How to calculate the period from rural insurance to social security?

For various reasons, some people originally paid rural insurance, and later transferred to employee pension insurance; Or conversely, some people originally paid employee pension insurance and later transferred to rural insurance. Then, how to calculate the future pension when these two kinds of endowment insurance are converted to each other? How much impact will it have?

China's basic endowment insurance includes urban workers' endowment insurance and urban and rural residents' endowment insurance. Rural insurance refers to the endowment insurance for urban and rural residents. As we all know, the payment standard of urban and rural residents' old-age insurance is low, and there are few pensions. The payment standard of endowment insurance for urban workers is high, and there will be more pensions.

First, after paying the old-age insurance for urban and rural residents for several years, it will be converted into the old-age insurance for workers in Jiaocheng Town. How to calculate the pension after retirement?

My second aunt worked as a farmer in the countryside a few years ago, and with the encouragement of village cadres, she paid the endowment insurance for urban and rural residents. Later, she followed my second uncle to work in the city and started a small business by herself. After hard work, her business gradually improved and her pockets began to swell. My second aunt wants to save more money for the elderly in the future, and wants to turn the current rural insurance into urban employee pension insurance.

She asked me: she paid rural insurance for three years. If it is converted to urban employee pension insurance, will it be possible for urban employee pension insurance to receive pension after 12 years? Is it possible to make up the difference in rural insurance for three years and turn it into endowment insurance for urban workers?

If you have participated in the endowment insurance for urban and rural residents, and then want to change it to the endowment insurance for urban employees, the only way is to stop paying the endowment insurance for urban and rural residents, and then re-establish the account of the endowment insurance for urban employees, and pay the fees from scratch, that is to say, you are in a new state of participation.

1. Individual pension account can be transferred.

Endowment insurance for urban workers and urban and rural residents is composed of basic pension and personal account pension. Pension = basic pension+personal account pension

The calculation method of personal account pension of these two insurances is the same, but the calculation method of basic pension is different.

Personal account pension = personal account pension deposit/number of months.

From urban and rural residents' old-age insurance to urban employees' old-age insurance, it is necessary to transfer all the savings of urban and rural residents' old-age insurance personal accounts, including government and collective subsidies, to urban employees' old-age insurance personal accounts, and then calculate the pension of urban employees' old-age insurance personal accounts by merging and accumulating.

2. The payment period needs to be recalculated.

From the endowment insurance for urban and rural residents to the endowment insurance for urban employees, the payment period cannot be accumulated. Like my aunt, she has paid the endowment insurance for urban and rural residents for three years before, and the three-year payment period is invalid. She changed to pay endowment insurance for urban workers, and the payment period should be recalculated from the first year. When urban and rural residents' endowment insurance is transferred to urban workers' endowment insurance, the individual account amount can only be calculated together, but the payment period cannot be calculated together.

According to the Interim Measures for the Connection of Urban and Rural Residents' Endowment Insurance System issued by Ministry of Human Resources and Social Security on 20 14. If the old-age insurance for urban and rural residents is changed into the basic old-age insurance for urban workers. Then, only when the retirement of urban workers' pension insurance is handled can the personal account amount records of urban and rural residents' pension insurance be merged.

My second aunt is 48 years old and has paid the endowment insurance for urban and rural residents for three years. If she keeps paying, she will meet the minimum payment period 15 at the age of 60, and can receive a monthly pension. However, if you switch to the old-age insurance for urban workers, you still can't get the pension at the age of 60, and you have to extend the payment for three years until you reach the minimum payment period 15 at the age of 63. Moreover, the pressure of monthly payment is also relatively high. Because of her small business, her income is not very stable. Although I have made some money in recent years, I dare not say what will happen in the future. Therefore, I advise my second aunt to think carefully.

If you are over 45 years old, it is obviously too late to participate in the endowment insurance for urban workers, and the result is delayed retirement. For the insured, even if the retirement is delayed for one year, the pension will be received one year later, and at least the pension will be less than tens of thousands of yuan. Middle-aged people over the age of 45 are old and young, which is the time of greatest economic pressure, but the payment level of endowment insurance for urban employees is not low. So you still have to think twice.

Two, urban workers' pension insurance into urban and rural residents' pension insurance, how to calculate retirement pension?

My cousin went abroad to work in his early years and never paid social security. I didn't think about the pension after retirement until I returned to China at the age of 50. Because of the accumulation of working abroad for many years, I have a certain economic foundation, and in order to get more pensions, my cousin decided to pay the old-age insurance for urban workers. Due to the late payment of endowment insurance for urban workers, the legal retirement age is 60, and the payment period of endowment insurance has not yet reached 15, which is 5 years different from 15. These five years need to be deferred and cannot be paid in one lump sum. Even if the payment is made according to the minimum base, the expenditure last year was almost 20 thousand yuan.

But my cousin lost a lot of money doing business with some friends the year before last. He is very poor financially, and he really has no financial strength to pay more. However, in order to get a pension after retirement, my cousin wants to convert employee pension insurance into resident pension insurance, and pay several thousand yuan a year, which can reduce the pressure of payment.

Generally speaking, the insured of urban workers' pension insurance has not reached the minimum payment period 15 years after the statutory retirement age, so it is generally impossible to pay in one lump sum, and of course, it is impossible to go through retirement procedures to receive a pension.

According to the regulations, when the insured reaches the legal retirement age, if the employee pension insurance has not been paid for 15 years, and he is unwilling to continue to extend the payment, he can choose to convert the urban employee pension insurance into urban and rural residents' pension insurance. Due to the high payment standard of urban workers' pension, the principal and interest amount and payment period of their individual pension accounts can be merged with residents' pension insurance. Just like my cousin, the endowment insurance for urban workers has been paid for 10 years. If it is converted into endowment insurance for urban and rural residents, it only takes another five years to go through retirement procedures, and you can pay it in one lump sum within these five years.

The urban employee pension insurance pooling account will not be transferred, but it will not affect its due pension level at all. After the old-age insurance for urban workers is transferred to the old-age insurance for urban and rural residents, if the service life is less than 15, you can pay to 15 in one lump sum, and then retire directly and enjoy the old-age insurance for urban and rural residents.

3. After the transfer and merger, how can I receive the pension when I retire?

When the old-age insurance for urban and rural residents is changed to the old-age insurance for urban employees, the payment period of the old-age insurance for urban employees must be recalculated. After paying 15 years, they will retire according to the old-age insurance for urban employees and enjoy the retirement benefits for employees. When retiring, the amount of individual accounts of residents' pension insurance will be merged into individual accounts of urban workers' pension insurance, and the pension received will also increase.

If the payment period of the endowment insurance for urban employees is less than 15 years, and the payment is not made on a monthly basis, the individual account amount of the endowment insurance for urban employees and the payment period will be merged into the endowment insurance for residents. When you retire, you will be insured by residents' endowment insurance and enjoy the retirement benefits of residents' pension.

Whether it is from urban and rural residents' pension insurance to urban workers' pension insurance, or from urban workers' pension insurance to urban and rural residents' pension insurance, the amount of personal account storage is all transferred, and the personal account pension is calculated cumulatively.

No matter how the two kinds of basic old-age insurance are converted, the principle of "overpaying for more, overpaying for longer, retiring later" remains unchanged. Therefore, if you want to get more pensions after retirement, you will definitely need to pay more for a long time. When we choose the types of endowment insurance, we must fully consider our actual age and economic affordability, and choose the endowment insurance products that suit us. Once the type of endowment insurance is determined, it will be paid normally, and try not to change it at will. If economic conditions permit, it is best to choose urban employee pension insurance. Although the payment amount is higher than that of urban and rural residents' pension insurance, the future pension benefits are also high, and the old-age life is more secure.