Rural hukou is 50 years old, how to buy social security?

There are three options for rural hukou to buy social security.

First, buy the basic old-age insurance for urban workers as a free man. Free people participate in the basic old-age insurance based on the minimum guaranteed wage in this city in the previous year (generally, every prefecture-level city announces the average social wage of employees in this city in the previous year, and this average wage multiplied by 60% is the minimum guaranteed wage in this city, which is the base of free people's insurance payment). At present, the proportion of social security contributions is 20%, and the proportion of medical insurance contributions is 8%. Of course, you have to pay for it yourself.

Affiliated enterprises purchase basic old-age insurance for urban workers. The social security payment base is the virtual salary of the enterprise, and the payment ratio is 23% of the social security (the policy stipulates that the enterprise shall bear 15, and the individual shall bear 8%, because your parents are affiliated, so all of them shall bear it), and the medical insurance payment ratio is 8% (the policy stipulates that the enterprise shall bear 6%, and the individual shall bear 2%, which is actually borne by your parents). Look at that. On the contrary, your parents pay more than the first one and enjoy the same treatment as the first one. The difference is that your parents have contributed to the enterprise (the enterprise does not have to pay social security for others because of your parents' affiliation).

Purchase the new rural cooperative medical system with rural hukou (hereinafter referred to as the new rural insurance). The payment standard of the new rural insurance is set at 100 yuan per year, which is divided into five grades: 200 yuan, 300 yuan, 400 yuan and 500 yuan. This is your second question. The insured can choose freely according to his own economic situation. The government subsidizes the insured, and the subsidy standard is 30 yuan per person per year (including the average provincial financial subsidy in 20 yuan and the county financial subsidy 10 yuan). For each level of payment, the county finance will increase the payment subsidy to 5 yuan. The county government pays all the old-age insurance premiums on behalf of those groups who have completely lost their ability to work and have no source of income, at the rate of 100 yuan per year. For severely disabled people in rural low-income households, the county government will pay 100 yuan of old-age insurance premium per person every year on the basis of "minimum living allowance" and "disabled card"; For other groups with payment difficulties identified as rural poor households (including severely disabled people and rural low-income households) in that year, the county people's government shall pay or subsidize the old-age insurance premium according to the standard of 80 yuan per person per year, and individuals shall pay the rest of the old-age insurance premium according to the prescribed payment grade. Whether rural severely disabled people, rural low-income households and other groups with difficulties in paying fees are eligible to pay or subsidize endowment insurance premiums shall be examined and determined by the county labor and social security bureau in conjunction with the county disabled persons' Federation and the county civil affairs bureau. Set of severe disabilities, subsistence allowances, poor and other multi-identity payment objects, payment subsidies are subsidized according to the highest subsidy standard that the insured can enjoy. Those who have reached the age of 60 and do not enjoy the basic old-age insurance for urban workers, and those with household registration in rural areas, can receive 55 yuan pension on a monthly basis without paying insurance premiums, but all their children must be insured. In 2009, all prefecture-level cities in all provinces in China chose a county to carry out pilot projects. I believe this new rural insurance will be fully rolled out soon.

Let me give you a brief introduction to the calculation method of pension.

Retirement fee = basic pension+personal account pension

The calculation of basic pension is very complicated.

Basic pension = last year's average monthly salary of employees in the province+my average monthly payment salary) ÷2× payment period (including deemed payment period) × 1%

Index average monthly payment wage = last year's average monthly salary of employees in the province × my average payment index.

My average payment index = (the sum of deemed payment index × deemed payment months+actual payment index over the years) ÷ (deemed payment months+actual payment months).

Actual payment index = my monthly payment salary ÷ the average monthly salary of employees in the whole province (on-the-job) in the previous year.

20 17 policy of purchasing endowment insurance for rural families

Insured population: Rural residents who have reached the age of 16 (excluding school students) and have not participated in the basic old-age insurance for urban workers can voluntarily participate in the new rural insurance at their domicile.

Payment standard of new rural social endowment insurance

Because the new rural social endowment insurance payment adopts the principle of independent choice of payment, government subsidy and individual overpayment, the convenient inquiry of payment standard should include factors such as payment grade, government or collective subsidy of each grade, age of participation, etc. The new rural endowment insurance fund is composed of individual payment, collective subsidy and government subsidy.

In terms of individual payment, rural residents who participate in the new rural insurance should 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- 1200 yuan and 12 files, and various localities can add payment grades according to actual conditions. Insured people choose their own grades to pay, and pay more. The state adjusts the payment grade according to the growth of per capita net income of rural residents. In accordance with national standards, specifically in accordance with the provisions of the counties and cities. In terms of collective subsidies, conditional village collectives shall give subsidies to the insured, and the subsidy standards shall be determined by the villagers' committee holding a villagers' meeting. Encourage other economic organizations, social welfare organizations and individuals to provide financial support for the insured.

Procedures for handling new rural social endowment insurance

Materials to be provided: the insured who meets the conditions for receiving treatment shall provide the original and copy of his household registration book, resident ID card and passbook account of cooperative financial institutions 1 copy.

1. Personal statement. The village assistant will report the relevant materials to the township (town) labor security office one month before the insured reaches the age of receiving. The insured person can also go to the township (town) labor and social security office to directly handle the pension procedures.

2. Qualification examination. The township (town) labor and social security office shall, within 3 working days after accepting the application, review the eligibility of the new agricultural insurance benefits such as the age of the insured, the insurance payment of himself and his children, and report the eligible personnel to the county agricultural insurance center.

3. The treatment was approved. The county agricultural insurance center will review the qualified personnel within 2 working days, calculate the pension benefits of the insured, and timely issue pensions to the insured through cooperative financial institutions.

20 17 one-time payment of rural residents' old-age insurance

1. As far as payment is concerned, it can be divided into two types: small partners who participate in endowment insurance can make up the endowment insurance that did not exist in the previous payment year during the payment period; After the small partners who participate in endowment insurance reach retirement age, those who pay less than 15 years can pay the insufficient endowment insurance premium at one time.

(2) No matter what kind of payment method, the payment shall be made on an annual basis, and the payment standard shall be formulated according to the lowest level of the payment standard in the current year in the area where the payment formalities are handled. It should be pointed out that the government cannot subsidize this money.

(3) Small partners who meet the standard requirements to participate in rural endowment insurance can hold relevant materials to the community affairs acceptance service center in the township (street) where you are insured, and then you can go through the relevant payment procedures.

Repayment terms

(1) When participating in the insurance, the male is under 60 years old and the female is under 55 years old. After the payment period expires during the working period before June 30, they can continue to pay to 60 years old or 55 years old. If the actual payment period is less than 15, they can extend the payment to 15, and extend the payment to 65 years for men and 60 years for women. However, if the actual payment period is still less than 15 years after the extension, the payment can be made in one lump sum to 15 years, and the basic pension procedures shall be handled according to regulations.

(2) At the time of enrollment, if the male is over 60 years old and the female is over 55 years old, the payment period can be supplemented before June 30. If the accumulated payment period is less than 15, the payment period can be extended to 15, if the male is over 65 years old and the female is over 60 years old, the actual payment period is still less than 15 after further extension.

Can rural household registration old-age insurance be taken out?

(a) the provisions of the state, who meet one of the following conditions can withdraw from the pension:

1, the payer dies;

2, has reached retirement age, male 60 years old, female 50 years old;

3. Pay my immigration expenses.

(2) Pension withdrawal

Under normal circumstances, rural hukou can be applied for, and urban hukou can only be transferred. However, it should be noted that the expenses paid by the endowment insurance are managed by two accounts, namely, the individual account paid by the individual employee and the overall account paid by the unit for the employee. If you withdraw your pension, you can only receive the part paid by the individual. Most of the money is in the master account. Originally, there was not much money in the personal account, and only a part of it could be taken out of the personal account, even less, usually ranging from several thousand yuan to several hundred yuan, depending on the payment time period and payment grade.

20 17 rural residents' pension insurance retirement policy

Calculation method of new rural social endowment insurance benefits

The new rural social endowment insurance consists of basic pension and personal account pension, which is paid for life. Pension benefits = basic pension+personal account pension.

The basic pension consists of the central government and the basic pension subsidies of the pilot counties (districts). The central basic pension subsidy standard is 55 yuan per person per month; The basic pension subsidy standard determined by the pilot counties (districts) in the city is not less than 5 yuan per person per month.

Personal account pension = personal account fund amount ÷ 139.

Rural residents who participate in the new rural social endowment insurance meet the conditions stipulated by the state and receive the benefits of the new rural social endowment insurance on a monthly basis.

Provisions on retirement age of rural registered permanent residence endowment insurance

According to the regulations, when the new rural insurance policy is implemented, people over 60 years old are called "old people", people between 46 and 59 years old are called "middle people" and people under 45 are called "new people". Different policies are implemented for these three types of people. At the beginning of the new rural insurance pilot, people over 60 years old can enjoy the basic pension as long as their children are insured; Rural residents aged 46 to 59 who pay less than 15 years can pay the fees according to the actual years, or they can pay the premiums in one lump sum, and the local financial subsidies will be in place at the same time. After the pilot is started, the insured persons under 45 years of age will not enjoy the one-time payment policy, but will pay annually, and the accumulated payment will not be less than 15 years.