Yantai self-employed self-employed social security in 15, how to enjoy medical insurance, and the calculation method of pension and personal account amount, thank you!

You have already enjoyed medical insurance. When necessary, provide social security number and calculation method. Jiaodong online Network September 24 (Reporter as correspondent) Retirement is a problem faced by every employee, and how much pension to receive after retirement has become the most concerned issue for employees. From 20 1 1 year 1 month 1 day, the basic pension for enterprise employees in Shandong Province began to be paid. What's the difference between the new method and the old one? How to calculate the pension of retired workers? In this regard, the reporter interviewed the relevant person in charge of Zhifu District Human Resources and Social Security Bureau.

The new calculation and payment method: those who retire within three years will be given subsidies and the basic pension will be reduced.

According to reports, in order to prevent the pension level of some insured persons with short payment period and low payment base from being significantly lower than that of similar persons who retired at the end of 20 10, the new calculation and payment method stipulates that for those who have gone through retirement procedures and the basic pension level has declined in the next three years, a certain amount of subsidies will be added, that is, when calculating pensions, pensions will be calculated according to the new calculation and payment methods and the original calculation and payment methods. If the pension calculated by the new method is higher than that calculated by the original method,

If the pension calculated by the new calculation method is lower than that calculated by the original calculation method, subsidies shall be given according to a certain proportion of the difference. The subsidy ratio is: 20 1 1 80% per year; 20 12 years 50%; 2065438+20% 2003. If you retire after 20 14, this subsidy will not be added.

How did the original calculation method calculate the pension?

The pension calculated and paid by the original method consists of six parts: basic pension, personal account pension, transitional pension, transitional adjustment fund, local subsidy and transitional subsidy. Lu Lao She [2006] No.51.

Basic pension = 1400.08 yuan × 20%;

Personal account pension = personal account accumulated amount120;

Transitional pension = indexed monthly average payment salary × years before account ×1.4%;

Transitional adjustment fund = 1 10 yuan+length of service;

Local subsidies =33 yuan;

Lu Lao She [2006] No.565438 +0 Transitional Subsidy = (Basic Pension+Transitional Pension) ×5%.

Remarks: 1, indexed monthly salary = 1400.08 yuan × average index.

2. Average monthly salary in Yantai in 2005 1400.08 yuan.

How does the new calculation method calculate the pension?

The pension calculated by the new method consists of four parts: basic pension, personal account pension, transitional pension and local subsidy.

Basic pension = (indexed monthly average payment salary +28 10.75 yuan) ÷2× payment period ×1%;

Personal account pension = personal account accumulation ÷ personal account pension months;

Transitional pension = indexed monthly average payment salary × years before account ×1.3%;

Local subsidies =33 yuan.

Remarks: 1, indexed monthly salary =28 10.75 yuan × average index.

2, personal account pension plan hair months:

Personal account pension for 50-year-old retirees is195;

55-year-old retirement personal account pension 170 months;

Personal account pension for 60-year-old retirees is139;

In 3.20 10, the average wage in Shandong province was 28 10.75 yuan.

The payment amount and payment period are directly proportional to the amount of pension received after retirement.

Through the comparison of the above calculation methods, it is found that the level of pension is directly proportional to the average index, payment period and payment base. The more social insurance premiums paid before retirement, the longer the payment period, and the more pensions you receive when you retire. On the contrary, the less.

At the same time, the Human Resources and Social Security Bureau of Zhifu District reminded retired workers to carefully verify their working hours, retirement time, payment years and their payment base over the years when going through retirement procedures. Whether these basic data are correct or not is related to the accurate calculation and payment of employee pensions.