Employees have paid social security for 20 years, why is the pension only 1000 after retirement?

Paying more than 20 years of old-age insurance is actually not a long period, because the minimum payment period stipulated by our country is15th anniversary, so you are only five years longer than the minimum payment period of15th anniversary, so the pension you get after retirement is actually not very high, that is, more than 1000 yuan may be1.

So this kind of income level is actually quite normal, because individuals can only get about 1000 yuan from 800 yuan if they pay according to 15, so you can get more than 300 yuan in five years. For example, individuals in your area who pay according to 15 can get 800 yuan, so your 20 years is about 65438.

Therefore, such income belongs to normal income, because the accumulated payment period is an important condition that determines and affects our future pension. If you want to get a higher pension, you must have a higher average payment index in addition to the accumulated payment period. Because the pension benefits corresponding to different payment indexes are different, and because our payment index can be arbitrarily selected between 60% and 300%, then choosing a higher payment index can get higher pension benefits for ourselves.

Give a simple example. For example, if you have been paying 60% for pension insurance for 20 years, then 60% is the minimum payment level, and you may only get the pension of 1.200 yuan, but if you raise the average payment index to 1.000%, you will get the pension of nearly 1.800 yuan. So there is a clear gap between the two.

But the average payment index is determined according to the payment base you choose every year. If you are an employee of an enterprise, the enterprise will pay social security benefits according to your actual income. However, if you are a freelancer, you can increase your payment index accordingly before paying the fee every year, which is no problem. In this way, you can raise your contribution index and get a higher pension in the future. Many people think that the average contribution index is useless, because we have raised the contribution index, and the relative contribution of endowment insurance will also increase. If you pay 60%, you may only need 6000 yuan a year, but if you pay 100%, you will need 1000 yuan a year, so the payment amount is different, so many people are reluctant to pay more.

But we don't have to worry, because maybe the pension level you get when you first retire is not very high, but from the second year after you retire, the pension will basically increase every year, so your pension will continue to increase in the future. Then your pension income will be high.

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