How to deal with retirement without paying social security?

Only after paying social security for at least 15 years can you get a pension at retirement age.

1. If there is a company, even if the employees have not retired for 15 years, the enterprise will continue to pay fees until retirement; Individuals who pay social security can stop paying or continue to pay.

According to the local policy, we will definitely continue to pay well. Endowment insurance follows the principle of "pay more and get more". The higher the payment base, the longer the service life, and the more pensions you receive when you retire.

3. Pension insurance must pay the prescribed minimum payment period 15 years, and you can enjoy pension benefits (except for delayed retirement) when you reach retirement age (60 years for men/55 years for women).

How much social security retirement can you get after paying 15? Pension = basic pension+personal account pension. In which: basic pension = (average monthly salary of employees in the whole province last year+average monthly payment salary of myself) ÷2× payment period × 1%. Monthly basic pension = basic pension+personal account pension+transitional pension; Transitional pension = the average monthly salary of employees in the whole province last year at the time of retirement × my average wage index× 65438+payment period before February 3 1 \ (including deemed payment period \)× 1.4%.

take for example

A male worker in Beijing began to pay social security in 2002. 20 17 when he retired, he was already 60 years old. The average salary of employees in the last year was 7706 yuan. Suppose that in 15, his average salary is 4000 yuan, the proportion of individual and unit contributions to pension insurance is 8% and 20% respectively, and the personal account pension savings is 4000× 8 %× 65433.

Personal account pension = 57600139 = 414 yuan.

Basic account pension = (7706+4000) ÷ 2×15×1%= 878 yuan.

The monthly pension he receives after retirement is 4 14+878= 1292 yuan.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.