Urban and rural residents pension insurance and the new rural cooperative pay 2,000 per year, which cost-effective

Herald news yesterday, the newspaper published "this year, 60 years of age of the insured urban and rural residents of old-age insurance can be a one-time retroactive payment" report, there are a lot of people through the news hotline 88899199 consulting urban and rural residents of old-age insurance how to participate in the insurance, how much is the standard of payment, payment of which grade is more cost-effective? With these questions, the reporter asked the Lanxi City Social Security Center staff.

It is understood that, from January 2020, the urban and rural residents' pension insurance contribution bracket is adjusted to 300 yuan, 1,000 yuan, 2,000 yuan, 5,000 yuan and 7,500 yuan per year. At the same time, Lanxi has established a contribution subsidy adjustment mechanism, for normal contribution participants, the government will also subsidize different grades with different amounts (no subsidy for retroactive payment). Among them, if you choose 300 yuan, the financial subsidy is 30 yuan; if you choose 1,000 yuan, the financial subsidy is 80 yuan; if you choose 2,000 yuan, the financial subsidy is 120 yuan; if you choose 5,000 yuan or 7,500 yuan, the financial subsidy is 240 yuan.

Which people can participate in the insurance? According to Lanxi City Social Security Center Treatment Settlement Section Chief Fu Wou-pei, with Lanxi City household registration, aged 16 years (excluding school students), non-state organs, institutions, social organizations staff and urban and rural residents who are not part of the coverage of the basic pension insurance system for employees are all included in the participation of urban and rural residents in the basic pension insurance.

"The pension insurance benefits for urban and rural residents consist of three parts: the basic pension, the individual account pension and the pension for years of contribution. Among them, the basic pension is paid directly by the government and is relatively fixed, the individual account pension and the contribution years pension are based on the principle of more pay more, longer pay more, this is determined according to the standard of the participants' payment and the number of years." Fu invincible said, the individual account pension monthly payment standard to the individual account of all the stored amount divided by 139 derived; contributory years of pension monthly payment standard cumulative contributions for 15 years, the monthly contributory years of pension for 30 yuan, from the 16th year onwards, the number of years of contributions increased by one year each, an increase of 5 yuan. In other words, the earlier the time of enrollment, the more the benefit will be.

Take a look at two analyzed cases. Example 1: Mr. Wang, born in 1962 (aged 60 years old), began to participate in the urban and rural residents' pension insurance in 2010, the annual contribution of 100 yuan, the government subsidy of 30 yuan/year, 2020 began to contribute 300 yuan per year, the government subsidy of 30 yuan/year, contributions to 2022 *** contributions for 13 years, still need to make up for the contribution of 2 years, according to the minimum annual contribution of 300 yuan, his residence insurance How much is the pension? The calculation is as follows: basic pension 290 RMB; individual account pension (100+30)*10+(300+30)*3+300*2/139=20.8 RMB; contribution period pension 30 RMB. Mr. Wang gets a total of RMB 340.8 per month from the Home Insurance Pension.

Example 2: Mr. Jin, born in 1977 (45 years old), a new urban and rural residents' pension insurance this year, choosing to pay annual contributions at 7,500 yuan, the government subsidy of 240 yuan / year, how much he to the age of 60 years old Habitat Insurance Pension? The basic pension is 290 RMB; the individual account pension = (7500+240)*15/139=835.3 RMB; and the contribution period pension is 30 RMB. In total, Mr. Jin will receive a monthly Home Insurance Pension of RMB 1,155.3. The above two cases are not measured interest, calculated according to the current basic pension.