Because the old man born in 1964 asked, he will be 60 years old this year, but the pension insurance payment has not been 15 years, what should I do? continue to pay, afraid of losing money; If you don't pay, you're afraid of losing money. In fact, there are three ways to choose:
1. Continue to pay pension insurance for 15 years.
In fact, according to the provisions of the Social Insurance Law, those who have reached the statutory retirement age and have paid pension insurance for 15 years can receive a basic pension on a monthly basis. If it is less than 15 years, the contribution should continue to be paid until the full 15 years, that is, the contribution should be extended to 15 years.
Of course, the pension insurance we are talking about refers to the basic pension insurance for employees.
The basic pension insurance for employees has high contributions and high treatment, and to be honest, it is suitable for the elderly. The pension calculation formula of employee pension insurance is as follows:
(1) The basic pension is mainly based on the payment period and the average contribution index of the person, and receives a certain proportion of the average salary of the previous year of retirement.
If you pay according to the minimum base of 60% of the grade, you can receive 12% of the average salary of the previous year of retirement for the basic pension. According to last year's average salary level, the basic pension in most places is almost between 800 ~ 1000 yuan.
(2) The personal account pension is equal to the balance of the personal account ÷ the number of months determined by the retirement age.
The balance of the personal account of endowment insurance, if it is paid for 15 years, can be almost 4~60,000 yuan.
The number of months determined by the retirement age, to be honest, can be wiped out after the age of 60. The number of months counted at age 61 is 132 months, at age 62 is 125 months, at age 63 is 117 months, at age 64 is 109 months, and at age 65 is 101 months. That is, the older the retirement age, the smaller the number of months, the higher the calculated personal account pension.
If you retire at the age of 61, the balance of your personal account is 50,000 yuan, and your monthly personal account pension is about 379 yuan.
Therefore, after paying for 15 years, the pension is about 1200~1400 yuan. Although it is said that it is impossible to achieve full pension, there is no big problem in ensuring basic life.
After retirement, the pension will increase every year, even if the proportion of growth is relatively low this year, such a group of people can increase by fifty or sixty yuan. The older you get, the more money you get.
After the death of the insured person, the family members can also receive funeral subsidies and pensions, which are the monthly per capita disposable income of urban residents in the province in the year before the death of the 11 months. In 2024, the provincial standard will generally be more than 3~50,000 yuan.
Generally speaking, employee pension insurance is high payment and high treatment, which is more suitable for old-age care. It is still very necessary for people who are healthy and feel that they can live to an older age.
2. Transform into old-age insurance for urban and rural residents.
If we say that our employee pension insurance is only paid for a short time, such as one or two years. If you continue to pay, you may need to retire in your 70s, so there is no need.
There is also a kind of endowment insurance in the mainland, called endowment insurance for urban and rural residents, which can be connected with endowment insurance for employees. The biggest advantage of this pension insurance is that it can be made up at the age of 60 at one time, without continuing to pay (Guangdong Province requires 65 years old), and the pension is received earlier.
When the pension insurance is merged, the account balance of the employee pension insurance will be merged into the resident pension insurance, and the personal account pension will be calculated together. The personal account pension is the account balance divided by 139.
In addition, coupled with the basic pension subsidized by the state, the minimum standard in the country is about 123 yuan per month, generally between 150 yuan and 200 yuan. The highest place is Shanghai, which is 1,400 yuan, and you need a local household registration to participate in the insurance.
3. Apply for termination of pension insurance when you reach retirement age.
In this case, you can withdraw the balance of the personal account of the pension insurance together, and then rely on your own pension.
Generally speaking, the first and second ways should be chosen according to their age and employee pension insurance contributions, and the third way is more extreme and not recommended. #养老保险参保#