Flexible obtain employment is emeritus salary, buy town with the identity of personnel of flexible obtain employment namely personnel of flexible obtain employment is basic endowment insurance. The amount of provide for the aged that emeritus old person receives every months is spent, with capture expenses fixed number of year shows positive to involve a concern!
Endowment insurance of personnel of flexible obtain employment presses local worker the 60%-300% of average wage is expended for base computation capture, pay fee scale is 20% ; Among them 8% parts enter individual account, 12% parts plan as a whole into the society fund.
Accumulative total capture expends 15 years, male full 60 one full year of life, female full 55 one full year of life, can get old-age pension by the month, and no longer cost of pay endowment insurance, retire with institution of national cadre, mechanism worker, company worker is euqally lifelong enjoy endowment insurance treatment, rise stage by stage as socioeconomy development.
Affect the main factor that amount of provide for the aged of personnel of flexible obtain employment spends:
1, worker of on guard of the year on place is mean monthly salary: The month is basic annuities is comprised by fundamental annuities and individual account annuities, in capture expenses fixed number of year and capture expend the circumstance with fixed cardinal number to fall, level of local economy progress jumps over tall, worker average wage is taller, specified number of fundamental pension account is spent taller.
2, capture expends fixed number of year: Endowment insurance is executed " much capture is gotten more " basic principle, pay expenses fixed number of year is higher, individual account annuities and fundamental account annuities can increase.
3, capture expends base: Staff of flexible obtain employment plays endowment insurance, general according to lowest the capture of 60% expends base pay endowment insurance. Taller to partial income, think of higher income aged when take, can adjust capture to expend base appropriately according to his income state so, highest for 300% . In local society the circumstance with average wage and pay expenses changeless fixed number of year falls, amount of basic provide for the aged spends the month to expend base to show direct ratio to concern with capture. 4, emeritus age: Ginseng keep a person emeritus age is taller, capture expends time to grow more, fundamental annuities and amount of individual account provide for the aged are spent taller also. In addition, most province city is being adjusted in those days when annuities adjusts plan, can be aimed at the subsidy that receives the ginseng with old person and pay expenses higher fixed number of year high to protect personnel to make corresponding forehead spend, the pay that raises oneself appropriately expends fixed number of year, can promote the living standard after oneself are emeritus directly.5, individual income level. In capture fee scale and capture expend the circumstance with changeless fixed number of year to fall, income level is higher, the specified amount of endowment insurance cost of pay is spent taller also, the specified amount that enters individual pension account is spent also meet a lot of taller.
[give typical examples]
If a worker attends endowment insurance with the identity of personnel of flexible obtain employment, 60 years old retire, local worker is mean monthly salary is 5000 yuan, accumulative total capture expends fixed number of year to be 20 years, computation is different the amount of fundamental provide for the aged below pay cost base spends:
Base of average pay cost is 60% : (5000+5000 × 0.6) 2 × of ÷ 20 × 1%=800 yuan;
Base of average pay cost is 100% : (5000+5000 × 1) 2 × of ÷ 20 × 1%=1000 yuan;
Base of average pay cost is 300% : (5000+5000 × 3) 2 × of ÷ 20 × 1%=2000 yuan
When accumulative total capture expends fixed number of year to be 40 years:
Base of average pay cost is 0.6 when, fundamental annuities = (5000+5000 × 0.6) 2 × of ÷ 40 × 1%=1600 yuan;
Base of average pay cost is 1 when, fundamental annuities = (5000+5000 × 1) 2 × of ÷ 40 × 1%=2000 yuan;
Base of average pay cost is 3 when, fundamental annuities = (5000+5000 × 3) 2 × of ÷ 40 × 1%=4000 yuan.
Here serves as an example only, calculated the forehead in account of pension of the foundation below different condition is spent, in the society the circumstance with average changeless wage falls, capture expends base and the addition that capture expends fixed number of year, can cause growth of ground of twice of fundamental account annuities. Because individual account specified number is spent,mix with account amount only emeritus age is relevant, pay cost base and ginseng protect fixed number of year to change the change that cause is very intuitionistic!
After capture expends base to decide, because personnel of flexible obtain employment needs pay the society of 20% is average salary, among them only 8% can enter individual account, to good-paying person for, attending endowment insurance with capacity of staff of flexible obtain employment is very not of be to one's profit, this kind of ginseng protects means to be applied to only in low income person.
Endowment insurance is the basic life after those who protect is aged originally, for taller to income level person, should not need to consider the issue of provide for the aged!
Information of more the people's livelihood, in paying close attention to Chongqing fair!
