What is the standard of social insurance pension?

Social insurance pension standard is based on different areas of different people, in general, can be based on the sum of the basic pension and personal pension to determine the pension, in specific cases you can consult with the social security department of the relevant personnel to make a legal determination.

A. What is the standard for social security pension?

The social insurance pension standard is based on the situation in different regions, the retirement salary is calculated as the sum of the basic pension and personal account pension. The basic pension = (the average monthly salary of local workers in the previous year when the participant retired the average monthly contribution salary of the indexed monthly salary of the person) ÷ 2 × the cumulative number of years of personal contributions × 1%; personal account pension = personal account savings ÷ the number of months of payment.

Social Insurance Law on Pension Insurance

Article 10 of the employees shall participate in basic pension insurance, the employer and the employee **** the same basic pension insurance premiums.

Individual industrial and commercial households without employees, part-time workers who do not participate in basic pension insurance with their employers, and other flexibly employed persons may participate in basic pension insurance and pay the basic pension insurance premiums by themselves.

The methods of pension insurance for civil servants and staff managed under the civil service law shall be prescribed by the State Council.

Article 11 of the basic pension insurance to implement the combination of social coordination and individual accounts.

The basic pension insurance fund consists of contributions from employers and individuals, as well as government subsidies.

Article 12 The employer shall pay the basic pension insurance premiums in accordance with the state regulations of the proportion of the total wages of the employees of the unit, credited to the basic pension insurance fund.

Employees should pay the basic pension insurance premiums in accordance with the proportion of their own wages stipulated by the state and credited to their individual accounts.

Individual industrial and commercial households without employees, part-time workers who do not participate in the basic pension insurance of the employing organization, and other flexibly employed persons to participate in the basic pension insurance shall pay the basic pension insurance premiums in accordance with the state regulations, which shall be credited to the basic pension insurance general fund and individual account respectively.

Article 13 of the state-owned enterprises, institutions and employees to participate in basic pension insurance, the basic pension insurance premiums should be paid during the deemed contribution years by the government.

The government will subsidize the basic pension insurance fund in case of underpayment.

Article 14 of the individual account shall not be withdrawn in advance, the interest rate shall not be lower than the bank time deposit rate, exempt from interest tax. If an individual dies, the balance of the individual account can be inherited.

Article 15 of the basic pension consists of the integrated pension and individual account pension.

The basic pension is determined by the cumulative number of years of individual contributions, contribution wages, the average wage of local workers, the amount of individual accounts, the average life expectancy of the urban population and other factors.

Article 16: Individuals who have participated in basic old-age insurance and have made contributions for fifteen years when they reach the statutory retirement age shall receive a basic pension on a monthly basis.

The individuals participating in the basic pension insurance, to reach the legal retirement age when the accumulated contributions of less than fifteen years, you can contribute to the full fifteen years, receive a monthly basic pension; can also be transferred to the new rural social pension insurance or social pension insurance for urban residents, in accordance with the provisions of the State Council to enjoy the corresponding old-age insurance treatment.

Article 17 to participate in the basic pension insurance individuals, due to illness or non-work-related death, the survivors can receive funeral grants and pensions; in the case of not reaching the statutory retirement age due to illness or non-work-related disability and total loss of working capacity, you can receive a disability allowance. The required funds are paid from the basic pension insurance fund.

For the specific handling of social security insurance, it is necessary to distinguish between different types of social security to identify,

especially when it comes to the specific content of the pension, but also need to be strictly based on the actual social security situation to carry out the legal determination, if the relevant situation is not clear, you can consult the social security department to understand.