How to pay the cost-effective community endowment insurance?

It is most cost-effective to pay community endowment insurance according to the highest grade.

The higher the payment, the higher the government subsidy standard and the better the pension benefits.

The difference between community pension and social security pension

1, community pension (referred to as urban and rural residents' pension insurance) refers to those who have never worked in an enterprise and whose retirement age is below 15, and can handle it in the local community. Its characteristics are: low payment and low pension collection;

2. Social security pension refers to working in an enterprise or being self-employed. After retirement, the payment period reaches 15 years, which can be handled by units or individuals. Features: high payment and high pension;

The above are collectively referred to as social endowment insurance, which is the most basic insurance, and the state can only solve the most basic life.

1. Payment method of community endowment insurance:

Community endowment insurance is mainly composed of individual contributions and government subsidies. When individuals pay fees, they can bring relevant supporting materials to the local agricultural insurance office for handling.

1. Personal payment. Urban residents who participate in the old-age insurance for urban residents shall pay the old-age insurance premium according to the regulations. At present, the payment standard is set at 100 yuan per year, 200 yuan, 300 yuan, 400 yuan, 500 yuan, 600 yuan, 700 yuan, 800 yuan, 900 yuan, 100 yuan and 10 grades. Local people's governments may add payment grades according to actual conditions. Insured people choose their own grades to pay, and pay more. According to the economic development and the growth of per capita disposable income of urban residents, the state adjusts the payment grade in a timely manner.

2. Government subsidies. The government pays the basic pension for urban residents in full to the insured who meet the conditions for receiving treatment. Among them, the central government gives full subsidies to the central and western regions and 50% subsidies to the eastern regions in accordance with the basic pension standards set by the central government.

The local people's government subsidizes the payment of the insured, and the subsidy standard is not less than 30 yuan per person per year; Appropriate encouragement may be given to those who choose higher-grade standard payment, and the specific standards and measures shall be determined by the people's governments of all provinces (autonomous regions and municipalities). The local people's government will pay part or all of the minimum standard old-age insurance premium for severely disabled people in cities and towns.

3 to encourage other economic organizations, social organizations and individuals to provide financial support for the payment of the insured.

3. Community endowment insurance can be queried online.

Insured persons can log in to the inquiry system of urban and rural residents' endowment insurance as long as they log in to the website of the Municipal People's Social Security Bureau and click "Inquiry of Urban and Rural Residents' Endowment Insurance". As long as the insured enters his name and ID number and clicks the "Query" button, he can see his own enrollment, payment, financial subsidy, payment period, personal account and historical payment. If you are a treatment recipient, you can also see your own treatment. This can give the insured a clear explanation, so that the insured can enjoy the full right to know about insurance claims. In order to satisfy the insured's concern about how much pension he can get when he reaches the legal retirement age, the online pension simulation calculation function is also provided. The insured can calculate the approximate amount of pension at retirement by choosing his own payment amount and payment period.

legal ground

Social insurance law

Article 15

The basic pension consists of overall pension and individual account pension.

The basic pension is determined according to factors such as individual cumulative payment years, payment wages, average salary of local employees, personal account amount, average life expectancy of urban population, etc.

Article 16

Individuals who participate in the basic old-age insurance will receive the basic old-age pension on a monthly basis if they have paid a total of fifteen years when they reach the statutory retirement age. Individuals who participate in the basic old-age insurance and pay less than fifteen years when they reach the statutory retirement age can pay for fifteen years and receive the basic pension on a monthly basis;