Can rural endowment insurance be paid in one lump sum? What is the standard?

Facing the serious aging of the whole country, providing for the aged has become a top priority for people. When you are no longer young and lose the vitality and motivation of your youth, how can you protect your old age? Nowadays, young people are under great pressure to pay back the house payment and car payment. Coupled with daily consumption, is it necessary to increase the burden on children? Whether or not to pay the pension has become a topic that people must talk about after dinner.

As the guarantee of people's pension, it is particularly important to pay pension. According to reports, China's rural pensions can be paid in one lump sum, but how to pay them is it worthwhile?

First, the pension insurance payment standards and conditions

How will you spend your old age when you are no longer in your prime and wrinkled? Maybe I can give you the answer.

Old-age insurance can provide a certain pension for those who have to resign because of old age to ensure their basic living expenses. Its purpose is to provide a stable and reliable source of life for the elderly, to guarantee their basic needs, and to enable people to spend their old age comfortably without worrying about the embarrassment of life.

With the development of society, the state has also made some changes in the issuance of pensions. Residents can choose whether to pay in one lump sum, but they also need some conditions. It depends on what kind of insurance you pay. Endowment insurance is divided into urban and rural residents' endowment insurance and employee endowment insurance.

Endowment insurance for urban and rural residents can be paid in one lump sum. The payment standard is divided into six grades. Ordinary urban and rural residents can choose any one of the six grades of 200 yuan, 300 yuan, 500 yuan, 1000 yuan, 2,000 yuan and 3,000 yuan for annual payment. According to the selected payment grades, the government gives financial subsidies to 40 yuan, 50 yuan, 70 yuan, 120 yuan, 200 yuan and 320 yuan respectively.

For those groups with payment difficulties, such as unstable poverty alleviation, marginal poverty population, population with sudden serious difficulties, minimum living allowance and severely disabled people (Grade I, II, III and IV), which are included in the monitoring scope of relevant departments, the government will give full or partial payment subsidies according to the payment standard of 1.000 yuan per person per year. However, the policies of the provinces are slightly different.

Those who want to receive the basic pension on a monthly basis must reach the statutory retirement age and have paid the accumulated contributions for fifteen years. However, some people pay their pensions late, and the accumulated contributions after retirement are insufficient 15 years. They must pay for at least 15 years to receive pension wages.

However, some employees can pay endowment insurance in one lump sum. 1, urban household registration contract workers, 2, workers who are dismissed without public office or cannot be transferred from public institutions after being released from prison, and 3, urban industrial and commercial employees who have no formal jobs.

4. Social security payment is interrupted due to resignation or job transfer. 5. Older people who have stopped paying fees but have reached the age of 60 after participating in the insurance. Whether the insured person can make up the payment needs to consult with the local social security bureau.

Second, how to pay the endowment insurance?

Faced with a lot of data, you must be very confused, right? Should I return it? How to return it? First of all, the insured person needs to bring his ID card, the original and photocopy of the household registration book, and secondly, he needs to fill out the Application Form for Payment of Endowment Insurance for Urban Residents. To repay the pension, the applicant needs to submit the application materials to the local social security bureau, and the staff of the social security bureau will review the materials to see if they meet the requirements. If they meet the requirements, they can apply successfully.

One thing to note is that you should pay the old-age insurance as early as possible when you are young and motivated, because the longer you pay, the more pensions you will have. The legal retirement age is 55 for women and 60 for men. The minimum endowment insurance can be paid 15 years. It's too late to make up for 15 years, and it can't be handed in any more. In addition, the state does not subsidize the amount paid. Therefore, if you have the ability, it is best to start paying endowment insurance around the age of 30.

Now the pension policy is getting better and better and more humanized. You can choose a file that suits you to make up for it. With old-age insurance, even if children's alimony is left, it will not be too difficult for parents to have a certain source of income, so it is very necessary to pay back old-age insurance. The policy of repaying loans is not available every year. If you need to deal with it, you must seize the opportunity.

Third, is it not worth paying the pension?

From the above, I think you should have a general understanding of endowment insurance, but people are most worried about whether endowment insurance is worth paying back. After all, I have accumulated hard-earned money for half my life. Paying so much will inevitably lead to some concerns. So let me lead you to do a concrete calculation.

The first is the endowment insurance for urban and rural residents, which has six grades. There is no doubt that the more you pay, the more you get paid, so we won't calculate them one by one.

Suppose a farmer pays for a job in 500 yuan, so he needs to pay a pension of 6000 yuan a year, and 90000 yuan in 15 years. At present, the basic pension standard is 2 10 yuan, which can be obtained in one month: (500+70) ×15 ÷139+210 = 948 yuan. In fact, every month is much more than that, because there is still interest not included. Then if you get 948 yuan a month, you can get 1 1376 yuan a year. It won't take a few years to get back to its original state.

Needless to say, the treatment of employee pension insurance will be much better than that of ordinary residents, and the pension received after retirement will be higher, and of course it will return to its original cost soon. Nowadays, most young people want to find a job that can pay five insurances and one gold, so that the pressure of paying their own old-age insurance will be less. But don't worry too much if you can't find such a job. Now the national policy is getting better and better, and the endowment insurance for urban and rural residents is also a good choice.

In the face of aging, the elderly population in China has increased, and providing for the aged has also become a major problem. The state is also constantly raising the pension standard to ensure people's old age. Everyone will get old, how to live a decent life, and have a sense of security and security.

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What is happiness? Well-being in old age does not worry about money, which is happiness. For ordinary people, endowment insurance is like a fire extinguisher in a fire cabinet and a hand warmer in the ice and snow. It's not a necessity, but it will be better.

Of course, everyone has everyone's choice, and we can't measure others with our own abilities. After all, everyone's living environment is different, just as pensions are distributed in different grades. I just hope everyone can find the one that suits them best, and everyone can have a sense of security. Have you thought about it? Will you choose to pay endowment insurance in front of the screen? Which grade would you choose?