Is it worthwhile to pay 90,000 yuan of rural old-age insurance in one lump sum and receive several thousand yuan every month?

Rural pension consists of basic pension and personal account pension. At present, the amount of pension received by farmers for retirement is a drop in the bucket for farmers to provide for the elderly. There are indeed different opinions about farmers receiving 800 ~ 1300 yuan per month after paying the pension in one lump sum. Generally speaking, urban and rural residents are not allowed to pay social security. If farmers can pay their pensions in one lump sum, most of them are local policies.

It is considered as a local policy that needs to be implemented. Male is 45 years old and female is 40 years old, which can be paid in one lump sum 10 year. When going through the formalities, it shall be paid according to 60% of the average salary of local employees in the previous year and 20% in proportion. Although the payment amount varies from place to place, the annual payment for endowment insurance 10 should be no less than 60,000 yuan. Men who have never participated in social security and reached retirement age are 60 years old and women are 55 years old. They will pay 15 years in one lump sum, with a payment amount of more than 90,000 yuan. Only after retirement can you receive a pension of about 1 1,000 yuan per month.

If the one-time payment policy is introduced and implemented, it should be said that it is the gospel of farmers, but in the face of one-time payment, not everyone may be able to bear it. The reason why employees' pension is several times that of farmers' pension, however, enterprises and employees pay several times that of farmers' pension insurance. Pay and return are in direct proportion.

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