The Latest Standards of Retirement Policy in Xiamen in 2023

1. What is the minimum pension standard in Xiamen?

Article 7 of Chapter I of the Notice on Standardizing the Management of Retirement Examination and Approval stipulates that "the retirement age of female employees is determined according to their pre-retirement positions, among which, female cadres who have worked in workers' positions for five years before retirement will retire at the age of 50; Female employees who have worked in management positions for five years before retirement will retire at the age of 55. "

Pension = personal account pension, basic account pension;

Personal account pension = personal account pension savings divided by the number of months;

Basic account pension = (the average monthly salary of employees in the whole province last year, and my average monthly payment salary is indexed) divided by 2× payment years × 1%.

Among them, the personal account pension not only pays the amount of endowment insurance, but also bears interest every year. In the past, the annualized interest rate was 2%-3%, and 20 16 was adjusted to above 8%. The number of months calculated is determined according to the retirement age and the average life expectancy at that time. At present, the retirement age is 50 195, 60 139, 65 10 1. The earlier the retirement age, the longer the number of months, and the less the monthly pension.

2. What are the criteria for receiving social security pension?

The social security pension collection standard needs to be calculated according to the social security base paid by the parties.

1, the calculation method of social security pension is as follows:

Formula 1: Personal account pension = personal account storage amount ÷ payment months.

(The calculation months are determined according to the retirement age and the average life expectancy of the population at that time. The calculated number of months is slightly equal to

* 12。 At present, 50 years old is 195, 55 years old is 170, and 60 years old is 139.

Formula 2: Basic pension = (the average monthly salary of employees in the whole province in the last year, the average monthly payment salary of myself) ÷2× payment years × 1%= the average monthly salary of employees in the whole province in the last year (1 average payment index) ÷2× payment years × 1%.

(My indexed monthly average payment salary = last year's average monthly salary of employees in the province × my average payment index)

Formula 3: Pension = basic pension, personal account pension.

2. Matters needing attention in calculating social security pension

The higher the payment base of 1, the longer the payment period and the higher the pension.

In the case of the same payment period, the level of basic pension depends on the average individual payment index, that is, the historical average of the ratio of its actual payment base to the average social wage. The lower limit is 0.6 and the upper 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.

After receiving personal account pension, continue to issue basic pension.

Pensions are fixed indefinitely. As long as the recipient is alive, he can enjoy a monthly pension. Even if the personal account pension has been used up, he will continue to pay the basic pension according to the original standard. Moreover, personal pension will increase year by year with the increase of the average monthly salary of employees in society.

The social security pension collection standard needs to be calculated according to the social security base paid by the parties. General social security pension can be calculated in three ways. The first way is to divide the amount stored in the original personal account of endowment insurance by the relevant month. The second way is that the pension is the amount in the personal pension account.

First, how to calculate the amount of retirement pension?

The formula for receiving pension after retirement: total monthly pension = basic pension+personal account pension.

Basic pension = (average monthly salary of employees in the previous year+average monthly payment salary of myself) ÷2× payment period × 1%. Personal account pension = personal account storage amount ÷ personal account pension calculation and issuance months

Case: At present, the father's nine-year 900 yuan is 8100 yuan. At the age of 60, the treatment is calculated according to the insured person (total individual payment+interest over the years+subsidy)/139+ basic pension (95 yuan) = monthly treatment amount of the insured person. The staff of the County Human Resources and Social Security Bureau inquired in the business system that Xin's father had paid 9 years ×900 yuan =8 100 yuan, but the one-time overdue payment of 900 yuan and 15 yuan due on 20 18 has not yet arrived (it is expected to be deducted on 0/5 this month). If it is received in full, the total payment of the letter will be paid.

According to the calculation formula: (13500 yuan+current accumulated interest of 882.55 yuan+current subsidy of 5 10 yuan)/139+ basic pension (95 yuan) = 202.5438+04 yuan. Because Xin's father still has the unpaid amount, according to the current payment situation, the amount received should increase slightly when the actual treatment procedures are handled.

Second, can the pension be withdrawn in advance?

Pension is generally not allowed to be withdrawn in advance. There are only two situations in which you can withdraw your personal part in advance: one is to go abroad to settle down, and the other is to die. If you haven't paid 15 years when you retire, you can only extract the personal part.

The social security we paid went into two accounts: the overall account and the personal account. If we die before retirement, the heirs can inherit the money in the personal account.

It can be seen that employees can enjoy pension benefits after paying pension insurance 15 years and reaching the legal retirement age. The pension payment base is calculated according to the average salary of employees, and the pension payment ratio is 1%, and employees pay 1% every full year. Therefore, employees should try their best to ensure the continuity and stability of paying social security, so that they will get more pensions when they retire.