1, payment for 20 years: after reaching retirement age, the insured who has paid for 20 years can receive a slightly higher pension every month than those who paid 15. However, due to the short payment period, its pension is still relatively low.

2. Pay for 25 years: People who have paid for 25 years have accumulated more pensions in their personal accounts than those who have paid for 20 years, so they will receive higher pensions every month after retirement.

3. The pay is different. The total payment in 20 years is about 6327 1 yuan, and the total payment in 25 years is about 1 16768 yuan, which is 53497 yuan more than the former;

4. Different pensions. The 20-year basic retirement pension is 1.288 yuan, and the 25-year retirement pension is about 1.959 yuan, which is 67/kloc-0 yuan more than the former.

5. The return time is different. The payback period of 20 years is 49 months, and that of 25 years is 60 months. The latter is more than the former 1 1 month to recover the principal.

6. Pension adjustment benefits are different. According to the national policy on retirement pension adjustment, the provisions of proportional adjustment and linked adjustment will be more beneficial to those with high retirement pension and long payment time.

In a word, according to the national social security policy, the monthly pension is different because of the different social security payment years.

Legal basis:

People's Republic of China (PRC) social insurance law

Article 12

The employing unit shall pay the basic old-age insurance premium according to the proportion of the total wages of its employees stipulated by the state, and record it in the basic old-age insurance pooling fund. Employees shall pay the basic old-age insurance premium in accordance with the proportion of wages stipulated by the state and record it in their personal accounts. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employing unit and other flexible employees who have participated in the basic old-age insurance shall pay the basic old-age insurance premiums in accordance with state regulations and record them in the basic old-age insurance pooling fund and individual accounts respectively.

Article 60

The employing unit shall declare itself and pay social insurance premiums in full and on time, and shall not postpone or reduce the payment except for legal reasons such as force majeure. The social insurance premiums that employees should pay shall be withheld and remitted by the employer, and the employer shall inform me of the details of paying social insurance premiums on a monthly basis. Individual industrial and commercial households without employees, part-time employees who have not participated in social insurance in the employing units and other flexible employees can pay social insurance premiums directly to the social insurance premium collection agencies.