At present, the lowest standard in Shenzhen is: 1350.
You can only get a pension at retirement age, and you can only get it at retirement age.
The charging standard is calculated according to the deposit you paid.
Pension = basic pension+personal account pension
Those who participate in the social pooling of the basic old-age insurance for employees of urban enterprises in this city have reached the retirement age stipulated by the state, and the actual payment period (including deemed payment period, the same below) is over 15 years, and the basic pension is paid monthly. According to the latest pension calculation method, employees' retirement pension consists of two parts.
Basic pension = (average monthly salary of employees in the whole province in last year+average monthly payment salary indexed by myself) ÷2× payment period × 1% = average monthly salary of employees in the whole province in last year (1+ average payment index by myself) ÷2× payment period × 1%.
Personal account pension = personal account deposit ÷ months (50 years old 195, 55 years old 170, 60 years old 139)
Tip:
1. My indexed monthly average payment salary = last year's average monthly salary of employees in the whole province × my average payment index.
2. Floating range of payment index: 0.6-3 (deep households). Payment base: actual salary, with a fluctuation range of "60% of the average monthly salary ≤ payment base ≤ 300% of the average monthly salary".
As can be seen from the above formula, under the same payment period, the level of basic pension depends on the average payment index of an individual, that is, the historical average of the ratio of his actual payment base to the average social wage. The lower limit is 0.6 and the upper limit is 3. Therefore, in the two kinds of calculation of pension, no matter what the situation, the higher the payment base and the longer the payment period, the higher the pension. Pensions are stipulated indefinitely and can be enjoyed monthly. Even if the personal account pension has been used up, it will continue to be paid according to the original standard. Personal pension will increase year by year according to the increase of the average monthly salary of employees in society.
Example of pension calculation formula
For example, according to the above formula, suppose that when male employees retire at the age of 60, the average monthly salary of employees in the province last year was 4,000 yuan.
When the cumulative payment period is 15 years:
When the average individual payment base is 0.6, the basic pension = (4,000 yuan+4,000 yuan× 0.6) ÷ 2×15×1%= 480 yuan.
When the individual average payment base is 1.0, the basic pension = (4,000 yuan+4,000 yuan×1.0) ÷ 2×15×1%= 600 yuan.
When the average individual payment base is 3.0, the basic pension = (4,000 yuan+4,000 yuan× 3.0) ÷ 2×15×1%=1.200 yuan.
Tip:
The average monthly salary of employees in this city and my indexed monthly average salary in the above years are taken as the base, and every full month 1 year is paid 1%.
When the cumulative payment period is over 40 years:
When the average individual payment base is 0.6, the basic pension = (4,000 yuan+4,000 yuan× 0.6) ÷ 2× 40×1%=1280 yuan.
When the individual average payment base is 1.0, the basic pension is = (4,000 yuan+4,000 yuan×1.0) ÷ 2× 40×1%=1600 yuan.
When the average individual payment base is 3.0, the basic pension = (4,000 yuan+4,000 yuan× 3.0) ÷ 2× 40×1%= 3,200 yuan.
Personal pension = basic pension+personal account pension = basic pension+personal account storage139
Tip:
Personal account pension: calculated by dividing the accumulated amount of personal account at retirement by the planned number of months stipulated by the state.
(Note: In fact, many of them are not based on actual wages, and units are generally paid according to the minimum standards. The minimum base for non-deep households is 1 100 yuan; The minimum base for deep households is 2366 yuan, [the base will be adjusted every year]. Click to view details: What is the minimum purchase base of social security)
Provisions on collection and payment of endowment insurance
Acceptance conditions:
Shenhu: before July 3 1, 1, 992, the accumulated payment for work has reached 10 year; In August 1, 65438, 0992, the cumulative payment for the commencement of construction exceeded 15.
Non-deep households: Pay 15 and you can retire in Shenzhen when you reach the legal retirement age, and you can receive a monthly pension.
Collection amount
Monthly basic pension = basic pension+personal account pension+transitional pension+basic adjustment fund
(The horizontal line is only applicable to workers before July 3 1 0992. Considering the actual situation, the amount itself is very small if it is not calculated here. )
How old are you to enjoy the old-age insurance? How can you enjoy the old-age insurance in Shenzhen? For details, please see the following article: How to enjoy pension benefits in Shenzhen? At what age do you enjoy old-age insurance benefits?
Provisions on payment of endowment insurance
The company takes 65,438+00% of the actual salary (65,438+065,438+0% comes from Shenhu) and 8% of the actual salary, making a total of 65,438+08% (65,438+09% comes from Shenhu).
Cost flow of endowment insurance
Of the 18%, 8% goes into "personal account" and 10% (deep account 1 1%) goes into "overall fund".
According to the above formula, you can basically calculate how much money is left in your current pension account.
How to calculate the indexed monthly average payment salary?
Calculate the indexed monthly average payment wage in three steps:
Step 1: Take the monthly payment salary of employees from work to retirement and divide it by the average monthly salary of employees in this city in that year to get the monthly payment index.
Step 2: Add up the monthly payment index of employees' payment years from employment to retirement and divide it by the number of months of their payment years to get the average payment index.
Step 3: Multiply the average payment index by the average monthly salary of employees in this city in the previous year at the time of retirement to get the indexed average monthly payment salary.
How many months does the state stipulate?
According to the original regulations, the monthly payment base of personal account pension is1120, regardless of working hours. The new method stipulates that the monthly standard of personal account pension is calculated by dividing the accumulated amount of personal account by the number of months stipulated by the state. For example, 195 months for retirement at 50, 170 months for retirement at 55, 164 months for retirement at 56, 158 months for retirement at 57 and 56 months for retirement at 70. That is to say, the older the retirement age, the fewer the number of months, whereas in the past, regardless of the length of working hours, it was calculated as 120 months. The calculation months related to working hours are uniformly stipulated by the state, and there is a special calculation table. & gt& gt Click: the retirement age of the number of pension payment months stipulated by the state.
for instance
Let's give an example. When Xiao Wang retired at the age of 55, he bought social security for 25 years. Suppose that the average monthly salary in the previous year was 4,000 yuan when retiring, and the average indexed monthly payment salary of Xiao Wang was 2,000 yuan (this is hypothetical, and the monthly social security payment salary data of Xiao Wang is needed for accurate calculation). Let's calculate how much pension Wang Can receives every month.
Simplified calculation formula: monthly basic pension = basic pension+personal account pension.
Basic pension: (4000+2000)/2X25%=750.
Personal account pension: 80,000/170 = 470 (here, when retiring, the accumulated amount of personal account is calculated as 80,000 yuan, that is, the average annual payment is 3,200 yuan, and the monthly payment is 266 yuan, which is considered as a medium level; The number of months to retire at the age of 55 is 170 months)
Adding up the above two items, Xiao Wang's monthly basic pension is about 1220 yuan.
Is this ok?
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.