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Social security contributions are something that every person living on the earth cannot ignore, and this is also a welfare policy given by the state to every citizen, especially endowment insurance and medical insurance, which can allow us to have a guarantee after seeing a doctor and retirement. It's just that some people don't know the rules for paying social security. In fact, the principle of paying social security is very simple, pay more, pay more, pay more. If you want to have better social security benefits in the future, you need to pay a longer base and years. in order to get a higher welfare package. 
Most people can understand this truth, but there are also a small number of people who don't understand, but what really makes them wonder is how much pension they can get if they pay for a longer period? Let's take a detailed analysis of what kind of impact and what are the impacts of different years of social security contributions on social security benefits.
The minimum payment period of China's pension insurance is 15 years, as long as you pay 15 years to go through the retirement procedures, after reaching the specified retirement age, you can get a pension.
According to the rules for the calculation of pensions,Pension = basic pension + personal account pension。If the average salary is 8,000 yuan, pay according to 60% of the grade, 4,800 is the base. Brought into this rule, the basic pension can get 960 yuan, and the personal account pension is 494 yuan, and after paying for 15 years, you can get a pension of 1454 yuan per month until retirement.
In fact, no matter how many years we pay social security, the formula will not change, we only need to change the number of years, so that we can get different years, how much pension can we get. If it is a 25-year stall, you can get 2428 yuan per month, 30 years can get 2914 yuan, and if the payment exceeds 40 years, you can get 3886 yuan.
Of course, this is only an approximate amount to be received, because it also needs to be calculated according to the pension base in different regions, plus the average salary, and the actual amount will be different, but there will be no big difference. Through these payment years and the amount of money in hand, we can know that the longer the payment time, it will indeed have a greater impact on our pension collection, and it is indeed in line with the principle that as long as you pay more, you can get more, as long as you pay long enough, you can get more.
This will make many people feel that paying longer and getting more does not mean that they can earn more. Because of the longer the payment period, our expenditure on insurance will also increase, and it is impossible to judge whether it is cost-effective to pay for a longer period of time to get a pension, or to pay a pension for a shorter period of time, and the amount of money to get is cost-effective, then we need to analyze it according to different years. Just like paying for 15 years and 25 years, there is a difference of 10 years in between, and the amount of pension that can be received each month is 500 yuan.
In this way, users who have paid for 25 years are 48,000 yuan more per year than users who have paid for 15 years. According to the current average age of 75 years old in China, when you reach the prescribed retirement age of 60 years old, you can get at least 15 years of retirement pension, which will be 90,000 yuan more than those who have paid for 15 years.
Moreover, China's pension is not static, it will change every year according to the policy, every year is the general adjustment of wages, the pension has risen 19 times, it is certain that as long as the number of years of payment increases, the amount of pension will increase, which is inevitable, the payment of higher years of people, but also February ** dynamic incentive plan is the most cost-effective group.
Therefore, when paying pensions, we still have to adhere to the principle of paying more and paying for a long time, so that we can get better social security treatment, and the amount of money in hand will be more in the future, not only will not trouble children, but also life will not be poor. Therefore, the payment of social security should not be stopped easily, it is not that there will be no worries after 15 years, but it is still a good result to pay as much as possible if you can afford it.