Urban and rural areas pay 4000 plus employee social security every year.

I come from the countryside and participated in the endowment insurance for urban and rural residents. Pay according to the standard of 4000 yuan per year. So in this case, how much pension can you get after 15? On this issue, then we all know that before 20 18, in most parts of the country, the payment ceiling of the new rural cooperative medical insurance was only 2,000 yuan. In other words, it is impossible to exceed 2000 yuan a year. Starting from 20 19, this restriction was broken, and many areas raised the payment ceiling, ranging from 5,000 yuan to 8,000 yuan, even exceeding 10000 yuan.

Then we can choose to pay 4000 yuan a year for social security, no problem. Moreover, the new rural cooperative endowment insurance has a characteristic, its payment is fixed, that is to say, you can choose to pay 4000 yuan per year, and there will be no change, and the payment grade will not change. Therefore, in the next 15 years, we can choose to pay 4000 yuan, which is no problem. For those who are about to retire, they can also choose to pay a one-time fee of 15 years before retirement, or pay according to the standard of 4000 yuan per year.

Then let's roughly calculate the total personal account after you pay 4000 yuan a year, 15. It's about 60 thousand yuan. If you choose a one-time payment, it means that you need to pay 60,000 yuan at a time. Of course, this payment standard is not particularly high, but it is definitely not particularly low. We calculate our personal account pension according to the total pension account of 60,000 yuan. Because the unified legal retirement age for both men and women who participate in the old-age insurance for urban and rural residents is 60 years old, the planned number of months corresponding to 60 years old is 139 months.

In this way, the treatment of personal account pension can be calculated at a glance. Divide 60,000 yuan by 139 months, and the personal account pension is about 43 1 yuan. Of course, this personal account pension is only one part of our pension, because besides personal account pension, there are also some personal basic pensions. In most parts of the country, the individual basic pension does not exceed 150 yuan. We assume that the calculation is based on 150 yuan. In fact, the pension benefits that can be enjoyed in the end are probably around 580 yuan.

Of course, the basic pension standard in each region is different, and some regions may be in the early 100 yuan. Some areas may far exceed 150 yuan. For example, the standard of basic pension in Shanghai has reached 1.300 yuan this year. If you retire in Shanghai, you can get at least 1.700 yuan if your personal account pension is increased by more than 400 yuan. But in most parts of the country, it is probably above 500 yuan and below 600 yuan. This is what we pay according to the standard of 4000 yuan per year, and we can get the pension by paying 15.