paying social security, they don't know how the relevant policies are stipulated.

China's social security policy implements the principle of "pay more and get more". The longer and higher the level of social security paid by the insured before retirement, the more pensions and benefits will be received after retirement.

Endowment insurance is a kind of social security, and it is a particularly important life security. The insured person shall pay the social security fee according to the regulations every month. After a certain number of years, you can receive a monthly pension after retirement.

According to China's current policy, the minimum time to pay social security is 15 years if you want to receive a pension after retirement.

After fifteen years, the insured can also choose to continue to pay. In fact, many employees of state-owned enterprises or some stable units have worked for 30 or even 40 years, and the units have helped them pay social security for 30 or 40 years.

Compared with people who only paid 15 years of social security, people who can pay social security for 30 to 40 years will get more pensions after retirement. Therefore, this is the significance of our country's policy of "paying more and getting more". I advise you to pay more social security every month when you are young, so it will be easier to provide for the aged after retirement.

2. Minimum social security pension amount

Our country's social security is divided into several levels, from low to high, the cost is gradually increasing, and the rights and interests that can be enjoyed are also gradually increasing. The lowest level is 60%, and the highest level is 300%.

The payment level of most units will be determined according to the local average wage. For example, if the average salary is 5,000 yuan, then the payment base of social security is 5,000 yuan, and the fees that companies and individuals need to pay will be calculated according to this base.

The minimum payment base of social security in every city in China is different. At present, it can be found that the national average minimum payment base is 3368 yuan.

For the employees of the company, the company undertakes most of them, and the individual undertakes a small part, accounting for 92% and 8% respectively. Then we can calculate the minimum employee payment of 269.44 yuan, and the company will share 3098.56 yuan with us.

If it is flexible employment, the proportion of individual contributions will be higher, reaching 20%.

According to the minimum standard of 3,368 yuan, each flexible employee needs to pay 673.6 yuan per month. Compared with on-the-job employees, the salary proportion and amount of flexible employees are higher. Of course, this is only an average. Generally speaking, first-and second-tier cities can reach more than 654.38 million yuan.

See how much pension you can get after retirement by paying only 15 social security according to the minimum social security base standard. Our social security is divided into pooling accounts and individual accounts, and the monthly pension amount is the sum of the two. According to the pension formula, the pension you can receive after retirement is between 1000- 1500 yuan.

This amount is only calculated according to the current payment base. With the development of society and the improvement of people's living standards, the payment base of social security will gradually increase. With the increase of the payment base, the pension we can receive will gradually increase, and the specific value should be determined according to the actual social and economic situation.

3. When social security is interrupted, it can be paid in one lump sum.

Some people may ask, if the insured fails to pay enough social security fees 15 before retirement, can he receive a pension after retirement?

All the expenses paid before were wasted? Actually, it's not.

If the accumulated social security contributions are less than 15 years, but have reached retirement age, you can choose to pay them in one lump sum, so that you can enjoy the minimum standard pension.

In addition, although the minimum payment requirement of social security in China is 15 years, it is an inevitable trend to extend the payment time, which is mainly related to the aging population in China.

After several years of opinion polls, the current extension policy has not been fully implemented, so it is not clear how many years it will be extended, but it will certainly not be long, so you don't have to worry too much.

summary

From the text, we can know that the minimum social security payment and the pension after retirement are probably 1000- 1500 yuan. Although this amount can meet the basic living expenses of individuals, it is difficult to have any spare money occasionally. Therefore, in order to make life after retirement more disposable, we might as well pay more social security money now to provide more protection for our old age.