养老保险缴纳基数到底是怎么计算的

养老保险是我们不可少的一份保险,所以很多人会通过工作单位办理一份养老保险,下面我们看看,养老保险缴纳基数是如何计算的?

养老保险缴纳基数

与社会平均月工资相比,如果你的工资收入高于社会平均月工资3倍时,缴费基数就是按社会平均月工资的3倍计算,以上部分不作为缴费基数计算;如果你的工资收入低于社会平均月工资60%时,缴费基数就按社会平均月工资的60%计算。

例如:当地的社会平均月工资是1500元:

1.你的工资是1200元,养老保险的缴费基数就是1200元,按8%的比例,你应当缴费96元;

2.如果你的工资是5000元,养老保险的缴费基数就是4500元,以上的500元不计为基数,按8%的比例,你应当缴费360元;

3.如果你的工资是800元,低于社会平均月工资的60%,则按1500元的60%计算,你的养老保险的缴费基数就按900元计算,按8%的比例,你应当缴费72元;

招商银行保险提醒,将来你的养老金在计算时是按当时的社会平均月工资*你的缴费年限* 1%+你的全部缴费/120(具体规定地区不同,各地区有相应的规定)

养老保险和年金保险的区别

XX Generally speaking, the pension insurance is a long-term personal insurance for the main purpose of obtaining pensions. It is a special form of annuity insurance, also known as pension insurance. The insured person of the commercial endowment insurance can receive the pension from a certain age after paying a certain premium. In this way, although the insured's income after retirement is reduced, he can still maintain his pre-retirement standard of living because of the help of the pension.

In addition, annuity insurance is not the same as life insurance. Since annuity insurance receives insurance premiums regularly after a specified period of time, in a sense, annuity insurance and life insurance have the opposite effect. Life insurance provides financial security for the insured's loss of income due to premature death, while annuity insurance is an economic reserve that prevents the insured from losing their income or exhausting their savings due to their longevity. If a person's life span is the same as his life expectancy, then his participation in the annuity insurance has neither benefited nor been lost; if his life span exceeds his life expectancy, he receives an additional payment. Therefore, annuity insurance is good for longevity.

The calculation of the base of pension insurance payment, through the above introduction, we have also very clear, with such an insurance, when we are old, we do not have to worry about the problem of old-age care.

xx 儿童保险
评论暂时关闭