"Strange, I began to pay social security from 94, 27 years are fleeting, I finally survived to retirement, I was stunned to see the amount of my pension, personal account is only more than 40,000, can not be miscalculated, right?"
Early in the morning, I was woken up by the phone of my aunt in my hometown, it turned out to be a pension calculation problem, I thought I received the first pension, she could live happily in her old age, I didn't expect her doubts to be more.
27 years of payment, it is not easy to stick to it, why is it only more than 2,000 pensions, if these money do not pay social security, investment and financial management, is it happier in their old age?
To the Internet to check, I found that the original problems plagued a lot of flexible employment personnel, and even some people directly said that the enterprise employees to participate in the insurance is cost-effective, flexible employment personnel do not pay! Does it make sense?
The following [Social Security Actuary] will answer the mystery of the pension calculation formula for you in detail:
<h1 class="pgc-h-arrow-right" >01, the mystery of the contribution of flexible employees</h1>
When it comes to flexible employment personnel to participate in insurance and payment, many people have expressed regret, always feel that the money they pay is not cost-effective, such a good policy, why do they have this question?
It turns out that our pension is divided into two accounts for management, one is our own pension account, one is the unified pooled account of retirees, the reason why flexible employment personnel feel that it is not cost-effective, is because the money paid is inconsistent with the money in the personal account.
For example, if the payment base is 5,000 yuan, then the monthly payment is 1,000 yuan, but not all of these 1,000 yuan are credited to your personal account.
The distribution ratio between the personal account and the pooled account is 4:6, that is to say, 40% is credited to the personal account, 60% is credited to the pooled account, of course, the pension received at retirement is also divided into two parts:
Pension = basic pension + personal account pension
<h1 class= "pgc-h-arrow-right" >02, how is the pension calculated</h1>
Basic pension = the average monthly wage of the city's on-the-job workers in the previous year * (1 + my average payment index) ÷ 2× the total payment period ×1%
Personal account pension = personal account savings÷ number of months (195 for 50 years old, 170 for 55 years old, 139 years old for 60 years old)
According to Dalian's retirement at the end of 2020, the basic pension = 7962 * (1 + 0.6) ÷ 2× 27×1% = 1720 yuan.
Personal account pension = 45532/ 139 = 328 yuan, the sum of the two is 2048 yuan, which means that even if the flexible employment personnel participate in insurance, it only takes 56 months to return the cost, whether it is cost-effective at a glance.
<h1 class= "pgc-h-arrow-right" >03, after the death of the insured, will it be a big loss</h1>?
Delayed retirement is already a nail in the coffin, and many flexible employees are greatly less enthusiastic about participating in insurance, and they always feel that they may not live to the age of receiving pensions.
For flexible employees, once they die in insurance, they can only return the balance of their personal accounts, taking the example in the above table, if they die before receiving a pension, then they have paid more than 110,000 yuan, and can only return 45,500.
However, in addition to the balance of the personal account can be legally inherited, the survivors can also receive funeral expenses and one-time pensions, for example, Dalian can receive a total of 13 months of social wages, about 100,000 yuan.
After all, pension is the basic guarantee when you are alive, in today's increasing average life, it is recommended to pay social security, save a pension for yourself to better reduce the burden of children's pension, what do you think?
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