How much pension insurance
Simply put, pension "five insurance" one (pension, medical, unemployment, work injury, childbirth). Please note that is the basic needs of life, that can meet our retirement after nothing to go out to drink tea, square dancing retirement life needs? Below I will take you to see the pension insurance can really old age?1, pension insurance to pay how much? Pension insurance = contribution base * contribution ratio ... Want to know more about how much pension insurance to pay, follow me together. Simply put, pension "five insurance" one (pension, medical, unemployment, work injury, maternity). Please note that is the basic needs of life, that can meet our retirement after nothing to go out to drink tea, square dancing retirement life needs? Here I will take you to see the pension insurance can really old age? 1, how much pension insurance to pay? Pension insurance = contribution base * contribution ratio. The contribution base has a lower limit and an upper limit, the lower limit is 60% of the average salary of the province in the previous year, and the upper limit is 300% of the average salary of the province. This means that if your pre-tax income is within this range, the contribution base is your pre-tax income, and if your pre-tax income exceeds the upper limit then your contribution base is the upper limit. The contribution rate is divided into the individual contribution rate and the enterprise contribution rate, which are 8% and 20% respectively. For example, your monthly salary is 10,000 yuan, then you need to pay 10,000 * 8% = 800 yuan plus 10,000 * 21% = 2100 yuan paid by the enterprise you work for a total of 2900 yuan. 2. How long do you pay for pension insurance? At least 180 months (15 years) before retirement, you can receive a monthly pension after retirement. And here 180 months of pension insurance do not need to pay continuously, as long as the cumulative can be! However, if you have not paid for the full 15 years after you retire, can you still receive your pension? The answer is no. At this point you have only two choices: 1, continue to contribute until the full 15 years, 2, a one-time to make up the 15 years of contributions. Because by the state regulations pension must wait until 15 years of pension insurance payment is completed, you can start to receive! At this point, you may think: I do not pay enough, you can refund ah. Umbrella insurance consultants remind you not to easily surrender, because even if you go through the trouble of surrendering the insurance successfully, you can only get the individual part of the individual contributions, the part paid by the enterprise will not be refunded to you. This means that your hard-earned salary exists in an account with no interest, but also experienced a decade of inflation. 3. How much can I get for my pension? These complex formulas want you can't read, you just need to know: if your pre-retirement salary is higher than the average social wage, then after retirement you can receive the pension will shrink! For example, before retirement your salary 10,000, the social average of 5,000; after retirement if the social average of 6,000, your pension will be less than 6,000 dollars. The rest can be understood as a subsidy to the low-income groups. After calculations found that if you pay 30 years before retirement or even 40 years of pension insurance still can not reach half of the monthly salary before retirement. 4. How to protect our retirement? Because the basic pension insurance set by the state only protects our basic needs after retirement, we can't rely on pension insurance alone to protect our quality of life. The solution to this problem is to choose a suitable commercial pension insurance, as a supplement. This will allow you to enjoy a quality of life in old age. **Life's Pearl River steady win lifetime pension annuity insurance, its unique and exclusive pension financial products, from the age of 65 years old to receive a pension every year, you can also be guaranteed to receive 20 years of pension. It is a good choice. Rules of insurance Term of insurance:Lifetime. Payment method: agreed with the insurance company. Insured age:18-60 years old.