Can Beijing social security not be returned?

1, social security cumulative calculation, it doesn't matter if it is not supplemented.

2, there is no mandatory payment, on the contrary, it is difficult to make up.

3. If the company pays the company part, the individual must pay the personal part (this is the best payment). The company does not make up the company part, and the individual cannot make up the personal part.

4. If you can reach 15 years when you retire, it is even more unnecessary, and both the enterprise part and the individual part will make up for it themselves.

Endowment insurance is calculated on the basis of payment.

Enterprises pay endowment insurance, and the payment base is 28%. Enterprises pay 20% of employees' payment base (basic pension) and employees pay 8% (individual account).

The wage income of enterprise employees is lower than 60% of the province's social wages, and the payment base is approved by 60%; If it is higher than 60% of the provincial social wage, the payment base shall be approved according to the actual wage income, but it shall not be higher than 300% of the provincial social wage.

Self-employed workers independently determine the payment base within the scope of more than 300% of the provincial social wages. Pay 20% of the payment base, of which 12% is the basic pension and 8% is the personal account.

Obviously, if enterprise employees supplement, individuals have to pay more than 8% of the payment base.

About social security calculation:

Personal contributions, whether you are employee insurance, new rural insurance or urban residence insurance, are calculated according to the average life expectancy of China people of 7 1 year and 7 months, that is, by 7 1 year and 7 months, you have just received all the money and interest you paid.

Retired at the age of 60, and began to receive money in 7 1 year and 7 months, which is exactly 139 months, so I received1139 of the total payment plus interest every month. No matter how much money is paid, as long as it exceeds 15 years, the calculation method is the same. The more you give, the more you get, no matter how many years.

Those who did not live to 7 1 year and 7 months did not receive all the money; Those who died around 7 1 year-old just got their own money, and those who died after 7 1 year and 7 months are getting extra money. Because there are many people who live to 7 1 year and 7 months, it is cost-effective for most people to pay social security.

For basic pension, 1% is multiplied by the index of the average old-age insurance in the year you want to retire, and 15% is multiplied by the index; Pay 20 years, that is, 20% times the index;

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.