In Henan Zhoukou, if the social security base is 6,900 yuan, the amount of pension you can receive is calculated based on two main components: the basic pension and the individual account pension. The amount of pension you can get is affected by factors such as payment years and retirement age, and the specific amount needs to be calculated according to relevant formulas. Here's a breakdown:
- Calculation of the basic pension:
- The formula for the basic pension is .(Provincial average monthly wage of on - the - job employees in the previous year+My indexed average monthly contribution wage)÷×Contribution years×1%
- Suppose the provincial average monthly wage of on - the - job employees in the previous year is yuan. If the social security base is 6,900 yuan, and assuming the contribution index is 1 (when the contribution base is the same as the social security base), and the contribution years are Ayears. My indexed average monthly contribution wage is yuan. Then the basic pension n.P=(A+)÷×n×1%
- For example, if yuan and A=years, then n=yuan.P=(+)÷××1%=(÷)×0.15=892.5
- Calculation of the individual account pension:
- The formula for the individual account pension is .Individual account savings amount÷Calculation and payment months
- The individual contribution part of the pension insurance is yuan per month. If the contribution years are ×8%=years, the total individual contribution amount (ignoring interest) is nyuan.××n
- The calculation and payment months are related to the retirement age. For example, if you retire at 60 years old, the calculation and payment months are 139 months; if you retire at 55 years old, the calculation and payment months are 170 months.
- Suppose you retire at 60 years old and the contribution years are 15 years. The total individual contribution amount (ignoring interest) is yuan. Then the individual account pension ××=yuan.P=÷≈714.82
- Total pension:
- The total pension . Using the above - mentioned example data, P=P+Pyuan.P=892.5+714.82=1607.32
It should be noted that the above calculations are simplified examples. In actual situations, factors such as the change of the provincial average wage of on - the - job employees, the interest of the individual account, and possible policy adjustments will affect the final pension amount. It is recommended to consult the local social security department for the most accurate calculation results.