Calculation method and formula of Shenyang old-age insurance in 2022

Calculation method and formula of Shenyang old-age insurance in 2020

Calculation method:

Pension = basic pension+personal account pension.

I. Personal account pension:

= number of months of deposit in personal account (50 years old 195, 55 years old 170, 60 years old 139)

Second, the basic pension:

= (last year's average monthly salary of employees in the whole province+my indexed monthly average payment salary) ÷2× payment period × 1%

= Average monthly salary of employees in the whole province in last year (1+ average payment index) ÷2× payment period × 1%.

Note: (in the formula: my indexed monthly average payment salary = the average monthly salary of employees in the whole province last year × my average payment index)

1, the age is less than the legal retirement age, and the cumulative storage in personal account exceeds the normal retirement months.

2. Calculation formula of basic pension for retired workers, (average salary of workers in provinces and cities in last year * 20%+ 1995, principal and interest of storage amount calculated before the end of the year/120+ adjustment fund) *(65438+ 0 years in advance *2%)

3. The calculation formula of normal retirement basic pension is the same in China, but there are some differences among provinces and cities. You should consult the local social security agency, subject to local policies.

4. As can be seen from the above formula, under the condition of the same payment period, the level of basic pension depends on the average payment index of an individual, that is, the historical average of the ratio of his actual payment base to the average social wage. The minimum limit is 0.6 and the maximum limit is 3. Therefore, in the two kinds of calculation of pension, no matter what the situation, the higher the payment base and the longer the payment period, the higher the pension.

5. Pension is stipulated indefinitely. As long as the recipient is alive, he can enjoy a monthly pension. Even if the personal account pension has been used up, it will continue to be paid according to the original standard, and the personal pension will increase year by year according to the average monthly salary of employees in society. Therefore, the longer you live, the more you can get, which is definitely more cost-effective than paying.

The new policy of endowment insurance has aroused public concern. On the morning of February 12, many citizens and netizens called the People's Livelihood Connection column to ask questions about endowment insurance, and several experts answered them one by one.

Guest of this issue

Shenyang labor resources social security bureau

Deputy director of Zhou endowment insurance department

Municipal Administration of Social Endowment and Industrial Injury Insurance

Liu Bin, Director of Enterprise Division

Gao Nan, Deputy Director of Personal Business Department

Chen mijun, deputy director of payment department

Q: When do individual insurance banks need to deposit money for withholding?

Answer: The bank withheld and remitted the pension insurance premium from June 18 to June 24, and the payer deposited the pension insurance premium due in the current month into ICBC before June 18, and inquired about the withholding and remitted situation at any branch of ICBC after the 25th of each month.

Endowment insurance consultation telephone number: 82

Flexible employment personnel can pay for 7 files.

The payment grade of pension insurance for flexible employees in Shenyang has increased by 200% and 300% respectively from the original five grades of 60%, 70%, 80%, 90% and 100%, and the payment base has been adjusted from the original 4 158.33 yuan to 437 1.83 yuan. If the insured pays at the minimum level of 60%, the flexible employees will pay at least 25.62 yuan more each month after adjusting the base. In addition, after the payment base is selected, it will not be adjusted within a social security year (from July of that year to June 30th of the following year).

Payment of 15 years is one of the basic conditions for receiving pension.

According to the provisions of the Social Insurance Law, individuals who participate in the basic old-age insurance will receive the basic old-age pension on a monthly basis when they reach the statutory retirement age and have paid for 15 years.

Individuals who participate in the basic old-age insurance for employees reach the statutory retirement age, and the accumulated payment is less than fifteen years, they can be extended to fifteen years as flexible employees. "Social Insurance Law" has been insured before the implementation, but it is still less than fifteen years after the extension of payment for five years, and it can be paid in one lump sum for fifteen years. The base of wholesale payment is the average wage of employees in this city in the previous year at the time of wholesale payment, and the proportion of wholesale payment is the proportion of flexible employees at the time of wholesale payment; Its basic pension is calculated and paid according to the basic pension plan for flexible employees at the time of payment.

Accumulated payment 15 years (including deemed payment period) is only a basic condition for receiving basic pension. As long as employees have not reached the statutory retirement age and are still employed and have income, they must pay the basic old-age insurance premium in full and on time. If the payment is interrupted, it will directly affect the pension level after retirement.

If the five-year fee is less than 15, it can be paid in one lump sum.

If the insured reaches the statutory retirement age before June 30, 20 1 1 year, and the extension of payment for five years is still less than 15 years, the remaining years will be paid in one lump sum according to the payment base of the original extension of payment for the fifth year. The retirement time is the time when the one-time payment is completed, the pension is calculated and paid according to the method when the one-time payment is completed, and the basic pension is paid monthly from the month after the retirement formalities. The index of each natural year in the wholesale payment period is calculated according to the average wage of employees corresponding to the payment base at that time (that is, the index of each year in the wholesale payment period).

Equivalent).

The payment base affects retirement benefits.

The Social Insurance Law stipulates that employees should pay the basic old-age insurance premium according to the proportion of their wages stipulated by the state and record it in their personal accounts.

The employee's personal contribution base is his salary. Shenyang city pays endowment insurance based on employees' salary last month. The individual payment base is not less than 60% of the average monthly salary of employees in Shenyang last year and not higher than 300% of the average monthly salary of employees in Shenyang last year; The part that exceeds 300% of the average monthly salary of employees on the job is not included in the personal contribution base, nor in the pension base. Setting the upper and lower limits of the individual contribution base is mainly to consider that the pension after retirement can guarantee the basic living needs of employees and avoid the pension gap between retirees is too large. If some units do not pay according to the policy, step-by-step payment is in violation of the provisions of the social insurance law. Although the operation is simple, it may cause employees to have high wages and less pay, employees with low wages and employees with high wages and less pay, so the calculation of retirement pension is relatively small.

I only paid 15 old-age insurance, and now I retire about 700.

According to the relevant regulations, the old-age insurance is overpaid. Pension = basic pension+personal account pension. The length of payment period, payment base and payment grade will directly affect the amount of pension. If conditions permit, it is best for the insured to choose a higher payment grade and pay the endowment insurance premium in full to avoid default, so as to improve their pension benefits.

If you only pay 15 pension insurance, you can retire now, and you can get around 700 yuan every month according to the existing pension benefits.

Retirees living in different places can open QQ for authentication.

In order to improve the effective pension certification system for retirees, the social security department will cancel the public security household registration certification as the basic certification method for retirees in Shenyang, and at the same time formulate corresponding preventive measures for possible dead ends. First, it has been tracked and verified through various cultural and sports activities organized by the community; The second is to visit the household for verification; Third, a consultation telephone, a special QQ number and an online video authentication system have been set up for retirees living in different places, which can be used for pension qualification authentication and policy consultation; Fourth, compare the list of cremators provided by Xinmin, Liaozhong, Kangping and Faku funeral departments for our social security department with the retiree information database every month to prevent the deceased in remote areas from canceling their household registration in time; Fifth, in order to prevent retirees buried underground from defrauding their pensions, an understanding has been reached with the Municipal Ethnic Affairs Committee, and relevant departments will provide the social security department with a list of people buried underground after death every month. The new authentication method not only embodies humanization, but also forms a relatively complete authentication system for retirees to receive pensions.

What steps does it take to transfer from other cities in this province to Shenyang to run personal endowment insurance?

It takes five steps to transfer from cities inside and outside the province or from enterprises insured by the Provincial Social Security Bureau to Shenyang. First of all, the transfer of the old-age insurance agencies issued the "basic old-age insurance payment certificate"; Secondly, citizens hold a "basic pension"

Insurance payment voucher "and residence booklet, ID card to Shenyang Social Pension and Industrial Injury Insurance Administration for personal transfer procedures; Then the personal department sends an electronic transfer "contact letter" to the original insured place through the online platform of the Provincial Social Security Bureau; After receiving the electronic contact letter, the original insured place sends the electronic transfer information form and transfer funds to Shenyang Social Security through the online platform; Finally, after receiving the electronic version of the Information Form and the funds, Shenyang Social Security Bureau informed me by SMS to go through the connection procedures at the district branch where the account is located.

Retirement of special jobs must conform to the regulations.

During the working period of the enterprise, the employees have actually worked in heavy manual labor and aerial work positions for 10 years; Working in high temperature and underground post for 9 years; Those who have worked in other posts that are harmful to health for 8 years, and whose files are accurate and true, are 55 years old for men and 45 years old for women, and whose payment period (including deemed payment period) 15 years, and have paid in full according to regulations during their employment, can apply for retirement according to special types of work with the consent of the unit and the approval of the human resources and social security department.

If false social security materials are submitted, the purchase certificate will be cancelled and recorded in the personal or unit credit information system.

Where is the social security transfer-out payment voucher printed?

Do I need to go to the social security details?

What information does the employer in Shenzhen need to provide for foreigners to participate in insurance?