The social security personal account balance is only 30,000.

The term of endowment insurance is 15, and the total account is 30,000. How much pension can I get in 2022? With calculation details

Recently, some netizens asked, just turned 60 in 2022, the payment period of old-age insurance 15, and the total account amount was a little over 30,000. How much pension can I get in 2022?

In fact, the payment information of the old-age insurance reflected by this netizen is 15 years, and the total personal account of the old-age insurance is more than 30,000. If it is urban and rural residents, the payment standard is not low, and it should be paid according to the upper-middle grade. If it is social security for flexible employees or social security for companies, the total account is only over 30,000, which is very small and abnormal. Unless the employee pension insurance system has been continuously paid 15 years from the beginning, the account will not only be 30,000 yuan, but at least 70,000 yuan or 80,000 yuan.

According to the above analysis, we can easily sort out the following endowment insurance information:

1, this netizen should pay endowment insurance for urban and rural residents, not social security for flexible employees or social security for the unit;

2. The payment period is 15, and the total account is 30,000 yuan, which means that the old-age insurance is paid at the level of 2,000 yuan every year, and the 200 yuan payment subsidy is enjoyed every year. Therefore, regardless of the bookkeeping interest rate, the accurate personal account totals 33,000 yuan;

3. Receiving a pension at the age of 60 means that the number of months of pension payment is 139, which is the total personal account received in 139 months;

4. The household registration is unknown, and the basic pension is to be determined, but the personal account pension has been determined, which is equal to 33,000 ÷139 = 237.4 yuan, which is a unified calculation standard in the country.

How much is the monthly pension? See where to get it?

According to the old-age insurance policy for urban and rural residents, monthly pension = basic pension+personal account pension consists of two parts, but it is emphasized that some places have introduced individual payment incentive subsidy policies. For example, Chuzhou stipulates that if the total personal account reaches 30,000 yuan at the age of 60, the basic pension in 60 yuan will be increased.

Then, with the fixed number of years of 15 and the total account of 30,000, how much pension can you get in 2022? The key is where to collect it? Because basic pension includes central basic pension and local basic pension, the central basic pension is 98 yuan/month, which is the national standard. The biggest difference is local basic pension, because local basic pension is related to local financial resources. As we all know, the economic development in different regions is uneven. As far as the basic pension for urban and rural residents in China is concerned, Shanghai is the highest, at 1.300 yuan _ month, followed by Beijing, at 887 yuan _ month, and Guizhou, Gansu, Liaoning and other provinces are the lowest, such as Gansu, at 1.65438 yuan _ month and Guizhou.

The answer is that the basic pension plus personal account pension, if in Shanghai, the pension is 1537 yuan _ month, which is equivalent to the pension level of people with retirement years 15 years; In Beijing, pension 1 124 yuan _ month; In Guizhou, the pension is 350 yuan _ month; In Anhui, the pension is 420 yuan _ month. Therefore, as long as we know how much basic pension there is in our place of residence, plus personal account pension, it is not difficult to work out how much pension we can receive in 2022, with the age of 15 and the total account of 30,000.

What should I do if my personal account balance is insufficient?

At present, the social security payment window has been closed since 20 16, but the old-age insurance for urban and rural residents is still allowed to make up the difference at one time and make up the 15 policy. In other words, urban and rural residents with conditions are welcome to make a one-time payment, increase the accumulation of personal accounts and improve the pension level of personal accounts, which is the only way for us to change the pension level. But then again, maybe one day in the future, it is very possible that the old-age insurance for urban and rural residents will stop paying. After all, no one can say for sure about the future. Therefore, it is recommended to make up early and make up more.

What should I do if my personal account balance is not used up?

Personal account balance 139 months. In case you don't get it, the balance can be inherited by your immediate family members, and you can also enjoy a one-time funeral allowance for 980 yuan. After receiving 139 months, the personal account balance will be collected. At this time, the personal account pension is paid by the overall fund until the month of death.

Therefore, in the process of payment, urban and rural residents suggest paying early, paying more and paying longer to improve the pension level. If there is still a chance to pay back the money in one lump sum, you must seize it. After all, the money paid back is included in your personal account, which belongs to you and does no harm to yourself.