Insured persons who meet one of the following conditions may apply for a monthly basic pension:
1 July, 9981After joining the basic old-age insurance, reaching the retirement age stipulated by the state, the accumulated payment period (including deemed payment period, the same below) reaches15;
1join the basic old-age insurance before June 30, 998, reach the retirement age stipulated by the state before June 30, 20 13, and the accumulated payment period is 10 years;
1participated in the basic old-age insurance before June 30, 1998, and reached the retirement age stipulated by the state after July 30, 20 13, with the accumulated payment period of 15 years;
/kloc-0 should have participated in the basic old-age insurance before June 30, 1998, and should have gone through supplementary insurance procedures after July 1 year, reaching the retirement age stipulated by the state, and the accumulated payment period is over 15 years.
Monthly receipt:
Basic pension = (last year's average monthly salary of employees in the province ×a+ my average monthly payment salary) ÷2× payment period (including deemed payment period) ×1%;
Personal account pension = personal account storage amount ÷ personal account pension calculation and payment months;
The sum of the above two items is the monthly payment.
Note: The basic pension is adjusted in July every year according to the unified plan announced by the whole province.
Will the loss of labor contract affect the pension for several years? Losing a labor contract for several years has no effect on the pension. When employees reach retirement age, they shall go through retirement formalities according to law, and determine the endowment insurance for employees according to the years and amount of payment.
Social insurance law
Fifteenth basic pension consists of overall pension and individual account pension.
The basic pension is determined according to factors such as individual cumulative payment years, payment wages, average salary of local employees, personal account amount, average life expectancy of urban population, etc.
Sixteenth individuals who participate in the basic old-age insurance will receive the basic old-age pension on a monthly basis if they have paid for fifteen years at the statutory retirement age.
Individuals who participate in the basic old-age insurance and pay less than fifteen years when they reach the statutory retirement age can pay for fifteen years and receive the basic pension on a monthly basis; Can also be transferred to the new rural social endowment insurance or urban residents' social endowment insurance, enjoy the corresponding pension insurance benefits in accordance with the provisions of the State Council.
Seventeenth individuals who participate in the basic old-age insurance, due to illness or non-work-related death, their survivors can receive funeral grants and pensions; Persons who have completely lost their ability to work due to illness or non-work-related disability before reaching the statutory retirement age can receive disability allowance. The required funds are paid from the basic old-age insurance fund.
Article 18 The state establishes a normal adjustment mechanism for basic pensions. According to the average wage increase and price increase of employees, the basic old-age insurance treatment level will be improved in a timely manner.
Nineteenth individuals across the overall regional employment, the basic old-age insurance relationship with my transfer, the cumulative payment period. When an individual reaches the statutory retirement age, the basic pension is calculated in stages and distributed uniformly. Specific measures shall be formulated by the State Council.
Article 20 The state establishes and improves a new rural social endowment insurance system.
The new rural social endowment insurance combines individual contributions, collective subsidies and subsidies.
Twenty-first new rural social endowment insurance benefits are composed of basic pension and personal account pension.
Rural residents who participate in the new rural social endowment insurance meet the conditions stipulated by the state and receive the benefits of the new rural social endowment insurance on a monthly basis.
Does the intermittent payment of social security in Hangzhou account have an impact? Hangzhou hukou social security interruption for one month has the following three main effects:
(a) medical insurance benefits from next month to stop enjoying;
(two) during the interruption of payment, personal accounts are no longer included;
(three) the period of interruption of payment is no longer calculated.
In order not to affect their pension benefits, employees should not easily interrupt the payment of pension insurance.
(A) the length of the interruption of payment directly affects the basic pension level. Because the basic pension is linked to the length of the payment period and the average payment wage index, the longer the interruption time, the shorter the payment period, and the payment wage index during the interruption of payment according to regulations is zero. Therefore, if the insured person interrupts payment, his basic pension benefits will be greatly reduced;
(2) The longer the interruption of payment, the less the personal account accumulation, so the personal account pension is low;
(3) The insured person cannot enjoy the minimum basic pension when he retires. (4) Pension adjustment is also closely related to the payment period. Judging from the current situation of pension adjustment, the amount of adjustment is often linked to the payment time of employees. The longer the payment period, the higher the pension adjustment amount. On the contrary, the amount of pension adjustment is low. It can be seen that in order not to affect their pension insurance benefits, employees should not easily interrupt the payment of pension insurance.
Social insurance law
Article 58 of the Social Insurance Law of People's Republic of China (PRC) * * * The employer shall, within 30 days from the date of employment, apply to the social insurance agency for social insurance registration for employees. If the social insurance has not been registered, the social insurance agency shall verify the social insurance premium it should pay.
I am 42 years old and have paid social security for 20 years. If I don't pay social security, will my pension be calculated according to 15? There is a payment period. If you don't pay 20 years, it will be 15 years. If you stop paying, your pension will be calculated according to your 20-year payment period.
Does it matter if Hangzhou social security transfers to Yuhang after retiring for less than ten years? Social security transfer has no effect. Social security transfer refers to the transfer of endowment insurance relationship between insured persons who are employed across provinces. The insured only needs to apply, and the rest of the work is handed over by the social security departments of the two places.
I am a middle-aged person in the social endowment insurance system. In 2007, the payment was suspended for half a year. If I don't pay it back, will it affect the calculation of pension? According to the current regulations, employees who do not pay fees without justifiable reasons or who are able to pay fees but do not pay fees may be affected, but it does not matter if they leave their jobs.
Sick leave for 5 years will affect the future pension? There must be. The current policy is to pay more and get more! But if you haven't stopped paying insurance, maybe not.
Is it 2 years or 2 years in a row to buy a house in Hangzhou? Continuous.
Social security certificate is one of the most important materials, such as children's education, pension, and some transfers. Specifically, it can be divided into the following categories:
First, children's education-now there are more and more migrants in major cities, and local educational resources are limited. In order to make full use of local educational resources, there are certain requirements for the social security payment period of both parents. Take Hangzhou as an example. If a child wants to go to a public school, both parents need to have a social security payment period of more than one year.
Second, buying a house-the current real estate regulation can be seen. For people who buy a house, there are also requirements for social security in order to ensure long-term development in the local area rather than investing in buying a house. Take Hangzhou as an example, the payment period of social security for buying a house needs to be more than 1 year.
Third, providing for the aged and some transfers-this should have a more intuitive understanding. I hope to get a normal pension after retirement. The minimum requirement for social security, especially endowment insurance, is 15 years.
After buying Guangzhou Social Security and Shenzhen Social Security for several years, will retirement have an impact? There is no difference in the basic old-age insurance paid by these two local units. The payment period of endowment insurance for provincial and municipal social security can be calculated together, and the insured will not lose. Under the same circumstances, the pension after retirement is the same.
The above information comes from express legal affairs, hoping to help you. If in doubt, please ask or call 400-8646-00 1 for consultation.
I come from Suzhou, Anhui. I want to ask if I can continue to pay the old-age insurance premium if I stop paying it halfway. Does it affect my pension? I'm sure I can continue to hand it in. Take my ID card and household registration book to the social security center.
There is no uniform regulation on whether to pay late fees and whether to pay late fees. You can only consult the local social security in person. Don't entrust anyone, consult yourself.
The calculation of overdue fine is 0.2%/ day of the payable fee, which exceeds 10 year. It is not surprising that there are so many.