Is it cost-effective to handle the old-age insurance for rural residents or employees?

If we really want to talk about it, it is worthwhile to apply for basic old-age insurance for urban and rural residents, but the effect of our old-age insurance is usually to deal with the problem of old-age care. The so-called "a sense of security for the elderly" means that after the legal retirement age, the old-age insurance money can support our own daily life, and we don't need children to subsidize the financial expenses of our old-age services. Simply from this analysis, it is more worthwhile to pay endowment insurance. Today, I will make a basic exchange with you on the advantages and disadvantages respectively.

First, distinguish from the characteristics. From the analysis of the characteristics of social endowment insurance, rural social security is actually the basic endowment insurance for urban and rural residents and urban endowment insurance, both of which are managed by social security agencies and are important links in China's multi-level social security system. The key social security objects of urban and rural endowment insurance are on-the-job workers and freelancers, among which freelancers include the insured in agricultural registered permanent residence; The basic old-age insurance for urban and rural residents is what you call rural social security. The main target of social security payment is urban residents who have not participated in urban endowment insurance. Because they all belong to the old-age insurance, the same insured person can only apply for one of the social old-age insurance, and can't apply and enjoy the treatment repeatedly.

Second, analyze their characteristics. Rural social security is actually the basic old-age insurance for urban and rural residents. Its core feature is that the payment standard is very low, with a minimum payment of 100 yuan and a maximum payment of 3,000 yuan or about 5,000 yuan. In addition to individual contributions, there are subsidies in China. For example, the annual fee 100 yuan, and the state subsidizes 30 yuan. In fact, many places have already cancelled the annual fee of 100 yuan. Generally, the annual payment standard is around 500 yuan. In fact, the personal account is very low. The key is to obtain the pension qualification subsidized by the state. To achieve this real goal of providing for the aged. You have to pay at least 3000 yuan to 5000 yuan a year to have hope. Specifically, rural social security has the characteristics of low payment standard and low endowment insurance, and it has the characteristics of saving endowment. Urban endowment insurance can also be selected between 60% and 300% because the average monthly income of employees in the previous year is selected as the deposit base. Generally, the annual payment standard needs to exceed 7,000 yuan, but the pension insurance premium will be much higher in the future, which is characterized by high payment standard, higher pension insurance premium and relatively high social security level.

3. How do rural registered workers choose to pay endowment insurance? According to the introduction explained earlier, it seems that rural registered workers can choose to pay rural social security or urban endowment insurance. These factors should be considered comprehensively when choosing which social endowment insurance to pay. One is the age factor, and the other is the influencing factor of economic development. From the age point of view, agricultural registered permanent residence people over 50 years old put forward to pay the basic old-age insurance for urban and rural residents, which is actually rural social security. Because people over the age of 50 can't pay the old-age insurance at one time, they can only pay it gradually. The amount paid step by step will be 65 years old when you reach 15, and it must be delayed until you are 65 years old. However, if you pay endowment insurance, you can pay the remaining payment period in one lump sum at the age of 59, and you can get a pension at the age of 60. It must be paid according to the high-grade published locally, and the old-age insurance is still not low. From the economic point of view, due to the high payment base of endowment insurance, the annual payment must be around 7000 yuan to 10000 yuan, and at least 60% should be paid. In addition, the average monthly income of employees is adjusted every year, and the payment base and payment standard are raised every year. Therefore, it is still very difficult to pay 15 years without certain economic ability.

Generally speaking, people who work in agricultural registered permanent residence are able to pay rural social security or old-age insurance. I think it's more worthwhile to pay endowment insurance if they are under the age of 45 and are relatively well-off economically. It is more appropriate to pay according to the highest standard of basic old-age insurance for urban and rural residents if they are over 45 years old and have general economic conditions.