For an individual, social security contributions for an extra month, the extra part of the payback time is how much?

Social security is one of the most important components of the social security system, a kind of bereavement, temporary loss of employment or because of physical and mental health reasons for economic loss of the urban population to give income or reimbursement of the social and economic system, social security of the main projects include old-age insurance, health insurance, unemployment insurance, employment injury insurance, maternity insurance, social security program held by the state, mandatory for a certain group of people to make it part of the proceeds for social security The tax generates a social insurance fund when certain conditions are met, the beneficiaries can be in the stock fund to get a fixed immobile income or loss compensation, it is a redistributive mechanism, its purpose is to ensure that the chemical substances and the working population in the production as well as social stability.

China has entered the age of population aging age, the number of people over 60 years of age amounted to 264 million, pension insurance is the most important to ensure that the elderly, according to the relevant provisions of the "Social Insurance Law", to receive the pension minimum payment period of 15 years, the academic condition is to reach the age of retirement provisions, therefore, many people believe that the payment of 15 years of old-age insurance are good, but I have been recommending that as long as you can afford to pay it, even if you can not afford it, pay as much as possible for 15 years and 1 month, 15 years of pension payments and 15 years a month what is the difference.

Participation in pension insurance and receive pension calculation formula, pension calculation method according to the national development of clear, mainly by the basic pension and personal account pension, with the average social wage, the number of years of contributions, the contribution base, the legal retirement age and other factors related to the average social wage, the number of years of contributions, the base, the legal retirement age and other factors.

Most people participate in pension insurance in accordance with the 60% of the most basic payment, so that we take the 60% of the most basic payment as an example, to see the difference between the pension after 15 years and 15 years and one month pension? Assuming a mean social development salary of $6,000 and a minimum contribution base of $3,600, a freelancer, who typically pays at a rate of 20 percent, would have to pay an additional $720 a year in pension insurance premiums.

In the estimated pension, basically the pension can also be in 60% of the number of additional payments for 12 months, and thus after retirement to get the previous year's average social wage of 0.8%, when the average value of the social development of the salary of 6,000 yuan, you can additionally receive 48 yuan per month basically the pension, if more than one month to pay, only to obtain 1/12, in other words, every month to propose more Take 4 yuan.

In addition to this, there are also personal accounts and pensions, payment is calculated according to 3600 yuan, 288 yuan per month into the personal account, 60 years old retired workers pension payments for months up to 139 months, pension insurance health care account balance of more than 288 yuan, the average monthly value of the pension can be added to the average value of about 2 dollars.

If 15 years later, the social security salary will become 12,000 yuan, health insurance account balance will become 560 yuan, monthly pension can be good again 12 yuan, the restitution period is only 60 months, in addition to the retirement pension will be in the retirement every year to enhance the pension in recent years, the pension adjustment program is carried out mainly through three ways: the quota system adjustment, pegged optimization and moderate skewing, in which The part of the linkage adjustment is mainly divided into linkage according to the years of contribution and linkage according to the level of pension, especially, in most of the provinces, the part of the adjustment according to the payment period is estimated by one year.

Taking Shandong Province pension layout adjustment as an example: the payment period of 15 years, the basic pension every year to enhance 1 yuan, 16 to 25 years part of the enhancement of 1.3 yuan, if more than one month of payment, can be in the premise of one year to enhance the basic pension of 1.3 yuan, in addition to the proportion of the pension to make adjustments, was too high a part of the expansion of the difference will be gradual.

Generally speaking, if the extra payment of $720, back to the time is not long, the average life expectancy of 0-year-old babies to 77.3 years, will be retired elderly age + life expectancy will be even longer, for most people, repayment of assets is no problem at all.

But in general, this kind of cost-benefit analysis of strong pension insurance payments will also lead to great pressure on China's pension insurance stock fund, therefore, the country are gradually improving our own pension insurance regulations, for example, "14th Five-Year Plan" period will be implemented to extend the age of retirement, enhance pension payment The minimum period of time, enhance the number of months of employees' pension insurance personal accounts and other existing policies, in general, pension insurance is essentially a pension service, not a project investment, I hope to participate in the pension insurance people to figure out the purpose, don't give up because you can't understand the ensure, a real pity.