Parents over the age of 60 to spend 100,000 to make up for social security, do you think it is necessary?

In accordance with the policy of urban and rural residents' pension insurance, but all the people involved in the urban and rural residents' pension insurance work, pay contributions for 15 years, men and women's age to 60 years old, you can receive urban and rural residents' pension insurance pension. In which for the spacing issued pension period is not enough 15 years of people, not only can gradually pay the fees, but also a one-time supplemental payment, the maximum supplemental payment period of 15 years, of course, your mother and father have passed the age of 60 years, the local can also allow a one-time supplemental payment, has been a very humane countermeasures, in general, more than 60 years of age is able to will not be able to supplemental payment of old age insurance, therefore, your mother and father should be more fortunate. The first thing you need to do is to get your hands dirty.

Then the mom and dad one-time supplemental contribution of 100,000 in the end to be able to scratch it? The only thing that is not clearly explained here is that the two parents total **** to pay 100,000 or each person to pay 100,000 yuan, the following points in these two cases to explain.

If each parent pays more than 100,000 yuan to make up 15 years, the average value of each year to make up the cost of 6,667 yuan, the level of this supplement is still very high, because of urban residents to make up for the social pension insurance to be all credited to the individual account, but a one-time supplemental payment can not enjoy the subsidies of the Financial Services Bureau, no interest on the funds. Repayment of more than 100,000 yuan so that the personal account is in fact more than 100,000 yuan, divided by 139 months, the monthly personal account pension insurance benefits for 719.42 yuan. The pension portion is paid in full by the Finance Bureau. If your local pension is 150 yuan, your monthly pension will be 869.42 yuan. Every year to receive 10,433.04 yuan, about 9 years a little more than can get back their own cost of re-payment.

If each of your parents is a one-time contribution of more than 50,000 yuan, 15 years of supplementary payment of 3,333.33 yuan per year, the balance of the individual account are more than 50,000 yuan, divided by 139 months, the monthly personal account pension insurance premiums for 359.71 yuan, plus pension pension 150 yuan, the monthly pension insurance premiums for 509.71 yuan per year to receive 6116.52 Yuan, a little more than 8 years can get back their own contribution cost.

The one-time contribution of more than 50,000 yuan or 100,000 yuan, the monthly personal account pension insurance premium is exactly half the distance, but the pension is the same. Because the pension is not the same in each place, here 150 yuan per month is the standard in most areas, some places will be higher than 150 yuan, some places today is not up to 150 yuan, so part of the pension will be a little in and out, should be in accordance with local requirements to implement.

Overall, your parents are already over 60 years old, you can make a one-time contribution of more than 100,000 yuan or mom and dad each make up more than 50,000 yuan, I think all more appropriate, at least your mom and dad to make up for the payment, you will be able to immediately apply for the receipt of old age pension formalities, at least a few hundred dollars per month of old age pension insurance premiums. Although the pension insurance premium is not too high, and can not effectively solve how to old age, but belongs to your parents own pension insurance premium, which to a certain extent also relieves the pressure of the children, both for your parents and for the children are very worthwhile, but also very necessary.