According to the Social Security Law , if the pension insurance payment reaches 15 years and reaches the statutory retirement age, you can retire on time and receive basic pensions on a monthly basis. my country's pensions are calculated and paid on a monthly basis. The pension in my personal account is the basic pension that I should receive that month.
my country's pension is divided into two parts: basic pension and supplementary pension . The supplementary pension benefits enjoyed after the endowment insurance include the occupational annuity of the government agencies public institutions and the enterprise annuity of enterprises. Due to various conditions, most people can only receive basic pensions.
China's basic pension system is designed on the basis of the basic, wide-coverage, multi-level, and sustainable principles, so it is called the basic pension insurance, and advocates the implementation of wide-coverage, multi-level pension on the basis of basic insurance Security systems, such as supplementary pension insurance, commercial pension insurance , investment pension security, etc., different forms of security, pension benefits are completely different. Among the many forms of old-age security, most people rely on the basic pension.
China’s basic pension insurance system, after about 30 years of development, is very complete and sound in terms of the pension insurance payment system and benefit protection mechanism. At the same time, there is also a fixed adjustment mechanism for pensions to share social and economic development for retirees The results provide system guarantee and mechanism guarantee.
Basic pension is calculated based on comprehensive factors such as payment base, payment period, personal account fund balance, and average monthly salary of employees in the previous year, and is divided into two parts: basic pension and personal account pension. People who are regarded as the number of years of payment will also be increased by transitional pension . The calculation of the
basic pension is the concrete manifestation of the development achievements of the shared economy for all. The average monthly salary of the employees in the previous year is used as the basis for calculation and payment. My indexed average salary is also the average monthly salary of the employees in the previous year. The average payment index of individuals is used to calculate the proportion of the average monthly salary of the employees in the previous year. As long as the economy continues to develop every year, the average monthly salary of the employees in the previous year will continue to increase, and the pensions of retirees will also continue to increase.
For example, the pension calculation base in Beijing in 2022 is 9,910 yuan. If the payment is 100% in Beijing, the payment period is 30 years, and the basic pension for each year of payment is 99 yuan. The monthly payment for 30 years The basic pension is 2970 yuan; personal account pension is calculated by dividing the total amount of personal accounts by the corresponding . The personal account pension is 2014 yuan. The monthly basic pension is the sum of the basic pension and personal account pension, and the monthly pension is 4984 yuan.
According to this case, if you pay 100% of the premium, you can pay the premium in Beijing for 30 years, and you can retire in 2022. You can receive a basic pension of 4,984 yuan per month. annuity. For the part of the basic pension, you can enjoy the adjustment and improvement treatment of the basic pension from the second year after retirement. If the pension adjustment ratio of the year is 5%, the monthly basic pension can increase by about 249 yuan, that is to say, from From the second year after retirement, the monthly basic pension can reach 5,233 yuan.
To sum up, the monthly pension for retirees includes two parts: basic pension and supplementary pension, but those who have not paid supplementary pension insurance can only enjoy the basic pension. The basic pension is calculated according to comprehensive factors such as the payment base, payment period, personal account balance, and the average monthly salary of the employees in the previous year. It is divided into basic pension and personal account pension. sex pension.
