The basic principles of social pension insurance:
Pay more, pay longer, get more pensions;Less payment, short payment, less pension;No contributions, no pension.
The main factors affecting the amount of pension are the number of years of payment, the amount of payment, the local average salary, and the payment base.
1. The number of years of social security contributions.
The number of years of social security contributions is a major factor affecting the amount of pension.
Social security. The payment period, including the actual payment period and the deemed payment period.
Deemed payment period, that is, the staff who participated in the work before the reform of the social security system, the length of service recognized by the national policy before the reform of the social security system, that is, the number of years without actual contributions, is treated according to the number of years of contributions, and can play the same role as the actual payment years when calculating and issuing pensions.
It should be noted that the staff who participate in the work after the reform of the social pension insurance system are not regarded as the number of years of payment.
2. The amount of social security contributions.
The amount of social security contributions is another major factor affecting the amount of pensions.
Social security. Payment amount, including unit payment limit and individual payment limit.
The proportion of social security contributions of the insured personnel of organs and institutions is constant in accordance with the relevant regulations, and the amount of social security contributions has not changed significantly, but the wages of the insured personnel have changed.
The social security contribution amount of the insured employees of the enterprise unit and the flexibly employed insured personnel excludes the factor of the change in the salary of the insured personnel, because the payment ratio can fluctuate up and down in accordance with the relevant regulations, and the payment amount can fluctuate up and down with the change of the selected payment ratio.
3. Local social average salary and payment base.
The average salary of the previous year and the social security payment base in the local area where the insured person is located are also the other two main factors affecting the amount of pension.
Because, the average salary of employees and the social security payment base of the previous year in the local area where the insured person is located directly affect the amount of social security payment.
Please look at the pension calculation and payment formula, you can understand the many factors that affect the amount of pension.
Pension calculation and payment formula:
Pension = (average salary of local employees in the previous year + average indexed monthly contribution salary) 2x [payment period (including deemed payment period) x 1%] + personal account balance Number of months calculated and paid [retirement age at the age of 50 retirement age retirement age 139]).
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