The monthly pension is 8000 yuan, how much is the insurance individual account returned?

2022-06-15 0 By

The monthly pension is 8000 yuan, how much is the insurance individual account returned?Specific return how much money, different pooling area provisions are not exactly the same.Some place is according to plan as a whole area average capture cost base serves as the base that return, have a plenty of according to annuities as return base, the return scale of retiree is highest.China’s urban employee medical insurance is paid by the employing unit and individual employees in proportion, the total proportion of payment is 8%, and the employing unit’s contribution is 6%. In places where the mutual aid guarantee mechanism of medical insurance outpatient service has not been implemented in place, 30% should still be returned to individual accounts in accordance with the past regulations.2% of worker individual capture expends part to want to return to individual account entirely.But in the place where the system of mutual aid security of outpatient service of worker medical insurance has been established and landed, unit pay cost part is no longer included in individual account, only 2% of individual pay is included in individual account. According to the current provisions of most places, mechanism of mutual aid security of outpatient service of medical insurance can be officially landed in January 2023 or 2024.Retirees after retirement, if the number of years of payment of medical insurance reaches the number of years of payment stipulated by the state, also should be returned to the individual account in accordance with a certain proportion.Because retiree divides unit capture cost and individual capture cost no longer, the base that returns so some place is the base that returns according to the average capture cost base of on – the – job personnel, also some place is the base that returns according to him annuities, the return scale of retiree is highest, can achieve 4% left and right sides commonly.At present, the implementation measures of the mutual aid guarantee mechanism for the outpatient service of the employee medical insurance have been introduced, but it has not been officially implemented. Before the mutual aid guarantee mechanism for the outpatient service of the medical insurance has not been officially implemented, it still needs to be returned according to the past system.The medical treatment insurance of our country still is the administrative unit of the ground city level that executes at present regards as a whole area, each plan as a whole area regulation difference is bigger.Taking Guangzhou city of Guangdong Province as an example, according to the regulations of social medical insurance of Guangzhou city, the employees who participate in social medical insurance of employees can set up personal accounts, and the retirees are 4.1% of the average monthly salary of the city’s employees in the previous year.According to the regulations of Guangzhou city, the monthly pension of 8,000 yuan for retirees has nothing to do with the contribution base of medical insurance, nor does it have anything to do with the return of medical insurance to personal accounts. Instead, the return base should be based on the average monthly salary of employees in Guangzhou in the previous year, and the return ratio is 4.1%.For example, in 2020, the average monthly salary of employees in Guangzhou is 8,218 yuan, and the monthly pension of 8,000 yuan will be returned 336.94 yuan, which is a little higher and more cost-effective than the pension as the return base in Guangzhou.According to the regulations of Chengdu, Sichuan Province, the average salary of the previous year will be increased by 0.035% for every one year of retirement after 2% of the average salary of the previous year.If his basic pension is higher than the average salary of chengdu workers in the previous year, his basic pension is the base of individual account.If take the annuities of 8000 yuan every month in Chengdu, the age is 65 years old, so delimit scale is 2.175%.According to the regulations of Chengdu city, if the pension of retirees is higher than the average monthly salary of employees in the previous year, the pension will be used as the base of the deduction.In 2020, the average monthly salary of employees in Chengdu is 6,963 yuan, and the monthly pension of 8,000 yuan is higher than the average monthly salary of employees in Chengdu. Therefore, the monthly pension of 8,000 yuan shall be used as the contribution base, and the proportion of retirees aged 65 is 2.175%, and the monthly fund allocated to the personal medical insurance account is 174 yuan.To sum up, the contribution base and proportion of individual medical insurance accounts are completely different in different places. According to the regulations of Guangzhou, the pension holder with 8000 yuan per month is based on the average monthly salary of employees in Guangzhou in the previous year, and the contribution ratio is 4.1%, with 336.94 yuan per month.In Chengdu annuities is above average monthly salary of worker of post on year, according to the annuities of 8000 yuan every month as delimit base, delimit scale is 2.175%, delimit 174 yuan every month.