When discussing the question of how much pension can be received after retirement at the age of 60 after the "lowest" social security payment for 15 years, we first need to understand the basic framework of the social security system and the calculation method of pension. The social security system is an important part of the social security system in mainland China, which aims to provide basic living security for the insured. Pension is one of the main sources of income for retirees, and its amount is closely related to factors such as the individual's contributions, the number of years of contributions, and the average local salary level.
First of all, we need to clarify what is the "lowest" social security payment. In mainland China, the level of social security contributions is usually determined according to the individual's salary level or income. The lowest level of social security contributions means that the contribution base of the insured person is at the lowest level, which also means that their monthly contribution amount is relatively small. However, although this payment method reduces the contribution pressure of the insured, it will also affect the amount of pension received after retirement.
Secondly, we need to understand how pensions are calculated. In the mainland, the calculation of pension is mainly based on factors such as the number of years of individual contributions, the level of contributions, and the average salary level at retirement. Generally speaking, the longer the payment period and the higher the payment grade, the more pension you will receive after retirement. At the same time, the average salary level in different regions will also have an impact on the amount of pensions.
So, for those who have paid social security according to the "lowest grade" for 15 years, how much pension can they receive after retirement at the age of 60? There is no one set answer to this question, as the amount of the pension can be affected by a variety of factors. However, we can make a rough estimate based on general calculation methods and relevant data.
Assuming that the average wage level in a certain area is X yuan, the monthly contribution amount of those who pay social security according to the lowest grade is Y yuan, and the payment period is 15 years. Then, when he retires at the age of 60, the cumulative savings in his personal account will be roughly 15 years × 12 months × Y yuan. According to the formula for calculating the pension, the person's personal account pension will be divided by the number of months of calculation for the accumulated savings in his personal account (the number of months corresponding to retirement at the age of 60 is usually 139 months).
In addition, the basic pension component will be calculated based on the average salary level in the region and the individual's contribution level. Generally speaking, the amount of the basic pension will be relatively high, but it will also be affected by the level of contribution and the number of years of payment.
Therefore, we can draw a general conclusion: according to the "lowest" social security payment for 15 years, the amount of pension received after retirement at the age of 60 will be relatively low, but the specific amount needs to be calculated according to the individual's contribution situation, the number of years of payment and the local average salary level.
It should be noted that the above is only a rough estimate, and the actual pension amount may be affected by a variety of factors.