Shenzhen's minimum payment base for pension insurance is now 2,360 yuan in Shenzhen, the average wage in Guangdong Province is 8,807 yuan, and the highest payment base is 3 times the full-caliber social security wage in Guangdong Province 26,421 yuan, and the base for calculating the payment index from 2020 is the average wage in Guangdong Province, that is to say, according to the payment index of 26,421 respectivelywithHowever, the calculation base of retirement pension in Shenzhen is not based on the calculation and payment base of Guangdong Province, because the denominator of the calculation of the contribution index before 2020 is the average wage in Shenzhen, so it is now in the transition periodAlthough the calculation of pension is not based on the average salary of 13,730 in Shenzhen, nor is it based on the calculation base of Guangdong Province, it is calculated according to the calculation base announced every year, and the calculation and payment base in 2022 is10795 yuanThe 2023 calculation base has not yet been announced. Most people pay social security according to the minimum wage, according to static data, calculate how much difference there is in the pension of different payment bases in the same 15 years, people who began to participate in social security in August 1998, the composition of the pension is relatively simple, consisting of the following parts: 1Basic pension;2.Personal Account Pension;3.Seniority allowance;4.Local subsidies (only available to deep households);
[a].According to the minimum wage of 2360 yuanThe calculation base is:10795 yuan, without considering the adjustment of contributions, nor considering the adjustment of social average wages, with this static data to pay for 15 years, retirement at the age of 60, how much retirement salary can you get?The pension account is about 40,000, and the average contribution index is 0268。1.Basic pension = 1027 yuan;2.Personal account pension = 288 yuan;3.Seniority subsidy = 60 + 100 = 160 yuan 4Local subsidy = 94 yuan;About [1569 yuan]. Now pay the second level of medical treatment per month name fee is, the first gear isYuan (1069 yuan for non-deep households), that is to say, if you pay 701 or 1092 for 15 years, the retirement salary will be about 1569 yuan, and if you pay it for 30 years, it will be about 3138 yuan, and you will pay social security according to the minimum wage for 21 years, pensions to reach the minimum wage;The replacement rate of the minimum wage is 66 per cent, which is the retirement salary divided by the contribution base: 1569 2360, so if the real wage is not 2360, then the actual replacement rate will be less than 66 per cent;
[two].According to the average salary of 8,807 yuan in Guangdong, the calculation base is10795 yuan, without considering the adjustment of contributions, nor considering the adjustment of social average wages, with this static data to pay for 15 years, retirement at the age of 60, how much retirement salary can you get?The pension account is about 150,000, and the average contribution index is 1. 1.Basic pension = 1470 yuan;2.Personal account pension = 1079 yuan;3.Seniority subsidy = 60 + 100 = 160 yuan 4Local subsidy = 298 yuan;About [3007 yuan]. According to the social salary, the second-level medical treatment is paid every month2255 yuan, the first gear isyuan, that is to say, if you pay 2201 or 2783 for 15 years, the retirement salary will be about 3007 yuan, 3007 8807,Press ShepingThe wage replacement rate reached 34 per cent
[three].According to the maximum payment salary of 26,421 yuan, the calculation base is10795 yuan, without considering the adjustment of contributions, nor considering the adjustment of social average wages, with this static data to pay for 15 years, retirement at the age of 60, how much retirement salary can you get?The pension account is about 450,000, and the average contribution index is 3. 1.Basic pension = 2791 yuan;2.Personal account pension = 3284 yuan;3.Seniority subsidy = 60 + 100 = 160 yuan 4Local subsidy = 852 yuan;About [7087 yuan]. The monthly fee for second-level medical treatment is paid according to the social salary6638 yuan, the first gear is8224 yuanThat is to say, if you pay 6638 or 8224 for 15 years, the retirement salary will be about 7087 yuan, 7087 26421,The replacement rate for the highest contributory wage has reached 27 per cent
[4].The higher the contribution base, the higher the retirement salary will be, this is for sure, but the proportion of the increase in retirement salary is not the same as the proportion of the increase in contributions, so the higher the contribution salary, the lower the pension replacement rate. Again, under the condition that the payment base and the payment period are the same, the individual or the unit, the worker or cadre pays social security, and the pension and medical treatment are the same;