2026 social security: one more year's old-age pension and a steady extra benefit for life
A lot of people think about it: 15 years of old age and enough money. Many workers and self-employed workers have paid off their contributions at the lowest possible time, but they will not regret it until they retire, they will pay less for a year, they will pay less for months to come, and they will lose their annual increases. In conjunction with the old-age pension calculations in force in all regions in 2026, it is clear how much more will be spent in the rest of the year。
I. Pensions split into two, one more year, two increases together
Our retirement pension is based on two main components: the basic pension plus the personal account pension。
1. The basic pension is paid by the consolidated fund, which is directly linked to the years of contributions, and is paid at an additional rate of one year, the higher the average local wage, the greater the value of the years
2 8 per cent of the personal account is deposited in full, and interest is available annually, much more so that the monthly share of retirement money is in hand。
Many are staring at the money they pay out, ignoring the increase in the basic pension, which is also the most cost-effective point for long-term contributions。
Two, three people to settle, how much more money to pay each month
Based on the current base figures for cities in the 3rd and 4th and 2nd rows, the sub-units are classified as low, medium and flexible, all of which are accounted for at age 60, receiving age 80 (20 years)。
1. 60 per cent contribution rate for unit workers
Small towns on the 13th and 4th lines: one more year, more than 90 cents a month, 1,000 years old, and around 22,000 regular years. Individuals are charged only about 4,000 premiums a year, and the unit is responsible for the bulk, with fewer inputs and much more。
2nd-line cities: one hundred and eight extra dollars per month, another twenty-six thousand in 20 years。
2. Normal unit contribution at full salary (100 per cent of the median)
Three or four lines are more than 120 per month, 30,000 in 20 years; one hundred and fifty per month, thirty-six in 20 years. Wages go to work normally and do not have to cover large additional expenses on their own, insisting on a higher premium。
3. Flexible employment by yourself
The whole insurance contribution is paid on its own for one year, up to $10,000 a year, but it also receives an additional 90 per month. In 78 years, they will be able to return, and the remaining 10 years will be spent on pure earnings, and the annual increase in pensions will result in a steady overall gain。
Iii. Invisible benefits that are easily ignored, with annual wage increases taking advantage
1. Annual pension increases, one of which is an increase in the number of years of contributions, an increase of one year, an increase in each subsequent round, and a significant increase in income
2. Annual increases in the social security wage, the payment of contributions one year later, higher basis for accounting for pensions and higher threshold for intangible pensions
In addition, there is a sufficient number of years of pension contributions, and it is also possible to save the employee's health insurance on retirement, thereby avoiding a one-time large premium。
Four or three common faults, many for nothing. The pit
1. Mistake one: 15 years, wasteful. Fifteen years as a pension threshold, with a monthly retirement pension of more than 1,000 per month paid for 15 years, living a very tight life, with the longer the years, the better the income
2. Misdirection ii: flex-employment combination was thrown out. It is through integration that we can receive monthly money for life, not disappear
The delay in retirement is not cost-effective. Delays in retirement are a gradual transition, with the base of payments rising at the same time, and long-term contribution returns。
Recommendation: stay in low gear at hand, get better income and move up to a level of contribution。
V. A true example of what's going on around you
Henan's two same-aged aunts, who also paid early and low-end contributions for 15 years, have paid out their contributions and have paid five more years. Retired in 2026, there was a gap of more than $600 per month, more than 7,000 a year and more than 140,000 in 20 years。
A flexible employer in changzhou, who had been planning to stop paying for 15 years, chose to pay another year, retire more than 90 times a month and earn more than 20,000 in his lifetime. It's a real accounting case in every social security hall。
Vi. Interactive messages
How many years have you paid your pension? Was it supposed to stop in 15 years
2. What is the difference between a retirement pension of 15 and 20 years
3. Will flexible employment friends continue to be insured when they complete the bookkeeping
It is a matter of great concern that we will continue to measure our future pensions on the most up-to-date basis。
