"When the unit paid social security, I did not consider the payment grade, at that time, it was in accordance with the regulations of the unit, more or less the company was unified, and did not think much, now unemployed to pay their own, so many grades I tangled, how to choose the most cost-effective?"
The level of social security payment is different, making it difficult for many flexible employment personnel to choose, and some people simply pay directly according to the 60% grade, or have been paying according to the 100% grade.
However, the social security payment period is so long, no one can guarantee what the future life will look like, some people are getting better and better, in the 5 years before retirement, they want to sprint to pay, improve the level of insurance to make the pension "greatly increased".
Some people have reduced their previous 100% grade to 60% because the burden is too heavy 5 years before retirement. How big is the pension change by upgrading the premium payment level and reducing the insured payment level?
The following [Social Security Actuary] for your in-depth analysis:
01, 17 years of insurance 100% file, 5 years before retirement to change 60% file, how much pension decline?
For flexible employees, paying social security out of their own pockets and insisting on it for many years is a very stressful expenditure.
For example, my neighbor Lao Li, who has paid 100% of the premiums for 17 years, but at the age of 55, he really can't stick to it, so he wants to reduce to 60% of the payment in the next 5 years, how much will the pension fall?
In order to calculate the comparison of the payment of the two, we assume that Dalian Lao Li is insured according to the payment period in the following figure, and two sets of data need to be calculated below:
(1) If Old Li has been paying according to the 100% grade for 22 years, how much is the pension?
(2) If Old Li is insured according to the 100% grade for 17 years, and changes to 60% grade in the 5 years before retirement, how much is the pension?
Because Lao Li has paid all his own contributions for so many years, there is no deemed payment period, and there is no transitional pension, so the composition of the pension is only two parts: the basic pension and the personal account pension.
The calculation data in this article does not calculate the interest of the personal account, and in the case of a relative comparison benchmark, the gap between the two methods is calculated, so that everyone has a number in mind when paying the fee.
(1) If Lao Li has been paying according to the 100% grade, the average payment index is 1, just in 2020 retirement, then the basic pension = 7962 * (1 + 1) / 2 * 22 * 1% = 1752 yuan, personal account pension = 68301 / 139 = 491 yuan, the sum of the two is 2243 yuan.
(2) If lao Li pays according to the 60% grade in the 5 years before retirement, then the average payment index is 0.909, the balance of the personal account has dropped to 57259 yuan, the basic pension = 7962 * (1 + 0.909) / 2 * 22 * 1% = 1672 yuan, the personal account pension = 57259 / 139 = 412 yuan, the sum of the two is 2084 yuan.
【Summary】 Because of the compulsion of life, helplessly reduced the payment level, the pension fell by 159 yuan, the result is acceptable, and there is no sharp decline in imagination, however, the future pension rise, because one of the linked adjustments is linked to the pension level, and the corresponding increase will be less, fortunately, the amplitude is not large.
02, 17 years of insurance 60% file, 5 years before retirement to change 100% file, how much pension decline?
In real life, some people have also heard that in the 5 years before retirement, the pension will be greatly improved by raising the level of insurance contributions.
For example, my neighbor Lao Li, he has been insured for 60% of the 17 years of payment, but at the age of 55, he has surplus money on hand, he wants to sprint to pay pension insurance, mentioning 100% grade, will the pension rise sharply?
In order to calculate the comparison of the payment of the two, we assume that Dalian Laosun is insured according to the payment period in the following figure, and two sets of data need to be calculated below:
(1) If you have been paying according to the 60% grade for 22 years, how much is the pension?
(2) If you are insured for 17 years according to the 60% grade, and change to the 100% grade in the 5 years before retirement, how much is the pension?
(1) If lao sun has been paying according to the 60% grade, the average payment index is 0.6, just retired in 2020, then the basic pension = 7962 * (1 + 0.6) / 2 * 22 * 1% = 1401 yuan, personal account pension = 40981 / 139 = 295 yuan, the sum of the two is 1696 yuan.
(2) If the payment level of the old grandson in the 5 years before retirement is raised to 100%, then the average payment index becomes 0.691, the balance of the personal account is also increased to 52023 yuan, the basic pension = 7962 * (1 + 0.691) / 2 * 22 * 1% = 1481 yuan, the personal account pension = 52023 / 139 = 374 yuan, the sum of the two is 1855 yuan.
【Summary】 Because I thought that after more than five years of payment, the pension could rise sharply, and the result was that the pension received 159 yuan more, and there was no qualitative leap as imagined.
03. There is no inflection point in the payment of insurance
Through the above data calculation, we found that there is no so-called inflection point in the insurance payment, if it is necessary to adhere to the sprint payment 1 year before retirement, 2 years before retirement or even 5 years before retirement, the pension did not rise as expected.
Pension, is the vast majority of people in the old age income of the only guarantee, but also a long-term expenditure, for the life pressure, difficult to pay the flexible employment of people, it is recommended to do what they can, there is no need to pursue a high level of payment.
More payment, long payment, pension is naturally more collared, the future can also rise more, this is the general principle of social security contributions, in the level of insurance everyone does not need to be too entangled, as long as the ability to do, choose the right for their own can be.
At present, there are more flexible employment personnel who pay 60% and 100% grades, but with the rise of social equal wages, even if the minimum payment is 60% grade, the cost is also tens of thousands of expenditures, so the local flexible employment personnel subsidy policy is best to understand more, and there are many reimbursements that meet the conditions, which can effectively reduce the pressure of payment.
Which grade of insurance payment do you have, welcome to leave a message to discuss?