How to get old age after 60 years old

How the urban jobless people will be pensioned after 60 years old is as follows:

1. Relying on social security: the urban jobless people can apply for the basic pension when they reach 60 years old. In addition, they can also enjoy benefits such as medical insurance and unemployment insurance;

2. Relying on savings: urban jobless people can accumulate certain wealth through deposits, stocks, bonds, etc., in order to prepare for their old age;

3. Building a social network: old age is not only a material problem, but also a psychological need. Urban jobless people can expand their social circle and increase their enjoyment of life by participating in community organizations, volunteer activities, etc.

4, children's support: although children are now independent earlier, some people can still rely on their children for long-term support, especially if they live in close proximity to each other. In short, the old-age pension program for urban jobless people after 60 years old needs to be comprehensively considered and selected according to the actual situation of the individual.

Pension insurance is divided as follows:

1. Urban workers' pension insurance: it is one of the basic social security insurance that is mandatory for employers to purchase for their employees, and the employers and employees*** pay the premiums together, which is usually 16% borne by the employers and 8% borne by the employees, and the insured person who has accumulated a total of 15 years' payment for the urban workers' pension insurance before the legal retirement age is reached will be able to Start to enjoy the old-age pension treatment and receive monthly pension. In addition, after a participant's death, the urban workers' pension insurance can also pay pensions and funeral expenses;

2. Urban and rural residents' pension insurance: it is a kind of basic pension insurance that a participant with local household registration, who has reached the age of 16 (excluding school students), who is not a staff member of state organs and institutions, and who has not participated in the urban workers' basic pension insurance can voluntarily choose to participate in, and the participant can choose to participate in this kind of basic pension insurance before reaching the age of 60 with a cumulative contribution of 8 percent. If a participant has paid premiums for a total of 15 years before reaching the age of 60, he or she will be entitled to pension benefits;

3. Flexible Employment Pension Insurance: Flexibly employed persons can voluntarily choose to participate in the insurance scheme, and if a participant has paid premiums for a total of 15 years before reaching the statutory retirement age, he or she will be entitled to pension benefits after retirement;

4. Commercial Pension Insurance: It is sold and underwritten by insurance companies and is a profit-making insurance scheme. voluntarily choose to insure, with a profit-making nature. For example, after paying premiums, the insured can start receiving annuities in accordance with the insurance contract when he/she survives to the age of receiving annuities, such as 50 years old, 55 years old and 60 years old.

In summary, for urban residents, no work, and did not pay social security, naturally no pension. However, the state has a policy, specifically for the elderly over 60 years of age, that is, no working ability, no source of livelihood, no fixed provider of the elderly, as long as the elderly and their families who meet the above conditions, before the 10th of each month to the domicile of the local community committee to apply for subsidies for in-home care services, the application should be submitted to the approval form, ID card, household registration, low income guarantee, a copy of the certificate of disability or hospital diagnosis, each.

Legal basis:

Article 12 of the Social Insurance Law of the People's Republic of China

Employers shall pay the basic pension insurance premiums in accordance with the ratio of the total wages of the employees of the organization as stipulated by the state, which shall be credited to the basic pension insurance fund.

Employees shall pay basic pension insurance premiums in the proportion of their own wages as prescribed by the State, which shall be credited to their individual accounts.

Individual industrial and commercial households without employees, part-time workers who have not participated in the basic pension insurance in the employing organization, and other flexibly employed persons participating in the basic pension insurance shall pay the basic pension insurance premiums in accordance with the state regulations, which shall be credited to the basic pension insurance general fund and the individual account respectively.