A 50-year-old woman wants to apply for social endowment insurance. How much should she pay before 10 years?

Take your ID card and go to the local social security agency to buy urban residence insurance. Payment 15 years, you can get retirement salary at the age of 60. You are 50 years old, and you won't be 10 until you are 60 years old. You need to make up for five years at a time, and you can retire at the age of 60.

According to the current policy, you can pay 10 year and then make up for five years at one time, or you can make up for five years at one time and then pay 10 year. I suggest you make it up before handing it in, for fear of policy change.

Urban housing insurance is paid annually, which is divided into two grades: 100, 200, 300, 400, 500, 600, 700, 800, 900, 1000 and 100, which can exceed 1000. You can also pay more or less according to the annual economic situation, but you must have 15 years to apply for retirement.

If your financial situation is good, you should consult the local social security agency. If you can make up to 15 years, you can choose to enter employee insurance as an individual worker. The employee insurance premium is very high, and the base of payment can be decided independently within the range of the average salary of the whole province to 300%. Now the minimum monthly supply in Beijing should be higher than that in 800 yuan. Because self-employed female workers retire at the age of 50, when you reach retirement age, you can only make it up at one time.

At present, there are three forms of social endowment insurance in China: occupational insurance, new rural insurance and urban residence insurance.

Endowment insurance for urban workers (occupational insurance)

● Payment ratio: the enterprise pays 20% of the employee payment base (basic pension) and the employee pays 8% (personal account).

● Account management: the combination of social pooling and personal accounts.

● Receiving conditions: enterprise employees reach the legal retirement age (60 years for male employees, 55 years for female cadres and 50 years for female employees), and they can receive the basic pension on a monthly basis after they have paid 15 years.

● Payment base: the approved payment base is based on the local average social wage of employees in the previous year (referred to as provincial social wage).

(a) the wage income of enterprise employees is lower than 60% of the province's social wages, and the payment base is approved by 60%; If it is higher than 60% of the provincial social wage, the payment base shall be approved according to the actual wage income, but it shall not be higher than 300% of the provincial social wage.

(two) individual workers in the province's social wages of more than 300%, independently determine the base of payment. Pay 20% of the payment base, of which 12% is the basic pension and 8% is the personal account.

● Calculation method of basic pension: basic pension = basic pension+personal account pension. The monthly standard of basic pension at retirement is based on the average monthly salary of local employees in the previous year and my indexed monthly salary, and the payment is paid to 1% every1year.

About the index: it is the ratio of the payment base of that year to the average salary of the whole province. If the province's average wage is 2000, the index is 1 with 2000 as the payment base. Pay according to the base 1600, with an index of 0.8; According to the base number of 2600, the index 1.3.

About the basic pension: the contribution index is different every year. The basic pension is the payment period multiplied by the average salary of local employees in the previous year and then multiplied by the average index.

About the monthly salary of personal account: it is the amount of storage (including interest) divided by the number of months, and the monthly salary of 45-year-old retirement (special type of work for female employees) is: the total amount of personal account x1/216; Monthly income of 50-year-old retirement: total personal account x1195; Monthly income of 55-year-old retirement: total personal account x1170; Monthly income of retirement at the age of 60: total personal account x1139.

Urban individual industrial and commercial households and flexible employees should at least pay according to the average salary of local employees in the previous year, and their payment index is always 1 or above, and the calculation method is the same as that of enterprise employees.

Rural hukou endowment insurance (new rural insurance)

● Coverage: Rural residents who have reached the age of 16 (excluding students at school) and have not participated in the basic old-age insurance for urban workers can voluntarily participate in the insurance at their domicile.

● Payment method: The new rural endowment insurance fund consists of individual contributions (divided into five grades: annual contributions 100, 200, 300, 400, 500), collective subsidies and government subsidies (minimum annual 30 yuan).

● Eligibility: Elderly people with rural household registration who have reached the age of 60 and do not enjoy the basic old-age insurance for urban workers can receive a monthly pension.

● Monthly amount: basic pension = total payment1139, basic pension 55 yuan, total payment = all individual contributions+all collective subsidies+all government subsidies+interest, etc.

● When the new rural insurance system is implemented, those who have reached the age of 60 and have not enjoyed the basic old-age insurance benefits for urban workers can receive the basic pension on a monthly basis without paying fees, but their eligible children should pay insurance premiums; If the age is less than 15, the annual payment is allowed, and the accumulated payment shall not exceed15; If the age is above 15, the fee shall be paid annually, and the accumulated fee shall not be less than 15.

● When the insured person dies, in addition to government subsidies, the balance of personal account funds can be inherited according to law; The balance of government subsidies is used to continue to pay the pensions of other insured persons.

Endowment insurance for urban residents (urban residents' insurance)

● Coverage: Non-employed urban residents who have reached the age of 16 (excluding students at school) and do not meet the requirements for participating in the basic old-age insurance for employees may voluntarily participate in the insurance at their domicile.

● Payment method: residents pay (divided into 10 grades: annual payment 100, 200, 300, 400, 500, 600, 700, 800, 900, 1000) and government subsidies (minimum annual 30 yuan).

● Enjoy treatment: Insured residents who have reached the age of 60 can receive basic pension and personal account pension on a monthly basis.

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