How long can the rural pension be? What if you don't get it and die? Solve doubts in one article

No matter in urban or rural areas, most people will buy an old-age insurance. Some work units or enterprises will pay, and some will pay the related expenses themselves every month.

When the old-age insurance has been paid for a certain number of years, your age meets the requirements, and everyone can receive a pension every month.

However, there are still many questions about this pension. For example, how long can rural pensions be? What if I die after I confiscate it? Or died before reaching retirement age and received it; Received a pension for a year or two and died; Then, will everyone pay the pension insurance for most of their lives? Let's get to know each other.

How long can the rural pension be?

Generally speaking, the age of receiving rural pensions is 60 for men and 50 for women, and they have never enjoyed the basic old-age insurance for urban workers. After reaching the conditions for receiving a pension, you can start receiving a pension the next month.

As for how old you can be, there is no clear age limit. Generally speaking, you can get the day of death.

Old-age care is mainly to ensure that everyone has a sense of security.

What should I do if I die without getting a rural pension?

This problem is also a common example in real life, and it can be divided into several situations, such as the death of old-age insurance before receiving it; I handed it in a few years ago and suddenly died. Can I get my old-age insurance back? If I die after only a year or two, can I return my old-age insurance or something?

In view of these problems, I will briefly tell you.

For those who died before receiving the money, and those who died only one or two years after receiving it, family members have the right to inherit the balance in their personal accounts. Personal death due to illness or non-work-related reasons, funeral grants and pensions are available in some areas.

The payment methods vary from place to place, some are paid according to a fixed amount, and some are related to the local basic pension. In short, the payment standard of funeral expenses is also different, depending on local policies and regulations.

However, we should also note that the above is only a special case. Whether it is urban social security or rural endowment insurance, pension or retirement pension has a service life. Therefore, if you die after the age of 70, the money in your personal account cannot be inherited and will not be returned to the legal heir.

In another case, people also consult more about the rural old-age insurance that died before it was paid. Can I return it after death? Yes, if someone dies during the payment period, because the payer did not receive the pension, he will directly return the total pension he paid to the designated beneficiary. If it is not specified, it shall be inherited by the legal heir according to law.

This situation also applies to those who have paid for 15 years or more, have not reached retirement age, and died during the payment period.

Can the rural pension be taken out?

Can be taken out, generally in these three situations: the payer himself has died; The payer himself has reached retirement age and meets the conditions for collection; The payer immigrates by himself.

Note that if you don't want to pay, you can only receive the amount in the personal account paid by the individual, and you have no right to receive the part paid by the state or unit in the overall account.

Therefore, if you have paid enough 15 years, it is better not to receive the personal part, and it is more cost-effective to receive the pension at retirement age, because the pension standard is calculated from the year when the payment is stopped.

Can rural pensions be collected on their behalf?

Yes, many rural elderly people will give their pensions to their children or people they can trust, but they need to meet the conditions.

For example, you can take a photo with a recent newspaper where you are now, and send it to the endowment insurance agency where your account is located together with the questionnaire to assist in remote authentication. After certification, you can find someone to collect the pension.

To sum up, there are some introductions about rural old-age care. In short, there is no age limit for rural pension, which is also said by many people. The longer you live, the more you get, and after a certain age, there are still pension subsidies in rural areas to receive.

Even if the insured dies during the payment period, the part paid by the individual will be returned to his legal heir or designated beneficiary.

But, finally, I want to emphasize to you that the pension has a useful life, usually ten years, so if you die after 70 years old, you will not refund the money in your personal account.

Of course, if you haven't had time to enjoy it, or if you die after only a year or two, you will also get a refund and there will be funeral expenses.

Therefore, everyone must ensure good health, and the longer the pension is received, the more cost-effective.