We pay pensions every month, enterprises also pay, our pension is the total amount of individuals plus enterprises, in fact, this is wrong, in fact, pensions are divided into social security ** and personal account accounts, we simply say that public accounts and private accounts, we usually pay personal accounts in private accounts, enterprises pay in public accounts, individual accounts are independent, in fact, we pay social security for decades has little to do with it.
So when to use these two accounts, when we are 60 years old and retire, our pension is calculated from the proportion of these two accounts, how much money we receive each month. It has been asked how to calculate a person's pension if he dies before retirement? Can it be returned to his family, in fact, it is possible, but he can only return the money in his personal account, and the social security fees paid by his work unit for decades have nothing to do with him.
Many people are thinking about paying social security from 20 to 60 years old, but how old can most people live? 70 years old, or 80 years old, do we think about it, do we all think we are all working for someone else's pension? Many people are starting to stop paying Social Security.
Recently, there have been problems with the pension in many places, and there is no money in the local pension account, in fact, this is a big problem, look at the pensions of civil servants, teachers, and retirees of public institutions, and the pensions of ordinary people are only a few hundred or a thousand, this model is not sustainable, after these decades, the pension account has been unable to make ends meet.
Extending the retirement age can not solve the problem of lack of money in the pension account, it needs to be solved from the source and fundamentally, for example, civil servants, their usual salaries are already very high, and the pension can not be at the same level as ordinary people and farmers, or not as much as 10 times different, which needs to be taken seriously, the purpose of socialism is to achieve common prosperity, and the nature of socialism lies in fairness and equality, and the interests of the working people.