Can rural households pay their own social security

First of all, there are three options for rural households to buy social security.

One is to buy the basic pension insurance for urban workers as a free man, the free man to participate in the basic pension insurance is the city's minimum guaranteed wage for the previous year as the contribution base (generally each prefecture-level city will be released annually the city's average social wage of the workers of the previous year, the average wage multiplied by 60% is the city's minimum guaranteed wage, that is, the base of the free man's participation in the contribution base), the social security contribution The percentage of social security contribution is currently 20%, and the percentage of health insurance contribution is 8%, of course, all have to pay out of their own pockets.

The second is to rely on the enterprise to buy urban workers' basic pension insurance, social security contribution base is a virtual amount of wages, the contribution ratio is 23% social security (the policy stipulates that the enterprise is responsible for 15, personal 8%, because your parents are dependent on, so all is also borne by your parents), health insurance contribution ratio is 8% (the policy stipulates that the enterprise is responsible for 6%, the individual to bear 2%, the actual this is your parents all bear), you see, you can see, the enterprise is responsible for 6%, the individual to bear 2%, the actual this is your parents all bear). The first is that the parents have to pay a lot more than the first, and the treatment of this enjoyment and the first is basically no difference, to say the difference is that your parents have made a contribution to the enterprise (the enterprise does not have to pay for the social security of other people because of the dependence of your parents).

Three kinds of is to rural hukou buy new rural cooperative medical care (referred to as the new rural insurance), the new rural insurance contribution standard set to 100 yuan per year, 200 yuan, 300 yuan, 400 yuan and 500 yuan five grades, that is, you have to ask the second question. Participants are free to choose according to their financial situation. The government subsidizes the participants with a subsidy standard of 30 yuan per person per year (of which the provincial finance gives an average subsidy of 20 yuan and the county finance subsidy of 10 yuan), and the county finance increases the subsidy by 5 yuan for each higher level of contribution. For groups in rural areas that are totally incapable of working and have no source of income and other difficulties in making contributions, the county government pays all of the annual pension insurance premiums of 100 yuan on their behalf. For severely disabled persons in rural low-income households, the county government pays all the annual pension insurance premiums of RMB 100 per person for them with the Low-income Guarantee and Disabled Person's Certificate; for other groups of people with difficulties in paying premiums who are recognized as rural households with special difficulties in the current year (including rural households with severely disabled persons and low-income households), the county people's government pays or subsidizes RMB 80 per person per year for them, and then individuals pay the remaining portion of the pension insurance premiums in accordance with the stipulated premium grades. The county people's government shall pay or subsidize 80 yuan per person per year, and individuals shall then pay the remainder of the old-age insurance premiums according to the prescribed contribution level. The eligibility of the rural severely disabled, rural low-income households and other groups with difficulties in paying contributions to pay or subsidize the old-age insurance premiums shall be examined and determined by the county labor and social security bureau in conjunction with the county disability federation and the county civil affairs bureau. Contributing objects with multiple statuses, such as severely disabled, low-income, and special-needs, are subsidized according to the highest subsidy standard that the insured object can enjoy. If you have reached the age of 60, and do not enjoy the basic pension insurance for urban workers in rural areas with household registration of the elderly, do not have to pay the fees to participate in the insurance, you can receive a monthly pension of 55 yuan, but all of their children must participate in the insurance. This new rural insurance in 2009 the national provinces of prefecture-level cities have chosen a county to carry out a pilot, I believe that the new rural insurance will soon be fully spread.

Now you understand that your parents can have three ways to buy, specifically that one is suitable for your parents, I'll help you analyze.

If you buy the first and second, you have to accumulate at least 15 years to buy, to the retirement age when you can enjoy the pension and free medical care. The owner pay attention to the word ah, to accumulate 15 years, to the retirement age, enjoy pension and free medical care! That is to say, your parents are 47 years old, your father to buy another 13 years, your mother to buy another 8 years has reached retirement age (I am assuming that your local regulations for women to retire at 55 years of age, and now there are places is 50 years of age), but because of the contributions have not accumulated up to 15 years, so can not be enjoyed, can only be returned to the amount of money or apply for a continuation of the contributions to the 15-year period before enjoying the enjoyment of the enjoyment of the parents should be 62 years old, which means that your father less enjoyable to enjoy the pension and free medical care. The fact that your father is 2 years younger and your mother is 7 years younger is not enough for you to be able to enjoy the benefits of the program.

Of course, if your parents live to be over 100 years old, they won't care about these years.

If you buy the third type, there is the second question you asked. There's a big difference between buying a first and a fifth. If there's no difference, then buying a fifth gear is just dumb.

How is the rate for receiving expenses calculated? Heh. This question involves a lot of issues, even expert people also no one can answer you accurately, I say this is not just to deal with you, why do I say so? First, you give the known conditions are not sufficient, such as your parents each year's contribution base or your location issued each year the average salary of social on-the-job workers, this involves the actual contribution index and the average contribution index. Second, your parents to when to retire when to enjoy? This later is still an unknown, now the social security policy continues to improve, this calculation method is still improving it.

Below I will briefly introduce you to the calculation method of the pension.

Retirement fee = basic pension + personal account pension

First of all, your parents' personal account pension, this is the amount of your parents' personal account deposits when they retired, divided by the number of months of payment (there is a table corresponding to this, 60 years of age, retirement is 139 months), assuming that your parents retired with 60,000 yuan in their personal account, then your parents' personal account pension will be 430 yuan per month. around.

The calculation of the basic pension is complicated, so I'll keep it simple.

Basic pension = average monthly salary of on-the-job workers in the previous year in the province + my average indexed monthly contribution salary) ÷ 2 × years of contribution (including deemed years of contribution) × 1%

Indexed average monthly contribution salary = average monthly salary of on-the-job workers in the previous year in the province × my average contribution index

Index of my average contribution index = (index of deemed contribution × number of months of deemed contributions) + the sum of the actual contribution indexes of the past years) ÷ (the number of months of deemed contribution + the number of months of actual contribution).

The actual contribution index = my monthly contribution salary ÷ the average monthly salary of the province's (on-the-job) employees in the previous year.