Social security contributions for 15 years, 20 years, 25 years, 30 years
Due to the development of technology and the improvement of medical level, people's life expectancy has also become longer unconsciously. Recently, the issue of postponing retirement has once again received high attention, and in the future, postponement of retirement is inevitable.
At present, the statutory retirement age of the country is 60 years old for men, 55 years old for female employees in management positions, and 50 years old for non-administrative positions. However, with the advancement of people's living standards and medical technology, the per capita life expectancy continues to increase, which also causes pressure on the elderly.
Faced with this situation, India** is preparing to gradually increase the retirement age. It is rumored that among the post-90s, men are 65 and women are 60. It has a great impact on our retirement. This is because delaying retirement means we have to work longer, and as a result, we get less pension.
In our country, if your pension is the lowest, then you must have social security for more than 15 years. In other words, if we postpone the retirement age, our pension will also grow.
According to the "Decision on Improving the Basic Pension Insurance System for Enterprise Employees", a comprehensive adjustment was made to the pension in 2006.
These three areas of pension are calculated according to the following formula.
Basic pension = (average monthly salary of in-service employees in the province in the previous year A + indexed average salary of the person) 2 Payment period (including deemed payment period) 1%.
Transitional pension = the amount of the account that I am deemed to have paid is 120 yuan.
Personal account pension = personal account balance at the time of the first retirement pension Month of contributions.
Taking Shenzhen, Guangdong Province, as the research object, this paper examines the receipt of enterprise annuity under different payment years in the social insurance system implemented in China.
According to Shenzhen's current new retirement system, most of the employees who have entered the social security system since July 1, 1998 are no longer entitled to the length of service that is regarded as contributions
1. Coordinate the pension;
2. Personal account pension;
3. Transitional endowment insurance (according to the new regulations, starting from January 2026, including the seniority allowance, those who are regarded as the cumulative payment time will not enjoy the allowance);
4. Local subsidies (only available in deep households).
The minimum amount of social security contributions** for Shenzhen residents is 2,360
15 years of contributions, pensions are estimated as follows:
1. Pooled pension.
1095 + 2360) 2 15 1% = 987 yuan.
2. Personal account pension;
2360*8*12*15*15=1.6 139 = 391 dollars.
3. Transitional pension (100+ years of service allowance).
100 + 15 years * 4 = 160 yuan.
4. Local allowance for deep households (non-deep households are not enjoyed).
15 years = $81.
The sum of the above four payment periods is approximately £1,619.
After the payment of 20 years of contributions, the pension is estimated as follows:
1. Pooled pension.
10795+2360) 2 20 1% = 1316 yuan.
2. Personal account pension;
2360*8*12*20*20=1.9 139 = 620 yuan.
3. Transitional pension (100+ years of service allowance).
100 + 20 years * 4 = 180 yuan.
4. Local allowance for deep households (non-deep households are not enjoyed).
20 years*(2360 10795)*185+20=101 yuan.
The total pension of the above four items is 20 years, which is about 2,217 yuan.
Contributions for 25 years, pensions are estimated as follows:
1. Pooled pension.
1095+2360) 2 25%=1644 yuan.
2. Personal account pension;
2360*8*12*25*25=2.3 139 = 937 yuan.
3. Transitional pension (100+ years of service allowance).
100 + 25 years * 4 = 200 yuan.
4. Local allowance for deep households (non-deep households are not enjoyed).
25 years* (2360 10795)*185 + 20 = 123 yuan, in 25 years, the total pension of the above four items is: 2904 yuan.
After 30 years of contributions, the pension is estimated as follows:
1. Pooled pension.
1095 + 2360) 2 30 1% = 1973 yuan.
2. Personal account pension;
2360*8*12*30*30*2.8 139 = 1369 yuan.
3. Transitional pension (100+ years of service allowance).
100 + 30 years * 4 = 220 yuan.
4. Local allowance for deep households (non-deep households are not enjoyed).
30 years*(2360 10795)*185 + 20 = 142 yuan, the sum of the payment period of the above four items is: 3704 yuan.
As can be seen from the above calculations, this is related to ours"Pay more for a long time"The pension insurance system of "paying more and getting more" is consistent.
On the whole, the social pension insurance system has brought some social benefits to social and economic development, but we cannot rely too much on social pension insurance. We need to realize that we have to be ready for old age. This includes pre-planning, active savings, investing, and managing, among others.
No matter when we can retire, no matter how much pension we can get, we must have a good body, a good mentality, and a good life. That's what we're all about.
Let's prepare everything for your senior life together!
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