According to the information of multiple **, the pension deduction ratio is generally 8% for the individual, and the unit needs to bear 20%. Specifically, the pension insurance contribution that employees need to pay is their salary multiplied by 8%;The pension insurance premium that the employer needs to pay is the salary multiplied by 20%. It should be noted that the deduction ratio may be slightly different in different regions and different groups of people, and you need to refer to local policies and regulations for specific situations.
Pension insurance can be paid in two ways:
1.Company payment: A part of the pension insurance fee will be deducted from the employee's salary, and the employer will also bear a part. The specific payment amount needs to be determined according to local policies and regulations and the regulations of the unit.
2.Individual contributions: If you are self-employed or freelance, then the pension insurance is paid entirely by the individual. Individuals can go to the street where their household registration is located, the social security service point, or the social security bureau at the district and county level to make the payment. The amount of contribution varies from place to place, so it is recommended to consult with the local social security department. After the payment is successful, you can bind the payment account with the bank card, and it can be automatically deducted every month.
It should be noted that the payment ratio and method may be slightly different in different regions and different groups of people, and you need to refer to local policies and regulations for specific situations.
Pension insurance contributions may vary from region to region. Here are some possible scenarios:
1.Online payment: Some regions provide online payment channels, such as WeChat, Alipay and other mini programs, through which payment can be made.
2.Offline payment: Some areas provide offline payment methods, such as bank outlets, social security service points, etc. Individuals can travel to these places to make contributions.
3.Bank withholding: In some areas, payment is made through bank withholding, and you need to sign a withholding agreement and bind the payment account.
4.Self-service payment: Some areas provide self-service payment channels, such as self-service payment at village and community party-mass service centers.
It should be noted that the payment methods may be slightly different in different regions and different groups of people, and you need to refer to local policies and regulations for specific situations. It is advisable to keep abreast of local payment methods and regulations in order to proceed smoothly.
The amount of pension that can be received each month after retirement is determined based on a number of factors, such as the average monthly salary of the local on-the-job employee, the number of years of social security payment, and the balance of personal accounts. Here are some possible scenarios:
1.Pension Insurance for Urban Employees: The sum of the basic pension and personal account pension that retirees of the urban employee pension insurance can receive each month depends on the average monthly salary of the local on-the-job employees, the number of years of social security payment and the balance of the personal account. For example, if the average monthly salary of on-the-job employees in 2020 is 6,500 yuan, and social security has been paid for 15 years, the number of months is 139 months, and the average contribution index is 06. The balance of the personal account at the time of retirement is 35,000 yuan, so according to the formula, the monthly pension can be obtained to be about 780 yuan.
2.Pension Insurance for Urban and Rural Residents: The treatment of pension insurance for urban and rural residents consists of basic pension and personal account pension, which is paid for life. Among them, the monthly calculation and payment standard of the basic pension is 1,300 yuan (including the minimum standard of the basic pension determined by **), and the insured personnel who have paid for more than 15 years will increase their basic pension by 10 yuan for every more than 1 year. If the person participating in the old-age insurance for urban and rural residents is at least 60 years old, has paid contributions for 15 years and has not received the basic old-age security benefits stipulated by the state and the city, he or she can receive the old-age insurance benefits for urban and rural residents on a monthly basis.
It should be noted that the pension standards of different regions and different groups of people may be slightly different, and the specific situation needs to refer to local policies and regulations. It is advisable to keep abreast of local pension standards and regulations so that you can make reasonable arrangements for your retirement life.