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自己承担全部社保费,交满15年后能领多少养老金?

2017-05-29 11:25:40   

社保问题备受关注。最近,思之想之收到了很多人的咨询,有人问,自己全部承担社保费用,缴纳15年,退休后每月可以领多少养老金呢?

经过交流得知,这位女性是以灵活就业的身份参加的职工养老保险。这就首先可以明确两点,一是按照规定,女职工的法定退休年龄是50岁,这意味她最晚要从35岁开始缴纳养老保险。

二是以灵活就业人员的身份参加职工养老保险,在缴费情况一样的情况下,退休后享受的养老金待遇和企业职工是一样的。

根据规定,城镇个体工商户和灵活就业人员参加基本养老保险的缴费基数为当地上年度在岗职工平均工资,缴费比例为20%,其中8%记入个人账户,退休后按企业职工基本养老金计发办法计发基本养老金。

实践中,不少地方规定灵活就业人员可以在当地上年度职工月平均工资60%~300%之间选择缴费基数。

那么,退休后能领多少养老金呢?由于养老金待遇的计算非常复杂,当地社会平均工资、缴费基数、缴费年限不同,能领到的养老金也不一样。

退休后养老金由基础养老金和个人账户养老金构成,其中,基础养老金=(退休时上年度职工月平均工资+本人指数化月平均缴费工资)÷2×(1%×缴费年限)。

人账户养老金=个人账户金额÷计发月数(50岁退休的月除数是190,55岁退休的月除数是175,60岁退休的月除数是139)。

由于我们不知道具体的平均工资、缴费基数,所以无法计算出具体养老金,但大概能领到一两千元养老金是没问题的。目前,2016年全国企业退休人员月人均基本养老金达到了2362元。

需要强调的是,退休所在地的平均工资越高,养老金就越高。那么,你能领到多少养老金呢?

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