Is it cost-effective to pay 80,000 yuan of rural social security in one lump sum and get about 1 10,000 per month?

Because the pension will be increased once a year, and 40% of the contributions are personal accounts, if there is a balance at the time of death, it can be regarded as 4-5 years. Do it yourself Personally, I think it is more cost-effective for women to get paid at the age of 55 than at 60 weeks.