Farmers want to receive a monthly pension of more than 1000 yuan after they are 60 years old. How do they pay social security now?

Now farmers can participate in China's new rural social endowment insurance, and the state subsidizes 55 yuan every month. Because the base of farmers is relatively large, the state subsidizes 55 yuan a month, which is not a small expenditure.

At the same time of state subsidies, farmers can put their own old-age insurance into personal accounts, and they can receive old-age insurance from personal accounts after reaching the age of 60. The collection standard of personal account pension is that the monthly payment standard is the total amount of personal account divided by 139.

the aged

The more individuals pay for this part, the more they will get by the age of 60. The more years of payment, the more personal accounts are accumulated and the more money is collected. It also includes a part of state subsidies, which can be counted in the payment standard.

First, how can farmers receive a pension of several thousand yuan after they are 60 years old? Farmers want to receive a pension of several thousand yuan every month after the age of 60, and they need to pay a sum that meets the standard. As mentioned earlier, the monthly payment standard of personal pension is the total amount of personal account divided by 139.

endowment insurance

Then, if you want to receive a monthly pension of more than 1 ,000 yuan after 60 years old, you need to have a personal deposit of 1 39,000 yuan before 60 years old. This also includes state-subsidized 55 yuan.

There are two ways for personal error to reach139,000 yuan. 1 mode means that the payment period of endowment insurance is relatively long, and the total amount of personal account storage can reach139,000 yuan. The second way is to meet the minimum payment period, increase individual contributions every month, and personal accounts can also reach139,000 yuan.

endowment insurance

Second, 1 method, the pension insurance payment period is relatively long. According to the method of 1, the payment period can be extended, which can be illustrated by examples.

For example, the monthly fee we pay is 155 yuan, of which the state subsidizes 55 yuan and pays 100 yuan by ourselves. Then one year is 12 months, and twelve months is 1860 yuan. Divide 139000 yuan by 1860 yuan, and you can get a number over 74 years. Then this scheme cannot be used, so the monthly payment must be above 100 yuan.

the aged

For example, we pay 300 yuan monthly, of which the state subsidizes 55 yuan and pays 245 yuan by ourselves. Then one year 12 months later, our personal account is 3600 yuan. Divide139,000 yuan by 3,600 yuan, and you can get a number close to 38 years. If you start paying at the age of 20, you will be 60 years old after 38 or 40 years of payment. At this time, you can get several thousand yuan of old-age insurance every month.

Third, the second way, which is easier to calculate, meets the minimum payment period and gets a thousand yuan pension at the same time. We know that the minimum payment period of endowment insurance is 15 years, so we will calculate it according to the accumulated payment 15 years.

the aged

We can directly divide 139000 yuan by 15 years, and we can get a figure close to 9267 yuan. This figure is 15 years, which we need to pay every year.

Then we divide this figure of 9267 yuan by 12 to get a figure close to 773 yuan. Then 55 yuan, where the state subsidy is deducted from 773 yuan, is the figure we need to pay every month, 7 18 yuan.

the aged

In this way, we will stop paying the old-age insurance after the minimum payment period of 15, and we can still receive a monthly pension of 1000 yuan when we retire at the age of 60. It is also in line with the goal that farmers can receive thousands of dollars by the age of 60 when they pay pensions.

Fourthly, it is concluded that this calculation is only based on the standard of 202 1, because the national endowment insurance system will be adjusted, even after decades, there will be great changes, so this calculation is for reference only and cannot be used as a completely compliant standard.

the aged

Because the policy is changing, maybe by the time we are 60 years old, our country's pension system has become perfect, and we can get enough pension insurance without paying so much pension.

As long as each of us works hard, contributes to the society and creates wealth for the country, then the country will certainly give us enough returns and guarantees when we are old. Let everyone have a happy old age, which is also the goal of the country.