Rural old-age insurance one-time supplemental contributions to the new provisions

The new rules for rural pension insurance lump sum contributions are as follows:

1. Requirements for making contributions: farmers who are 45 years old and 40 years old will be able to make contributions for a maximum of 10 years, while farmers who are 60 years old and 55 years old will be able to make contributions for 15 years. In addition, the personal name to pay the need to go to the account of the local social security bureau to apply for the formalities include: my identity card, recent crown-free one-inch photo preparation two, premiums, application form and so on. And can only make up for the pension insurance, can not make up for the medical insurance.

2. Algorithm: The cost of retroactive payment is generally 60% of the average salary of the previous year's employees, and 20% of the retroactive payment of pension insurance premiums. According to the different requirements of each place, the amount of money that can be received is not the same. But in general, it is 800-1300 yuan. So assuming that according to the calculation of 1300 yuan, after reaching the age of 60, a **** need to pay 94,428 yuan, then every month to receive 1300 yuan, so that at least 6 years to be able to pay off the capital; 800 yuan per month to receive the case, it will take 9.8 years to be able to pay off the capital. If you add in the interest, it will take at least 12 years to claim the retroactive contributions. Starting to receive the pension at the age of 60? s case, it will take until the age of 72 to be able to Ben. Of course there is a possibility that the pension will be increased in the future, and the pension in hand will also increase.

3. Pensions: Individuals participating in basic pension insurance, reaching the legal retirement age when the cumulative contributions of fifteen years, receive a monthly basic pension. Individuals who have participated in basic old-age insurance and have contributed for less than fifteen years by the time they reach the legal retirement age may contribute until they reach the full fifteenth year, and receive a basic pension on a monthly basis; they may also be transferred to the new type of rural social old-age insurance or the urban residents' social old-age insurance, and enjoy the corresponding old-age insurance benefits in accordance with the provisions of the State Council.

How to pay for rural pension insurance, 1. Individual contributions. Rural residents participating in the new rural insurance should pay the required pension insurance premiums. The contribution standard is set at 100 yuan, 200 yuan, 300 yuan, 400 yuan, 500 yuan per year, and the localities can set up additional contribution levels according to the actual situation. Participants independently choose the level of contribution, and the more they pay, the more they get. The state based on the growth of per capita net income of rural residents to adjust the contribution level in due course. 2. collective subsidies. The conditions of the village collective should be subsidized for participants to pay, subsidy standards by the villagers' committee held a villagers' meeting to determine the democratic. Encourage other economic organizations, social welfare organizations, individuals to provide financial support for the contributions of participants. 3. government subsidies. The government pays the full amount of the basic pension of the new rural insurance to the participants who meet the conditions for receiving the new rural insurance, of which the central financial institutions in the central and western regions according to the standard of the basic pension determined by the central government to give full subsidies, and the eastern region to give 50% of the subsidies.

In summary, the supplementary contribution to the rural old-age insurance is implemented on a yearly basis, and the supplementary contribution is not entitled to government subsidies. That is to say, the rural old-age insurance can be enrolled in the insurance period to make up for the previous years did not pay contributions, if you reach the age of pension insurance, did not pay 15 years of contributions, you can make up for 15 years of rural old-age insurance premiums in a lump sum.

Legal basis:

Social Insurance Law

Article 16

Individuals who have participated in basic old-age insurance, and who have made contributions for a total of fifteen years by the time they reach the legal retirement age, will receive a basic pension on a monthly basis. Individuals who have participated in basic old-age insurance and have contributed for less than fifteen years by the time they reach the statutory retirement age may contribute until they reach the full fifteen years and receive a basic pension on a monthly basis; they may also be transferred to the new type of rural social old-age insurance or the urban residents' social old-age insurance, and shall enjoy the corresponding old-age insurance benefits in accordance with the provisions of the State Council.