How much do you get every month after social security 15?

According to the statistics of Ministry of Human Resources and Social Security, in 20 19, the number of social security card holders in China exceeded1300 million, covering more than 93% of the population, and the number of electronic social security cards issued exceeded 80 million. This shows that in China, the social security penetration rate is very high. Although everyone knows that you can get a pension after you have paid 15 years of social security, few people know how much pension you can get. Then come with me today to learn about retirement.

1. Pay 8,000 yuan of social security every year for 15 years. How much pension will you receive every month after retirement?

First of all, we need to know how to calculate the endowment insurance, as shown in the following formula.

Pension = personal account pension+basic pension

Personal account pension = personal account deposit ÷ months (generally, retirement at 50 is 195 months, retirement at 55 is 170 months, and retirement at 60 is 139 months).

Basic pension = average monthly salary of local employees in the previous year *( 1+ my average payment index) ÷2× payment period × 1%

Pension consists of personal account pension and basic pension. The pension we receive every month is influenced by many factors, such as the payment base, the average wage of the local society, the payment period, the payment grade and so on.

If we live in a local endowment insurance payment base of 8,000 yuan, and the payment period is 15, assuming that we have paid enough 15, and the average monthly payment index of employees last year was 10000 yuan, then when we reach the legal retirement age, the principal and interest of the amount stored in our personal account will be120,000 yuan.

According to the pension formula, we can get the basic pension 1875 yuan every month after completing the retirement formalities.

10000× (1+2×15%). In addition, if you retire at the age of 50, your personal account pension will be 6 15 yuan.

In short, if you pay 15 according to the annual pension insurance payment base, and the average monthly salary of employees in the previous year is 10000 yuan, then the total pension you can receive every month is 1875+6 15 = 2490 yuan.

2. How long does it take to pay endowment insurance according to 8000 yuan per year?

If the employee pension insurance is paid according to the payment base of 8,000 yuan per year, the total social security payment is120,000 yuan. According to the appeal formula, the monthly pension we receive after retirement is 2490 yuan, and the payback period of120,000 yuan may be 4 years according to the 5% increase of pensions over the years.

On the other hand, if the insured person goes through the retirement formalities every year and is in good health, he can return his personal social security total payment after four years of retirement.

However, if the insured dies of sudden illness before the pension is repaid, the remaining amount stored in his personal account will be collected by the legal heir, and he can also enjoy the corresponding funeral expenses and subsidies.

How can I pay it back if it doesn't exceed 15?

There was an interruption during the payment of social security, resulting in continuous payment of 15 years. At this time, you can choose to pay social security, but there are certain procedures for paying social security.

The procedures required to pay social security are as follows:

(a) in the same payment year, the insured who has paid this year's old-age insurance premium can pay for multiple times in the same payment year if there is an alternative payment period.

(II) When applying for overdue payment, the insured shall submit an application for overdue payment to the agency of basic old-age insurance for urban and rural residents with the original ID card, and the agency shall repay the payment according to the payment standard and repayment period selected by the insured at the time of overdue payment.

(III) The staff of the basic old-age insurance agency for urban and rural residents shall, according to the application of the insured, print the Application Form for Repaying the Basic Old-age Insurance for Urban and Rural Residents (hereinafter referred to as the Application Form for Repaying), which shall be signed and sealed by the handling personnel after confirmation.

(four) the person who applies for payment shall pay the fee at the designated bank with the Application Form for Payment and his ID card.

(5) In the same payment year, the information system of the next natural year will automatically void the receiving plan of the previous year, and will not generate the receiving plan of the next year for the insured. After the insured himself holds the original ID card to the agency to select the payment standard and payment period for the next year, the agency will print and receive the plan sheet for him, and the insured will pay the fee at the designated bank with the plan sheet.

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