There are several grades of years of pension

There are four grades of pension contribution years, which are the lowest grade, the first grade, the second grade and the third grade. Rural pension age is male workers need to be 60 years old, female cadres 55 years old, female workers 50 years old.

I, pension contribution years grade

Pension contribution years are divided into four grades, respectively, the lowest grade, first grade, second grade, third grade. According to the principle of voluntary participation, no matter which grade you choose, as long as you have paid continuously for 15 years and have reached the retirement age specified by the state, you can receive a pension. The minimum contribution shall not be less than 40% of the employee's average monthly salary, not less than 60% for the first tier, not less than 80% for the second tier, and not less than 100% for the third tier. It is also possible to choose to make individual contributions to pay for old-age insurance. Contribution standards are currently set at 100 yuan, 200 yuan, 300 yuan, 400 yuan, 500 yuan, 600 yuan, 700 yuan, 800 yuan and 900 yuan per year.

Second, pension insurance pension process

1, full age retirement

Enterprise personnel will carry personal files, pension insurance contribution records and other information to the local social security bureau for information verification, the audit can be passed in the next month to receive the pension, individuals can also be completed with information.

2, early retirement

For special types of work can be early retirement, the need for individuals to apply first, one week after the unit will be the results of the audit will be publicized, in addition to the need for individuals to provide personal files, pension insurance payment records and other information, but also to carry the information for the public for the retirement formalities, the completion of the process to receive a pension the following month.

3, early retirement due to illness

need to go through a medical appraisal, to meet the conditions stipulated by the Social Security Administration, you can go through the retirement procedures, in the next month to receive a pension. Pension insurance is a very important part of the five insurance, the payment ratio is also the highest, by the company to bear 20%, individuals bear 8%. If the average salary of local employees at the end of the year is 3,000 yuan, the minimum contribution base (60%) is 1,800%, then the amount of money paid by the company and the individual a **** each month is 504 yuan.

Three, the rural pension age is how much

The rural pension age is 60 years old for male workers, 55 years old for female cadres, and 50 years old for female workers. Legal Express reminds you that, according to the Ministry of Human Resources and Social Security documents, individuals who participate in the basic pension insurance for employees to reach the legal retirement age, the accumulated contributions of less than 15 years, you can extend the contributions until the full 15 years.

Those who participated in the insurance before the implementation of the social insurance law and still have less than 15 years of contributions after extending their contributions for five years can make a one-time contribution until they reach the full 15 years. The basic pension calculation method is implemented according to the relevant regulations of the provincial government. Article 16 of the Social Security Law of the People's Republic of China*** and the People's Republic of China, individuals who have participated in basic old-age insurance and who have contributed for a total of fifteen years by the time they reach the legal retirement age, will receive a basic old-age pension on a monthly basis.

Four, the basic role of old-age insurance

Old-age insurance is the livelihood security of the elderly as an indicator, through redistributive means or savings to establish an insurance fund to pay for the living expenses of the elderly. Its implementation has the following roles:

1. Beneficial to ensure the reproduction of labor force

Through the establishment of the pension insurance system, it is conducive to the normal intergenerational turnover of the labor force group, the old people retired from old age, the new growth of the labor force smooth employment, to ensure the rationalization of the employment structure.

2, conducive to social security and stability

Pension insurance for the elderly provides a basic livelihood security, so that the elderly have a sense of security in old age. With the arrival of population aging, the proportion of the elderly population is getting bigger and bigger, the pension insurance guarantees the basic life of the elderly workers, which is equal to guaranteeing the basic life of a considerable part of the population in the society. For the employed workers, participating in pension insurance means that they have an expectation of their future life after old age and are relieved of worries. In terms of social mentality, people are more stable and less impatient, which is conducive to the stability of the society.

3, conducive to the promotion of economic development

Countries to design pension insurance system will be more fair and efficiency, especially the partial accumulation and full accumulation of the pension mobilization mode. The amount of pension that a worker receives after retirement is directly related to his/her wage income and contribution during his/her working life, which undoubtedly creates a kind of incentive for workers to work actively during their working life and improve efficiency.

Legal basis

The People's Republic of China Social Security Law

Article 16 Individuals who have participated in basic old-age pension insurance and have made contributions for a total of fifteen years by the time they reach the legal retirement age shall receive a basic old-age pension on a monthly basis.

Individuals who have participated in basic old-age insurance and have contributed for less than fifteen years when they reach the legal retirement age may contribute until they reach the full fifteen years and receive a basic pension on a monthly basis; they may also be transferred to the new type of rural social old-age insurance or the urban residents' social old-age insurance, and enjoy the corresponding old-age insurance treatment in accordance with the provisions of the State Council.