How do Anyang farmers buy social security?

Why don't rural people have social security?

Of course, farmers can also buy social security, such as rural endowment insurance, cooperative medical insurance and other social benefits.

There are two ways to deal with social security:

(-) To pay in the name of an individual, it is necessary to apply to the social security bureau where the household registration is located. Procedures include: my ID card, two recent bareheaded one-inch photos, insurance premium, application form, etc. And can only apply for pension and medical insurance.

How much to pay is calculated according to the local social wage of the previous year, which is different every year.

For example, the average salary of a prefecture-level city is 20,000, then the pension insurance payment is 20,000 * 20% = about 4,000/year, and the medical care is 20,000 *10% = about 2,000/year.

In addition, it is also stipulated that the lowest grade and the highest grade are not less than 60% of the average monthly salary of social workers, and the highest grade is 300% of the average monthly salary of employees. Generally, the lowest grades are mostly.

In addition, the minimum payment period of old-age insurance is 180 months, that is, 15 years, and medical insurance needs to pay at least 25/30 years. When you reach retirement age, you can apply for pension benefits and medical reimbursement (as long as you renew your fees, you can usually).

(two) or to buy social security units. According to your specific situation, it is a foreign hukou, and you can only buy social security through your unit.

In addition, if we apply for social security, it is better for the second unit to pay it, because the unit will bear a large part of the expenses for us, thus reducing the pressure on our own payment.

Well, the minimum payment period of endowment insurance is 180 months, which is 15 years. You can give more, and then you can get more. At the same time, the pension insurance can accumulate payment years, that is, intermittent payment is allowed. Medical insurance needs at least 25/30 years. When you reach retirement age, you can apply for pension benefits and medical reimbursement (as long as the fee is renewed, it is also possible at ordinary times).

The current retirement age is 60 for men and 55 for women. Of course, under special circumstances such as engaging in high-risk work and losing the ability to work, you can apply for early retirement and receive pension benefits.

You need to transfer back to the social security bureau where your account is located or apply at the social security bureau where you purchased it.

Retirement, there is such a formula to calculate pension: the sum of social wage *20%+ personal account *1120, which is obviously directly related to social wage and the amount paid by individuals. According to the time period and grade of payment, it is generally around the local minimum living standard.

Besides, after all, China is a populous country. The purpose of social security is to solve the problems of old-age care and medical care in the future and embody the principle of socialist homogenization, rather than widening the gap and creating contradictions. So, even if you pay more, you set an upper limit.

If you want to improve the quality of old-age care, I suggest you buy some commercial insurance as a supplement according to your actual economic situation on the basis of social security.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.