Is rural social security more favorable?

Rural social security is paid annually 100 yuan. After paying 15 years, after reaching the age of 60, you can receive a monthly pension. 80 yuan, those who have reached the age of 70 100 yuan, those who have reached the age of 80 120 yuan.

Please pay special attention to:

This is the basic pension.

Just by today's standards.

I don't know. The basic pension will increase every year.

Then the calculated amount will inevitably increase.

First, the greater the amount paid, the more pensions will be received, and whoever participates in the insurance will benefit.

Now let me help you calculate. Now you pay 100 every year, 15 years 1500.

According to the calculation formula of urban endowment insurance, monthly pension = basic pension+total personal account ÷ 139.

2005 1.5 million yuan. Monthly pension = 55+(100x15+200x15+interest) ÷ 139≈87 yuan.

Pay 100 yuan every year. I have paid 15 years, retired at the age of 60, and can get 87 yuan every month.

This is approximate data, because local government subsidies are different, and interest is not considered, which is for reference only.

Second, government subsidies to special groups.

(1) New rural insurance:

(1) The severely disabled persons who belong to Grade II or above (including Grade II) and participate in rural social endowment insurance shall be withheld and remitted by the county-level finance according to 50% of the minimum payment grade, and the severely disabled persons who enjoy the minimum living allowance in rural areas (Grade II or above) shall be paid in full by the county-level people's government according to the minimum personal payment grade standard;

(2) The rural residents of one-child households and two female ligation households pay insurance premiums, and the county people's government will subsidize them at the lowest level of 10%;

(3) During the period of compulsory military service, the county people's government shall pay in full according to the lowest level of individual contributions.

(2) Urban housing security:

(1) The county government pays 50% of the minimum payment level for severely disabled people and families with multiple disabilities who are above Grade II. To enjoy the urban minimum living allowance for severely disabled people (two or more) and families with multiple disabilities, the county people's government shall pay in full according to the minimum personal payment grade standard;

(2) The county people's government shall give subsidies to the urban residents of the one-child family who pay insurance according to the lowest payment grade 10%;

(3) During the period of compulsory military service, the county people's government shall pay in full according to the lowest level of individual contributions.

Third, 20 17 new rural insurance policy-your pension, you must know!

First, why should we implement the new rural insurance?

20 17 where is the new rural insurance?

1. As far as financial subsidies are concerned, the old rural insurance is not clear, while the new rural insurance directly stipulates that the state finance directly pays the basic pension, and the provincial and county finances subsidize the insured. (The total amount of provincial financial subsidies is arranged according to 50% of local subsidies, and the province gives subsidies according to the financial level of each pilot area. The rest is shared by the city and county levels, and the specific sharing ratio is determined by the municipal (state) people's government. )

2. From the insurance mode: the old farmer's insurance refers to the business model, and the pension benefits are completely determined by the accumulated total amount of personal accounts; The new rural old-age insurance refers to the basic old-age insurance model of enterprise employees, and implements the model of combining basic pension with personal account.

3. In the aspect of financing, the old farmer's insurance is a self-storage model; The new rural insurance is a combination of individual contributions, collective subsidies and government subsidies.

Let's give a simple example, which will be more intuitive.

Bian Xiao's mother used to buy the old farmer's insurance at the village head, and she paid a lot, so much in her account; Now buy a new rural insurance, in addition to the part paid by yourself, there are government and collective subsidies in the account.

Second, what are the specific provisions of this new rural insurance?

How do I pay?

(1)20 17 Requirements for new rural insurance participants

All rural hukou residents who have reached the age of 16 and have not participated in the old-age insurance for urban workers can voluntarily participate in the rural old-age insurance.

(2) Payment standard

Our Sichuan is now divided into the following five grades: 100 yuan per year, 200 yuan, 300 yuan, 400 yuan and 500 yuan. Although it is the principle of getting more for more work, it is best to choose the grade that suits you best.

(3) Payment method

1. Self-insurance: Go to the local branch post office to apply for insurance with your ID card, the original and photocopy of the household registration book.

2. Village Committee Agent: Take the information just mentioned to the village Committee and let them do it for you, but you need to provide the original ID card!

Third, I also paid the money, how can I get the money?

The conditions for receiving are rural hukou personnel who have reached the age of 60 and have not participated in the basic old-age insurance for urban workers.

You know, there are two kinds of money for this new rural insurance-"basic pension" and "personal account pension". But all of them are directly transferred by the state to farmers' accounts.

Then a friend will ask, these two gold coins are separated, aren't they all directly credited to the account by the state!

If you think so, you are wrong. These two kinds of gold are very different. The basic pension can be directly received by farmers' friends at the age of 60, without giving money. Individual pensions are graded. If you give more, you will get more.

If the insured person dies, the funds in the personal account can still be distributed through inheritance.

Fourth, how can I have a lot of money every month?

What are the criteria for receiving this?

Let me give you an example first. It's Bian Xiao's mother.

Mommy Bian Xiao, pay 100 every year, and pay 15 years later, if the annual interest rate is 2.25%. If you are over 60, you can get at least this much every month: (1500+450+299.9)/139+70 = around 86 yuan.

(Among them, the total government subsidies are calculated according to the minimum 30 yuan per person per year).

The above data is actually calculated according to this formula:

Monthly pension = (total individual contributions+total government subsidies+account interest) ÷ 139+ basic pension.

In fact, for different grades, local government subsidies are also different:

For those who choose the payment level in 300 yuan, the local government will increase the subsidy to 5 yuan every year.

The local government will increase the subsidy per person per year 10 yuan if the payment grade in 400 yuan is selected.

The local government will increase the subsidy per person per year 15 yuan if the payment grade in 500 yuan is selected.

The fund sharing ratio is the same as the basic payment subsidy sharing ratio.

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