How is the pension payment method calculated?

Pension is a matter of concern to everyone. As long as the country has any new promotion for the aged, it will affect many people's attention. After all, this is related to the rest of their lives. The implementation of the old-age insurance policy can ensure sufficient funds for future life in advance, and at the same time, it can also reduce many burdens on society. People have paid endowment insurance every month for several years. Many rural people are confused about working in foreign factories. Therefore, factories require to buy pensions, and many related uses are still unknown. Let's talk about how to calculate the pension payment method.

First, the calculation standard of pension payment

According to the latest pension calculation and payment method, the pension for employees when they retire consists of two parts, that is, pension plus basic pension plus personal account pension is equal to the amount stored in personal account divided by the number of months, and the number of months to be calculated and paid is determined according to the retirement age and the average life expectancy of the population at that time. The number of months is slightly equal to the average life expectancy minus the retirement age multiplied by twelve. Currently 50 years old 190, 55 years old 170, 60 years old 139. If it is no longer unified, it is 120% of the basic pension, which is equal to the average monthly salary of employees in the whole province in the previous year, plus my indexed monthly average payment salary, multiplied by the payment period and then multiplied by 1%.

It is equal to the average monthly salary of employees in the province last year, plus an average payment index divided by two, and the payment period multiplied by one percent. Among them, my indexed monthly average payment salary = the average monthly salary of employees in the whole province last year? My average contribution index As can be seen from the above formula, under the same payment period, the level of basic pension depends on the individual's average contribution index, which is the historical average of the ratio of its actual contribution base to the average social wage. The lower limit is 0.6% and the upper limit is 3. Therefore, in the two kinds of calculation of pension, in either case, the higher the payment and the longer the time, the more retirement pension income.

Second, the old gold collection period.

The pension is indefinite, and the beneficiary can die as soon as he receives it. Personal pension will increase year by year according to the increase of the average monthly salary of employees in society. Therefore, the longer you live, the more you can get, which is definitely more cost-effective than paying. Average payment index last year's payment base 1000, when the average social wage was 2000, so the index of that year was 0.5. It's easy to calculate the annual average and how much pension can be calculated then. The key is to know what your unit's payment base is. As mentioned above, when the pension is paid, it will be divided into two accounts. Therefore, when calculating the pension amount, the amounts of two accounts will be calculated. As long as you have paid the pension insurance payment period stipulated by law, you will pay monthly according to the amount paid after retirement, even if you don't have any income.