1995 paid the rural social endowment insurance in 300 yuan, and can receive the pension in 2032. What should I do now?

Insurance Bian Xiao helps you answer, and more questions can be answered online.

The current pension calculation formula is as follows:

Pension =70+ personal account deposit/139 = 70+(300+30) *15/139 =105.61.

Farmers participate in old-age insurance, which used to be called new rural insurance, but now it is called old-age insurance for urban and rural residents. The old-age insurance payment standards for urban and rural residents are set at 100 yuan, 200 yuan, 300 yuan, 400 yuan, 500 yuan, 600 yuan, 700 yuan, 800 yuan, 900 yuan, 1000 yuan, 1500 yuan and 2000 yuan. Standards vary from place to place.

To participate in the endowment insurance for urban and rural residents, the money you can get after the age of 60 consists of basic pension and personal account pension.

At present, the standard of basic pension is 70 yuan per person per month, which is also the minimum standard of basic pension. This money is given to you free of charge by the state and will be increased in time according to economic development and price changes. Moreover, basic pensions in various places are generally higher than those in 70 yuan.

Personal account pension, the monthly calculation and payment standard is the total amount of personal account divided by 139. Suppose: You choose to pay 300 yuan every year, and the local government subsidizes 50 yuan every year for 30 years, with an average annual interest rate of 3%. When you are 60 years old, the accumulated savings in your personal account is 1665 1 yuan, divided by 139, and the monthly personal account pension is 120 yuan.

Then, the basic pension 70 yuan, plus the personal account pension 120 yuan, can get 190 yuan every month. Note that this is at least 190 yuan per month, which is 2280 yuan a year. It can be seen that it is more cost-effective.

New rural endowment insurance handling process

① Insurance coverage: rural residents with local rural household registration who have reached the age of 16 (excluding school students) and have not participated in the basic old-age insurance for urban workers.

② Required documents: original ID card, two copies of ID card, original household registration book, two copies of household registration book, four bareheaded photos of 1 inch (six for people over 60 years old).

③ Handling method: Fill in 4 registration forms and 2 household registration forms in the village street where you are located, attach photos, sign and confirm by fingerprints. 16 ~ 59 years old people choose the payment grade (100 ~ 1000) to pay, and the village street handling personnel issue a receipt and fill in the payment schedule. People over the age of 60 do not need to pay fees, fill out two application forms for treatment and submit two passbooks.

How to pay the new rural endowment insurance?

① Regular payment: This method is adopted by regions and people with relatively stable or rich incomes. For example, township enterprises can pay premiums on a monthly or quarterly basis, and farmers in rich areas can pay premiums on a half-year or a year basis, and the amount paid can be paid in proportion to their income or according to a certain amount.

(2) Irregular payment: The method adopted by most areas because of unstable income is to pay more in good years, pay less in young years and pay less in disaster years. Pay when the family income is good, and don't pay when it is bad.

③ One-time payment: most of them are older farmers. When they are old, they will pay the premium in one lump sum according to their security level and receive the pension according to the regulations until they are 60 years old.

How much does the new rural endowment insurance need?

(a) individual contributions, in the future to participate in the new rural social endowment insurance, according to the provisions of the payment of endowment insurance. At present, the payment standards are set at 100 yuan, 200 yuan, 300 yuan, 400 yuan, 500 yuan, 600 yuan, 700 yuan, 800 yuan, 900 yuan, 1000 yuan, 1500 yuan, 2000 yuan, and the people's governments of provinces (autonomous regions and municipalities) can add payment grades according to actual conditions. Insured people choose their own grades to pay, and pay more.

(2) As for export subsidies, the minimum 45 yuan -65 yuan subsidy per person per year is determined, and the minimum monthly pension standard per person is 1.20 yuan. At the same time, encourage long-term payment. For farmers and herdsmen who have paid 15 years, the basic pension in 2 yuan will be increased every month for each additional payment 1 year.

③ In terms of import subsidies, the minimum annual subsidies from 20 yuan to 60 yuan are determined respectively. At the same time, encourage more payments. Choose to pay more than RMB 100, and for each additional payment grade, the annual subsidy per person shall not be lower than that of 5 yuan.

(4) For the severely disabled and other difficult groups, the government pays the minimum pension insurance premium on their behalf.

Calculation method of new rural endowment insurance

Because local economic levels and policies are different, you need to ask the local social security bureau for the specific payment grade. The phone number is 12333.

The new rural social endowment insurance consists of basic pension and personal account pension, which is paid for life.

Monthly pension = basic pension+total personal account ÷ 139.

Basic pension = the standard is 55 yuan (later adjusted with national policies)+every additional 65,438 years after payment +0 yuan;

Total amount of individual account = individual payment+government subsidy+collective subsidy+social and individual subsidy+interest generated from the above amount;

If you are 46 years old, you should pay the fee according to the standard of 100 yuan per year, 15 years, and the individual pays the fee 1500 yuan. At the age of 60, the monthly pension standard =[55 yuan +0 (basic pension will be increased after payment 1 year)] {{[(65438+000+30) × 15+0 (collective assistance, social and personal assistance, etc.).