With the intensification of the aging trend of China's population, the pension issue has become the focus of more and more people's attention. For many people, the "lowest tier" of social security is a relatively affordable option. So, after paying the "lowest grade" of social security for 15 years, how much "pension" can you receive after retiring at the age of 60?This article will focus on this issue and delve into the calculation method of ** pension and the receipt of the "lowest" pension of social security.
We need to understand how pensions are calculated. The calculation of the pension mainly consists of two parts: the basic pension and the personal pension. The basic pension is calculated according to the average social wage and payment period of the area where the insured is located, and the personal pension is calculated according to the payment base and payment period of the insured.
We will discuss the receipt of the "lowest" pension of social security. The "lowest level" of social security refers to the payment according to the lower limit of the payment base. According to China's current regulations, the lower limit of the contribution base is usually 60% of the average local social wage. Therefore, the contribution of the "lowest grade" of social security is relatively low, which is suitable for people with lower incomes.
Next, we need to calculate the pension after 15 years of social security "minimum". Taking a region as an example, suppose that the average social wage in the region is 5,000 yuan, and the lower limit of the payment base is 3,000 yuan. Then, the basic pension is (5000 + 3000) 2 15 = 4500 yuan, and the personal pension is 3000 8% 15 = 4800 yuan. Therefore, the total pension after 15 years of social security "lowest grade" is 4500 + 4800 = 9300 yuan.
It should be noted that the specific amount of pension will be affected by various factors such as the area where the insured is located, the payment base, and the number of years of payment, so the actual pension may be different from the above calculation results.
After paying the "lowest grade" of social security for 15 years, how much "pension" can you receive after retiring at the age of 60?According to the calculation method of pension and the receipt of the "lowest" pension of social security, we can conclude that the total pension after 15 years of social security "lowest" is usually between 4,000 yuan and 6,000 yuan. However, the specific pension amount will be affected by various factors such as the area where the insured person is located, the payment base, and the number of years of payment. Therefore, when choosing the payment grade, the insured should reasonably choose the payment grade according to their actual situation to ensure the quality of life after retirement.
Each and every one of us is a participant and a beneficiary in this issue. Let's focus on this issue together and work for our future and the next generation. In this process, let us understand each other, work together, and strive for a better future.