Three minutes to talk about popular science
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Focus on the pension, social security and insurance of ordinary people
China has entered an aging society, in the next 20-30 years, we are facing a series of aging problems such as post-retirement care, leisure, life, entertainment, etc., the country is gradually introducing a series of measures to ensure that we live happily after aging.
Retirement life is our own business, after old age, how much pension I receive every month, whether these pensions are enough for my life security, etc., many post-70s, post-80s have begun to calculate, but there are still many people who don't know how to calculate, today hand-in-hand teach you how to calculate pensions.
*For personal creationsPersonal pension = basic pension + personal account pension + transitional pension (not everyone has it).
01 Basic pension
Basic pension= The average monthly salary of the local on-the-job employees in the previous year at the time of retirement of the insured person (1 + the average monthly wage index of the insured person) 2 The number of years of payment is 1%.
1. The average monthly salary of local on-the-job employees in the previous year when the insured retires: every year, the average monthly salary of the previous year will be issued in various places, and everyone can pay attention to it.
Average salary in 31 provinces in 2022
*From the web2. My average monthly contribution wage index:
The first year's salary of the insured person The average salary of employees in the previous year +.Salary paid in the nth year Average salary of employees in the nth-1st year) Actual years of payment.
The annual contribution salary of the insured can be found from the social security system of the insured.
The average salary of the insured person in the previous year will be announced in each place every year.
3. Transitional pension:
From the point of view of the calculation formula: transitional pension = pension calculation base * (1 + average contribution index) 2 * (deemed payment period + conversion period) * 11~1.4% 。
02 Personal account pension
Personal account pension= The cumulative amount of savings in the personal account of the insured person at the time of retirement The number of months corresponding to the retirement age of the insured person.
Cumulative savings in personal accounts: You can check from your social security account.
There are clear regulations on the number of months of pension calculation in personal accounts.
*From the web03 Transitional pension
Transitional pension = pension calculation base * (1 + average contribution index) 2 * (deemed payment period + conversion period) * 11~1.4% (according to local ** documents).
Transitional pension is an additional pension issued to special periods and special groups.
Generally speaking, before the establishment of the social security payment system before 1996, the working staff, educated youth, demobilized soldiers, special types of work and other groups involved in the calculation and conversion of the number of years of service deemed to have been paid.
Deemed payment period, that is, before the implementation of the pension insurance system, the continuous length of service or working years recognized by the state should be regarded as the payment period after the implementation of the pension insurance system. The key word here is the word "deemed to be the same", which means that although there is no actual payment, it should be treated and implemented in the same way as the actual payment.
In addition, employees of public institutions before October 2014 are also involved in the calculation of the deemed payment period.
If you don't know how to calculate it yet, there are a few ways to do it:
1. The applet of the national social security public service platform is calculated
If you can't directly enter the calculation platform, you can also log in to the national social security public service applet, according to: I - electronic social security card - personal pension - pension reimbursement treatment.
2. WeChat applet: I - electronic social security card - pension insurance service - calculation of social security pension
The first method is more accurate, but you need to know the following information in advance:
*From the Internet, everyone calculates whether their pension meets their basic life after retirement, entertainment and leisure, New Year's and holidays for their children, etc.
If you can't meet it, and you haven't reached the retirement age, you can plan for a commercial pension, if you have passed the retirement age more, calculated, the pension can not meet your own needs, then we can only find a way to retire, and then start a business or rely on children.
If you find this article useful, please bookmark it and give it to more people so that everyone knows about these methods.