Payment index = (a1/a1+a2/a2+a3/a3 ...+n)/n
A= payment base A= corresponding average monthly salary of on-the-job employees N= payment period
If the insured XXX reaches the statutory retirement age in 20 1 1 year, the payment period is 18 years, in which ***5 years is calculated as 100%, * * 6 years as 80%, and * * * 7 years as 60%.
Payment index = (5 *1+6 * 0.8+7 * 0.6)/18 = 0.7778.
My indexed monthly average payment salary =3000*0.7778=2333.4 yuan.
Extended data:
Basic principles of constructing endowment insurance;
(a) to ensure basic living.
The purpose of basic old-age insurance is to ensure the basic life of workers after they quit the labor field. This principle puts more emphasis on social equity and is beneficial to the low-income class.
The replacement rate of basic pension for low-income people (that is, the proportion of pension to on-the-job wage income) is higher, while the replacement rate for high-income people is relatively low. Workers can also obtain higher pension income by participating in supplementary pension insurance (enterprise annuity) and personal savings pension insurance.
(B) the combination of fairness and efficiency.
The treatment level of endowment insurance should not only reflect social fairness, but also reflect the differences among individuals. While maintaining social equity, it emphasizes the role of endowment insurance in promoting efficiency.
Baidu encyclopedia-basic endowment insurance for employees