Urban and rural residents pension insurance to make up for the new policy

Legal analysis:

I. Contribution brackets. Urban and rural residents' pension insurance *** there are 15 contribution levels for you to choose from, advocating 500 yuan as a starting point to choose a higher level of payment.

Second, more contributions and more subsidies: pay 500 yuan subsidy of 70 yuan, pay 1,000 yuan subsidy of 120 yuan, pay 2,000 yuan subsidy of 200 yuan, pay 3,000 yuan subsidy of 220 yuan, pay 4,000 yuan subsidy of 240 yuan, pay 5,000 yuan subsidy of 260 yuan, pay 6,000 yuan subsidy of 280 yuan. All personal contributions and financial subsidies are credited to your personal account.

Three, pay more and get more: the more you accumulate in your personal account, the higher your pension level. Calculated on the basis of the contribution period of 15 years, each year to pay 500 yuan tranche, to the age of 60 years old, the monthly pension of 180 yuan, pay 6000 yuan tranche, the monthly pension of 800 yuan. To the age of 80 years old to receive the total pension, pay 500 yuan tranche of *** to receive 43,000 yuan, the net gain of about 35,000 yuan; pay 6,000 yuan tranche of *** to receive 192,000 yuan, the net gain of about 100,000 yuan.

Four, long contributions: accumulated contributions over 15 years, every year over, an additional 2 yuan per month pension. For example, if you start contributing at the age of 20 and pay uninterruptedly until the age of 60, you can receive 50 yuan more per month for the basic pension portion, reaching 165 yuan.

Fifth, more contributions to make up for the contributions: Encourage those who are about to reach the age of 60 this year and in recent years to seize the last opportunity to make more contributions and to make up for the contributions to increase the level of monthly pensions. Encourage children to show more filial piety by making more and supplementary contributions for their parents.

Sixth, the payment method. In order to cope with the new crown epidemic and reduce the gathering of people, please try not to go to the bank window to pay your contributions. As far as possible at home through WeChat, Alipay or mobile banking transfer to their own or friends and relatives of the payment of the passbook or social security card, and phone to inform the village director of the amount of money deposited, the card number and contact number.

Legal basis: "The Chinese People's **** and the State Social Insurance Law" Article 12 of the employer shall pay the basic pension insurance premiums in accordance with the proportion of the total wages of the employees of the unit as stipulated by the State and credited to the basic pension insurance integrated fund. Employees shall pay basic pension insurance premiums in proportion to their own wages as prescribed by the State, which shall be credited to their individual accounts. Individual industrial and commercial households without employees, part-time workers who do not participate in basic pension insurance with their employers, and other flexibly employed persons who participate in basic pension insurance shall pay basic pension insurance premiums in accordance with the state regulations, which shall be credited to the basic pension insurance general fund and individual accounts respectively.

Article 16 Individuals participating in basic old-age insurance shall receive a monthly basic pension if they have contributed for a total of fifteen years by the time they reach the legal retirement age. Individuals participating in basic pension insurance, to reach the legal retirement age when the accumulated contributions of less than fifteen years, you can contribute to the full fifteen years, receive a monthly basic pension; can also be transferred to a new type of rural social pension insurance or social pension insurance for urban residents, in accordance with the provisions of the State Council to enjoy the corresponding pension insurance treatment. Article 20 The State establishes and improves the new rural social pension insurance system. New rural social pension insurance implementation of individual contributions, collective subsidies and government subsidies.

Article 21 of the new rural social pension insurance treatment consists of a basic pension and individual account pension. Rural residents participating in the new rural social pension insurance, meet the conditions set by the state, receive the new rural social pension insurance benefits on a monthly basis.

Article 22: The State shall establish and improve the social pension insurance system for urban residents. The people's governments of provinces, autonomous regions and municipalities directly under the central government may, in the light of the actual situation, combine the implementation of social pension insurance for urban residents and new rural social pension insurance.