employee pension insurance must be paid for at least 15 years before they can apply for retirement. So how much money can they receive if they pay for 15 years according to the minimum payment period?
The first step is to familiarize yourself with the calculation formula of employee pension insurance and pension. Salary: Published annually by the local Provincial Department of Human Resources and Social Security or the Autonomous Region Human Resources and Social Security Department, different years are different. For example, the average on-the-job salary in Hunan last year was 5,977 yuan, and the average on-the-job salary in Shanghai last year was 11,396 yuan. The payment index is related to the individual’s past payment level. It is 60% every year, so the 15-year average payment index is also 0.6. If the 60% level is used for 9 years, and the 100% level is used for 5 years, then the 15-year average payment index is (0.6 ×9+1×5) ÷15=0.69
Months of payment : 139 months for retirement at the age of 60, 170 months for retirement at the age of 55, 195 months for retirement at the age of 50. Numbers are issued monthly.
Step 2: How much can employees receive after 15 years of retirement insurance?
Taking Shanghai as an example: Individuals pay according to the lowest level every year, with a payment index of 0.6. The current personal account pension balance is 105,000 yuan, and the average salary this year is 11,396 yuan. The payment period is 15 years. Men’s 60-year-old pension: (11396+11396×payment index 0.6)÷2×15 years×1%=1367.5 yuan
Personal account pension: personal account 105000÷number of payment months 139=755.3 yuan
Employee pension insurance pays for 15 years, according to the lowest level , 60-year-old monthly retirement treatment: 2122.8 yuan/month
personal account balance = personal payment base × 8% × 12 months × payment period, the personal account balance has interest every year. In addition, if you know the average salary and average payment level of the local employees in the year of retirement, you can accurately calculate retirement benefits.
If you have any questions after reading, you can leave a message.
-
-
-
-
-
-
-
-
-
-