What is the payment standard of rural social security in Fujian in 2023?

Rural social security, that is, rural social insurance, including rural old-age insurance and rural medical insurance, is an old-age insurance policy that is guided by government organizations, adopts the system mode of combining social pooling with individual accounts, and adopts the financing mode of combining individual contributions, collective subsidies and government subsidies to protect farmers' basic livelihood in their later years. Let me take you to ... I want to know more about Fujian rural social security payment standards. Let's take a look.

Rural social security, that is, rural social insurance, including rural old-age insurance and rural medical insurance, is an old-age insurance policy that is guided by government organizations, adopts the system mode of combining social pooling with individual accounts, and adopts the financing mode of combining individual contributions, collective subsidies and government subsidies to protect farmers' basic livelihood in their later years. The following is for everyone to introduce: Fujian rural social security policy, Fujian rural social security payment standard.

Fujian rural social security policy

First, the rural social security policy.

The rural social security policy is guided by government organizations and adopts the system mode of combining social pooling with individual accounts. The old-age insurance policy, which combines individual contributions, collective subsidies and government subsidies, ensures the basic livelihood of farmers after they get old.

Second, the introduction of rural social security policies.

Rural social security is a personal account of old-age insurance that the state establishes a lifelong record for each new rural insurance participant. Individual contributions, collective subsidies, subsidies to the insured by other economic organizations, social welfare organizations and individuals, and subsidies to the insured by local governments are all credited to personal accounts. Personal account savings deposits bear interest every year with reference to the one-year RMB deposit rate of financial institutions announced by the People's Bank of China.

The state will establish and improve the financial accounting system of the new agricultural insurance fund. The new agricultural insurance fund is included in the financial special account of social security fund, managed by two lines of revenue and expenditure, accounted for separately, and maintained and increased in accordance with relevant regulations. In the pilot stage, the new agricultural insurance fund is temporarily managed at the county level, and with the expansion and opening of the pilot, the management level is gradually improved; Where conditions permit, provincial management can also be directly implemented.

Compared with the basic endowment insurance for urban workers, the new rural social endowment insurance is different in four aspects.

First of all, the basic old-age insurance for urban workers is to protect urban employment groups; However, the new rural endowment insurance protects rural residents.

Secondly, the basic old-age insurance for urban workers is compulsory according to the provisions of national laws and regulations, and employers, employers and employees, including individual workers, must pay in accordance with the provisions; The new rural insurance emphasizes the principle of voluntariness, and farmers participate voluntarily.

Third, the new rural insurance policy is flexible, which is not available in the basic old-age insurance for urban workers. Generally speaking, the basic old-age insurance for urban workers is not very flexible. Farmers can choose according to their income level, and do not make a one-size-fits-all approach.

Last but not least, the financing structure is different. Employers are the main contributors to the basic old-age insurance for urban workers, and the government is the main contributor to the new rural insurance.

Fujian rural social security payment standard

Social security reform is a topic of widespread concern recently. 1, 2065438 Within two years from May, China will gradually reduce the contribution ratio of basic old-age insurance units for enterprise employees. At present, many provinces in 10 have introduced social security fee reduction schemes. How do these policies affect the retirement life of residents? How much pension can I get every month after retirement? How can I get more pensions? On the 25th, the reporter interviewed Li Xrui, an analyst at Yinlv Financial Research Center, a third-party financial monitoring platform. Li Xrui explained that if the wages paid over the years are basically the same as the local average wage and continue to pay for 30 years, the pension you can get is about half of the monthly salary before retirement.

Accumulated payment 15 years can be collected.

Regarding the social security contribution rate, the relevant staff of Fuzhou Municipal Bureau of Human Resources and Social Security said that Ministry of Human Resources and Social Security has made it clear that reducing the social insurance premium rate in stages will not affect the social insurance benefits.

Li * Rui said that according to the policies related to the basic old-age insurance for enterprise employees, after1July 1997, they will join the work and pay the old-age insurance for 15 years, and they can receive the basic pension after retirement. People who joined the work before July, 1997, receive pensions in different ways according to different situations.

Judging from the place of collection, if the basic old-age insurance relationship is located in the household registration, it will be collected on the spot. If you work in a certain place, but your household registration is not in the local area, you must pay 10 years in the local area (nationwide, you must accumulate 15 years) in order to receive the local pension. If the cumulative payment period in each insured place (non-domicile place) is less than 10 years, the pension relationship must be transferred to the domicile place for collection.

The monthly salary is 5000, and you can get 2500 after retirement.

With a monthly salary of 5000 yuan, how much pension can you get after retirement?

Assume that the average local salary in the last year of retirement is also 5,000 yuan, the ratio of the individual contribution base to the average local salary over the years is 1 (that is, the average contribution index is 1), the payment period is 30 years, the retirement age is 60 years, and the personal account deposit is144,000 yuan.

Then, the basic pension = [(5000+5000×1) ÷ 2 ]× 30×1%=1500 yuan, and the personal account pension =144000 ÷1.

That is, under the above conditions, the monthly salary is 5,000 yuan, and the basic pension after retirement is about 2,500 yuan.

It is also applicable to change the monthly salary into other figures. In other words, if the salary paid over the years is basically the same as the local average salary, and you continue to pay for 30 years, the pension you can get is about half of the monthly salary before retirement.

The more you work, the greater your contribution, and the more your pension.

"The level of basic pension benefits is directly linked to the length of payment period, the level of payment base and retirement time. If you want to get more pensions, you must work more and pay more. " Li Xrui pointed out that, first of all, the payment of social security should not be easily interrupted, and the payment period should be increased as much as possible; Secondly, the higher the average wage in local cities, the more basic pensions you can receive. Of course, the longer you live, the more you receive.

According to reports, the length of the payment period is the most important. The length of payment period has an impact on both basic pension and personal account pension. If the payment period is increased by 1 times, the basic pension you can receive can be doubled, regardless of whether the payment base is high or low. Therefore, when looking for a job, you can try to find a unit that can pay social security, and it is easy to pay social security continuously and try to increase the payment period.

The location of the basic old-age insurance relationship is very important, that is, the place where retirement and pension are handled. When calculating the basic pension, "the average monthly salary of local employees in the previous year c 1" increased by 1 times, and the amount of basic pension increased by 1 times. Under the same conditions, the higher the average salary in your place, the more basic pension you can receive. The level of payment base has an impact on pension, but the impact is not so obvious. When calculating the basic pension, the average index of contribution wage is 2, which means that the average monthly contribution wage is twice the local average wage, but the basic pension received only increases by 1.5 times.

In addition, if the insured dies and does not receive a pension, the rest can be inherited according to law.