Do you know the five skills for farmers to pay social security?

Recently, some netizens left a message in the background and asked me, how can farmers pay social security and their retirement pension will be higher? At present, the pension of farmers' friends is really low. According to the data of 20 19, the per capita pension of farmers is only 162 yuan per month, and the average annual pension is only 1942 yuan. It's not enough to sustain life. At present, it is really necessary to work hard to improve the pension level of farmers. For farmers, you should master these five payment skills, and your pension will be higher after retirement.

First, don't miss it.

There are three main types of social security in China, one is employee social security, the other is flexible employment social security, and the third is urban and rural residents social security. Most unemployed farmers pay social security for urban and rural residents. This kind of insurance is paid according to the annual grade, and the social security expenses are mainly borne by the state and individuals. However, farmers should pay attention to the strict time limit for the payment of endowment insurance for urban and rural residents. If they don't pay within the specified time, or when they reach the age of 60, you don't pay enough 15, so you need to pay in one lump sum. You can't enjoy the state subsidy for the number of years you have returned, and the money paid to the farmers' personal accounts is less, and the calculated pension benefits have also shrunk.

Second, extend the payment time.

After the accumulated social security payment reaches 15, you can receive the pension after retirement, but this does not mean that you can stop paying after the payment reaches 15. Pensions are paid for a long time. The longer the payment time of endowment insurance, the more funds accumulated in the individual account of endowment insurance. In addition, the government will increase the basic pension with the payment period exceeding 65,438+05. Different cities have different levels of economic development, and the payment standards of regular basic pensions are also different.

Third, improve the level of payment.

The endowment insurance for urban and rural residents is very humanized. Farmers can choose the social security payment grade according to their own economic ability. I suggest those who have the financial ability to raise the payment level, because the payment level is directly related to the pension level. Take Sichuan Province as an example to calculate for everyone. If residents pay according to the minimum standard of 200 yuan every year, the government subsidizes 40 yuan. /kloc-the accumulated balance of personal account in 0/5 years is 240× 15 = 3600 yuan, and the personal account pension is 3600÷ 139≈26 yuan. If the payment is made according to the highest standard of 4,000 yuan, the government will subsidize 200 yuan. If the payment is made by 15, the personal account pension will be calculated as 453 yuan. The difference between the two is 427 yuan, so farmers should pay as much as possible to improve the pension level.

Fourth, pay supplementary old-age insurance.

In order to make up for the low pension benefits for farmers, Shanxi Province has introduced a supplementary pension insurance system for urban and rural residents, and the payment is also shared by the government and individuals. Farmers can receive a supplementary pension at the age of 65 after paying 15 years. The sum of supplementary pension insurance and basic pension is the pension that farmers actually get.

Fifth, participate in employee social security as much as possible.

Now the traffic is more and more developed, and the population movement is more convenient. Many farmers' friends will choose to go to cities to find jobs in order to increase their family income. Here we should remind farmers that after signing a labor contract with an enterprise, they can ask the enterprise to pay social security for themselves. Social security costs are shared by units and individuals, and the payment standard is much higher than that of urban and rural residents, but the level of pension benefits is also much higher than that of urban and rural residents, so it is best to pay social security for employees if conditions permit.