How should rural parents pay social insurance?

First of all, there are three options for rural hukou to buy social security.

One is to buy basic old-age insurance for urban workers as a free man. Free people participate in the basic old-age insurance based on the minimum guaranteed wage in this city in the previous year (generally, prefecture-level cities will release the average social wage of employees in this city in the previous year, and this average wage multiplied by 60% is the minimum guaranteed wage in this city, which is the base of free people's insurance payment). At present, the social security payment ratio is 20%, and the medical insurance payment ratio is 8%. Of course, you have to pay for it yourself.

Second, affiliated enterprises purchase basic old-age insurance for urban workers. The social security payment base is the virtual salary of the enterprise, and the payment ratio is 23% of the social security (the policy stipulates that the enterprise shall bear 15, and the individual shall bear 8%, because your parents are affiliated, so all of them shall bear it), and the medical insurance payment ratio is 8% (the policy stipulates that the enterprise shall bear 6%, and the individual shall bear 2%, which is actually borne by your parents). On the contrary, your parents pay more than the first one and enjoy the same treatment as the first one. The difference is that your parents have contributed to the enterprise (the enterprise does not have to pay social security for others because of your parents' affiliation).

The third way is to buy the new rural cooperative medical system (hereinafter referred to as the new rural insurance) with rural hukou. The payment standard of this new rural insurance is set at 100 yuan per year, in 200 yuan, 300 yuan, 400 yuan and 500 yuan. This is your second question. The insured can choose freely according to his own economic situation. The government subsidizes the insured, and the subsidy standard is 30 yuan per person per year (including the average provincial financial subsidy in 20 yuan and the county financial subsidy 10 yuan). For each level of payment, the county finance will increase the payment subsidy to 5 yuan. The county government pays all the old-age insurance premiums on behalf of those groups who have completely lost their ability to work and have no source of income, at the rate of 100 yuan per year. For severely disabled people in rural low-income households, the county government will pay 100 yuan of old-age insurance premium per person every year on the basis of "minimum living allowance" and "disabled card"; For other groups with payment difficulties identified as rural poor households (including severely disabled people and rural low-income households) in that year, the county people's government shall pay or subsidize the old-age insurance premium according to the standard of 80 yuan per person per year, and individuals shall pay the rest of the old-age insurance premium according to the prescribed payment grade. Whether rural severely disabled people, rural low-income households and other groups with difficulties in paying fees are eligible to pay or subsidize endowment insurance premiums shall be examined and determined by the county labor and social security bureau in conjunction with the county disabled persons' Federation and the county civil affairs bureau. Set of severe disabilities, subsistence allowances, poor and other multi-identity payment objects, payment subsidies are subsidized according to the highest subsidy standard that the insured can enjoy. Those who have reached the age of 60 and do not enjoy the basic old-age insurance for urban workers, and those with household registration in rural areas, can receive 55 yuan pension on a monthly basis without paying insurance premiums, but all their children must be insured. In 2009, all prefecture-level cities in all provinces in China chose a county to carry out pilot projects. I believe this new rural insurance will be fully rolled out soon.

Now you see, parents can buy in three ways. Which one suits your parents? Let me help you analyze it.

If you buy the first and second kinds, you should buy them for at least 15 years, and you can enjoy the pension and free medical care until you retire. If the landlord should pay attention, he should accumulate 15 years and enjoy old-age care and free medical care at retirement age! That is to say, your parents are 47 years old, your father bought 13 years, and your mother will have reached retirement age after buying it for another 8 years (I assume that women are required to retire at the age of 55 in your place, but now some places are 50 years old), but because the payment has not accumulated to 15 years, they can't enjoy it, so they can only return the money they have paid or apply to continue to pay to1.

Of course, if your parents can live to be over 100, they don't care about these years.

If you buy the third one, there is your second question. There is a big difference between buying first gear and fifth gear. If there is no difference, then the person who buys the fifth gear is an idiot.

How is the standard for charging fees calculated? Ha ha. . This question involves many questions, and even experts can't answer you accurately. I didn't just say that to you. Why do you say that? First, the known conditions you have given are not sufficient, such as the annual payment base of your parents or the average annual salary of employees in your area, which involves the actual payment index and the average payment index. Second, when will your parents retire and enjoy it? After that, it is still unknown. Now the social security policy is improving, and this calculation method is still improving.

Let me give you a brief introduction to the calculation method of pension.

Retirement fee = basic pension+personal account pension

Let's start with your parents' personal account pension. This is the amount of money in your parents' personal account when they retire divided by the number of months (this table corresponds to 139 months for retirement at 60). Suppose your parents have a personal account of 60,000 yuan when they retire, and your parents' personal account pension will be around 430 yuan every month.

The calculation of basic pension is more complicated, so I will briefly talk about it.

Basic pension = last year's average monthly salary of employees in the province+my average monthly payment salary) ÷2× payment period (including deemed payment period) × 1%

Index average monthly payment wage = last year's average monthly salary of employees in the province × my average payment index.

My average payment index = (the sum of deemed payment index × deemed payment months+actual payment index over the years) ÷ (deemed payment months+actual payment months).

Actual payment index = my monthly payment salary ÷ the average monthly salary of employees in the whole province (on-the-job) in the previous year.

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