How is rural social security graded? It is said that one year, people paid 100 yuan, and another year, they paid 500 yuan or 1000 yuan. But how to calculate the pension in the future?

According to the calculation formula of the old-age pension, (total individual contribution+interest+government subsidy)/139+ state subsidy 70 yuan = your monthly contribution.

It can be calculated that the payment 100 yuan, (1500+30)/139+70 = 81yuan. 500 yuan, (7500+50)/139+70 =124 yuan, regardless of interest factors and local subsidies.

Affordable 1: the "return rate" of participating in insurance is high.

At present, the payment standard is divided into five grades, the lowest grade is 100 yuan per year, and the highest grade is in 500 yuan every year (grades can be added everywhere). The basic pension you can get every month in the future is 55 yuan and 660 yuan for one year. According to the annual payment of 100 yuan (equivalent to monthly payment to 8.3 yuan), if the basic pension payment is 15 years, plus personal account, you can get about 900 yuan in one year (about 76 yuan every month), and the "return rate" is more than 9 times, which is more than 3 times according to the highest 500 yuan file.

Affordable 2: Personal account "real"

In the new rural endowment insurance, individual contributions, collective subsidies and government subsidies together constitute the insured's own personal account, and various subsidies and subsidies are directly reflected. Future pension benefits can also be calculated intuitively, which is closer to the current understanding of most farmers on old-age security.

Affordable three: the treatment is "a rising tide lifts all boats"

In the past, the old rural insurance only accumulated in personal accounts and was easily devalued by inflation, while the new rural insurance increased the basic pension. The state will adjust the minimum standard of the new rural insurance basic pension according to economic development and price changes, so as to solve the problem of price fluctuation and share the fruits of social development.

Affordable 4: You can "feed" everywhere.

The Guiding Opinions are clear in many places. For example, in terms of payment grades, localities can add payment grades according to actual conditions; In terms of pension benefits, all localities can raise the basic pension standard according to the actual situation. For rural residents who have paid for a long time, the basic pension can be appropriately increased, and part of the increased and increased funds will be paid by local finance.

Affordable 5: can't afford to pay the fee.

The guidance is clear. Local governments will pay part or all of the minimum standard old-age insurance premiums for groups with payment difficulties such as severely disabled people in rural areas.

Experts believe that the design of the new rural endowment insurance system is scientific and reasonable.

For the newly issued guidance, experts agree that its system design is scientific and reasonable, which provides a good foundation for specific implementation in various places.

First of all, encourage overpayment and overpayment.

Choose to pay 100 yuan or 500 yuan benefit fee? On the surface, the "yield" of 100 yuan is about 9 times, and that of 500 yuan is about 3 times. However, judging from the money actually received, 100 yuan was enlarged by 9 times, and 1500 yuan was enlarged by 3 times, and it was 500 yuan. Moreover, the government continues to pay according to the original standard after receiving some personal accounts every month. If the storage part of the personal account is not used up, the relevant part can also be inherited, and the individual will not suffer. So, if you choose to pay more, you will actually get more. Similarly, the more payment time, the greater the benefit in the future.

Secondly, it reflects the common responsibility.

According to the policy, when the new rural insurance system is implemented, people who have reached the age of 60 can receive basic pensions on a monthly basis without paying fees, but there is a prerequisite that their eligible children should pay for insurance. This embodies the principle of sharing social insurance responsibility and corresponding rights and obligations.

Third, improve the efficiency of financial funds.

When farmers participate in insurance, they can get financial subsidies by paying fees, and they also have financial basic pensions when they enjoy welfare, that is, they have financial subsidies at the "entrance" and "exit". In this way, it can reduce the precipitation caused by financial funds being fully subsidized when paying fees and becoming personal accounts for a long time, and improve the efficiency of financial funds.

Fourth, there is a conversion and convergence mechanism.

The guidance is clear. Insured persons who have reached the age of 60 and have received pension insurance can directly enjoy the basic pension of the new rural insurance; Insured persons under the age of 60 who have not received a pension will be included in the new rural insurance personal account, and continue to pay according to the new rural insurance payment standard, and enjoy corresponding treatment when they meet the prescribed conditions. The new rural endowment insurance will also be linked with other endowment insurance systems such as the basic endowment insurance for urban workers.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.