After fifteen years of pension insurance contributions, is it necessary to continue to pay?

Due to the increasing diversification of employment forms, there are more and more flexible employment personnel, the current flexible employment personnel in the country has exceeded 200 million people, it can be said with great certainty that many flexible employment personnel have become a member of the insured payment army, but there are also many flexible employment personnel have not become a member of the insured payment army, that is to say, these flexible employment personnel do not have social security, which is a very worthy of attention.

At present, there are about 456 million insured personnel in employee pension insurance, including 128 million employee retirees, and there are 328 million active insured personnel, while the mainland's labor force population exceeds 800 million people.

There is a common sense of social security that can be said to be well known, that is, after fifteen years of pension insurance contributions, when the statutory retirement age is reached, you can go through retirement procedures and receive a monthly pension.

Pension insurance contributions can be received after fifteen years, which can be said to have left a deep mark on people's hearts, especially for those flexible employment personnel who are in an average or even poor situation, as a goal to be achieved, or even the ultimate goal.

The number of years of contribution, the contribution index and the pension calculation base are the three most important factors that determine the level of pension. Of these three factors, flexible employment personnel are not dominant, and even if this is the case, the price paid is very large.

Even in the case that the payment period and the payment index are the minimum standards, it is not easy for flexible employment personnel to overcome the fortress of employee pension insurance payment for fifteen years, and it is absolutely not possible not to take out 250,000 yuan or 300,000 yuan, and the pressure is obvious.

Flexible employment personnel are in a dilemma, pay it, the pressure is indeed very large, like Beijing flexible employment personnel pay more than 19,000 yuan of social security premiums per year, this is still the minimum payment standard, and the annual growth rate is between 6.5% and 9%, the burden is getting bigger and bigger.

Fortunately, Beijing has a good social security subsidy for flexible employment personnel, and its treatment is the best in the country, and you can enjoy social security subsidy treatment from the age of 40 or 45, with a subsidy range of up to 66.67% and a monthly subsidy of up to more than 1,000 yuan.

If you reach a certain age can enjoy social security subsidies, flexible employment personnel must actively pay, do not hold an attitude of indifference, my employee pension insurance payment has been fifteen years, I think the task has been completed, in fact, it is not so at all.

You don't look at the cost of the flexible employment of the employee pension insurance contribution for fifteen years as high as 200,000 or 300,000 yuan, but the pension received when retiring is not much, put in Beijing in 2022, the pension is only 1714 yuan per month, which is still the standard after the supplement; if it is placed in those third-, fourth- and fifth-tier cities, the flexible employment personnel now retire to get a monthly pension of only 1,200 or 300 yuan.

After paying the pension insurance premium for employees at the minimum standard for fifteen years, how much pension can be received every month after retirement is a question that many people often ask. The basic answer is: the basic pension received every month is equivalent to 12% of the local pension calculation base in the year of retirement, plus a personal account pension of four or five hundred yuan or five or six hundred yuan, that is the basic pension received every month.

The pension base for retirees is published in the second half of each year. When we look at the local pension base, we often think that it is very far away from us, which is actually true, because the pension base is already unrecognizable to retirees, especially flexible workers.

The local pension calculation base is multiplied by the employee pension insurance payment index after the average of the insured contributors; and then the pension calculation base obtained is multiplied by 15% (the percentage of the pension of the payment period), and the result is the basic pension of the insured contributors.

Flexible employment personnel to participate in the insurance payment, we must seize the time as soon as possible, the earlier the better, because the lower the cost of payment, the greater their room for maneuver.

Even if it is to stop paying the idea of employee pension insurance payment for fifteen years, it should also be paid as soon as possible, and at the same time as paying the employee pension insurance premium, it is also necessary to pay the employee medical insurance premium, to walk on two legs, do not walk on one leg, do not pay the employee medical insurance premium, unless it is really unbearable, only to pay the resident medical insurance premium.

You must not wait until you are forty-five years old to participate in the insurance and pay the fee, and after fifteen years of payment, you will just go through the retirement procedures and receive a pension. The more so, the higher the cost of contribution, and the lower the pension received after retirement, the less than 1,800 yuan per month, more than 1,450 yuan, at this level, it is far lower than the local minimum wage standard, and the pension is really not available.

The minimum standard of pension for flexible employees should at least meet the local minimum wage standard, and if this goal is to be achieved, it is absolutely impossible for employees to pay pension insurance for twenty-five years. (Original: Zhou Fengchi)