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基础养老金是指参保人员退休时,国家为其缴纳的基本养老保险待遇的组成部分。它主要根据个人缴费年限、缴费基数和缴费比例等因素计算得出。
基础养老金的计算公式为:基础养老金=(参保人员退休时当地上年度在岗职工月平均工资+本人指数化月平均缴费工资)÷2×缴费年限×1%。其中,参保人员退休时当地上年度在岗职工月平均工资是指当地职工月平均工资,本人指数化月平均缴费工资是指参保人员历年缴费工资的指数平均值。
除了基础养老金,国家还为参保人员提供个人账户养老金、过渡性养老金等其他形式的养老金。这些养老金的计算方法与基础养老金略有不同,但都需要考虑个人的缴费年限、缴费基数等因素。