In Anhui Huaibei, if the social security base is 15,100 yuan, the amount of pension received is calculated based on two main components: the basic pension and the individual account pension. The approximate amount of pension that can be received will be affected by multiple factors such as the length of payment and the local average wage, but generally, it will be at a relatively high level compared to lower payment bases.
- Calculation of basic pension: The formula for calculating the basic pension is . If the social security base is 15,100 yuan, assuming a long payment period and a relatively high personal average payment index (because the payment base is high), the calculated basic pension will be relatively high. For example, if the local average monthly wage of on - the - job workers in the previous year is 7000 yuan (for reference only, the actual value may vary), and the personal average payment index is 2 (since the payment base of 15,100 yuan is relatively high compared to the average wage, the index will be high), and the payment period is 30 years. Then the basic pension = Basic Pension=(Average Monthly Wage of Local On−the−job Workers in the Previous Year×(+Personal Average Payment Index)÷×Payment Years×1%)yuan.(×(+)÷××1%)=
- Calculation of individual account pension: The formula for calculating the individual account pension is . The individual account amount is accumulated by the part of the payment that goes into the individual account over the years. With a social security base of 15,100 yuan, the amount deposited into the individual account each month is Individual Account Pension=Individual Account Accumulated Amount÷Pension Calculation Monthsyuan (assuming the proportion of the individual payment into the individual account is 8% for pension insurance). Over many years, the accumulated amount in the individual account will be relatively large. For example, if the payment period is 30 years (360 months), and assuming no interest calculation for simplicity, the accumulated amount in the individual account is ×8%=yuan. If retiring at the age of 60, the pension calculation months are 139, then the individual account pension = ×=yuan.÷≈3128.63
- Total pension: The total pension = basic pension + individual account pension. Continuing with the above example, the total pension = yuan. However, this is just a rough estimate, and in reality, factors such as interest on the individual account, changes in the local average wage over the years, and policy adjustments will all affect the final amount of pension received.+3128.63=6278.63
In conclusion, if the social security base in Huaibei is 15,100 yuan, the amount of pension received is relatively high, but the specific amount needs to be accurately calculated according to personal payment years, local social average wage and other factors. It is recommended to consult the local social security department for the most accurate results.