How much is the most cost-effective rural social security for a year?

How much money is the most cost-effective for rural social security in a year needs to be decided according to the individual's economic situation and the expected pension needs after retirement.

There are many levels of payment standards for rural social security, and individuals can choose according to their own economic ability and expected demand for retirement pensions. Payment grades include 100 yuan to 2,000 yuan per year, with different amounts of *** 12. For example, it is paid to 300 yuan every year. According to the current policy, the monthly pension after retirement includes basic pension and pension accumulated in personal account. The basic pension is subsidized by the state, and the personal account pension is calculated according to the total personal contribution plus interest, and then divided by 139 months. Therefore, to choose the appropriate payment grade, we should not only consider our own ability to pay, but also estimate the living needs after retirement to ensure that we can get a satisfactory pension after retirement.

Social security payment standard:

1, basic old-age insurance: paid according to the proportion and base specified by the local social security bureau, usually linked to personal salary;

2. Basic medical insurance: it is also paid according to the prescribed proportion and base, and there will be personal accounts in some areas;

3. Unemployment insurance: the proportion of payment is small, which is shared by individuals and units;

4. Work-related injury insurance: it is completely paid by the unit, and individuals do not need to pay it;

5, maternity insurance: usually paid by the unit, individuals do not participate in the payment. The overall payment amount is affected by the economic development level and policy provisions of the area where the individual is located.

To sum up, the payment amount of rural social security should be determined according to the personal economic situation and the pension needs after retirement. Choosing the appropriate payment grade should not only consider the ability to pay, but also estimate the living needs after retirement to ensure that you can get a satisfactory pension.

Legal basis:

Guiding Opinions of the State Council on the Pilot Project of New Rural Social Endowment Insurance

Article 4

The new agricultural insurance fund consists of individual contributions, collective subsidies and government subsidies.

(1) individual payment. Rural residents who participate in the new rural old-age insurance shall pay the old-age insurance premium according to the regulations. At present, the payment standard is set at 100 yuan per year, which is divided into five grades: 200 yuan, 300 yuan, 400 yuan and 500 yuan. All localities can increase the payment grade according to the actual situation. 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.

(2) Collective subsidies. Conditional village collectives shall give subsidies to the insured, and the subsidy standard 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.

(3) government subsidies. The government pays the insured who meets the basic pension conditions of the new rural insurance in full, in which the central government gives full subsidies to the central and western regions and 50% subsidies to the eastern regions according to the basic pension standards determined by the central government.

The local government subsidizes the payment of the insured, and the subsidy standard is not lower than the 30 yuan per person per year; Appropriate encouragement may be given to those who choose higher-grade standard payment, and the specific standards and measures shall be determined by the people's governments of all provinces (autonomous regions and municipalities). Local governments 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.