AI assistant creation season In China, the number of years of social security payment is one of the important factors affecting pension benefits. However, many people are not fully aware of the specific differences in the number of years of social security contributions and their impact. This article will analyze the difference between 15 years, 20 years and 30 years of social security contributions.
1. Definition and impact of the number of years of social security payment.
The number of years of social insurance payment refers to the number of years that the insured person has actually paid social insurance, including endowment insurance, medical insurance, unemployment insurance, work-related injury insurance and maternity insurance. In China, the number of years of social security payment mainly affects the pension treatment, and the longer the payment period, the higher the pension treatment.
2. The difference between 15 years, 20 years and 30 years of social security payment.
1.Differences in pension benefits.
The number of years of social security payment directly affects the pension benefits. According to China's current regulations, when the insured reaches the retirement age, the pension treatment calculation and payment method is: basic pension + personal account pension. Among them, the basic pension = (the average monthly salary of the province's on-the-job employees in the previous year + the average monthly indexed salary of the employee) 2 The payment period is 1%. Personal account pension = personal account savings 139.
It can be seen that the longer the social security payment period, the amount of the basic pension and the personal account pension will increase, so that the pension treatment will be improved.
2.Differences in health insurance benefits.
The number of years of social security contributions also has an impact on medical insurance benefits. In most cities, the minimum number of years of medical insurance contributions is 30 years for men and 25 years for women. After reaching the minimum contribution period, retirees can enjoy lifelong medical insurance benefits. If the minimum payment period is not reached, you need to continue to pay medical insurance premiums until the specified number of years is reached.
3.Differences in unemployment insurance benefits.
The number of years of social security payment also has a certain impact on unemployment insurance benefits. One of the conditions for receiving unemployment insurance money is that the employer and the employee have paid contributions for more than one year before becoming unemployed, and have been registered as unemployed. During the period of receiving unemployment insurance benefits, if you are employed again, you can continue to receive unemployment insurance benefits, but the period of receiving unemployment insurance benefits will be shortened accordingly.
4.Differences in treatment between work-related injury insurance and maternity insurance.
The number of years of social insurance payment has little impact on the benefits of work-related injury insurance and maternity insurance. Work-related injury insurance mainly covers injuries sustained during work, while maternity insurance mainly covers the relevant benefits of female employees during childbirth. The benefits of these two types of insurance have little to do with the number of years of social security contributions.
III. Conclusion. To sum up, there are significant differences between 15 years, 20 years and 30 years of social security contributions. The longer the payment period, the higher the pension treatment, and the better the medical insurance treatment. Therefore, if conditions permit, it is recommended that the insured person try to extend the social security payment period to improve the quality of life after retirement.
However, in real life, factors such as personal economic status and employment stability may affect the number of years of social security contributions. For these situations, the insured person should reasonably plan the social security payment period according to their actual situation. At the same time, the social security system should also be further improved, and more preferential policies should be provided for the insured to reduce their economic burden.