Is there a difference between paying 100 yuan for rural social security and 1000 yuan for retirement? New rural endowment insurance 100

Rural areas pay 100 yuan each year, and social security 1000 yuan. After fifteen years, does it make any difference when it is received?

Social security pays 100 yuan and 1000 yuan every year. After 60 years old, the pension is still very different.

Rural endowment insurance, also known as rural 60-year-old endowment insurance, farmers can get basic pension every year after they are 60 years old, even if they don't pay it, but the amount is very low, and the payment standard in each region will be different. Generally speaking, according to the local economic development level, the local government will bear this part of the cost.

Therefore, the higher the level of economic development, the higher the basic pension you can often receive. For farmers who pay rural social security, they receive corresponding pensions and subsidies according to the local rural pension classification. Farmers can receive pensions after the age of 60, generally including basic pensions and personal account pensions. The former's "basic pension" is distributed evenly in a region, while the "personal account pension" will be different because of the different grades of farmers' pension insurance.

Rural pension consists of two accounts, one is personal basic pension account, and the other is your personal pension account. Although the personal basic pension is the same, the personal account pension is different. In fact, the pension benefits you get are different. You can roughly calculate how much the personal account pension is different. In 20 19, the national basic pension standard is 88 yuan. If the payment reaches 15, the 2 yuan will be increased for each increase in the basic pension 1 year; Personal account pension = total personal account ÷ 139, total personal account = individual contribution+government subsidy+interest.

This national policy advocates paying more, but not paying more. If you are under 60 years old, have not participated in the new rural insurance, and don't even have the minimum payment level of 100 yuan per year, then you can't enjoy the basic pension after 60 years old. It has been nearly ten years since the new rural endowment insurance started from 100 in 2009 to the fifth grade in 500 yuan. At present, the lowest grade of 100 yuan has been cancelled in many places, and it has been raised to 12 grade, and the highest grade is 5000 yuan per year.

Therefore, the more social security you pay each year, the more pensions you get after 60.

Yes, when they retire, they will receive a different pension, which will be less in the future 1350 yuan.

Old-age insurance (calculation method) The monthly pension received after retirement is: basic pension (now the lowest in 55 yuan, and still increasing)+(total individual contributions+local government subsidies+interest) divided by 139.

According to the current social security composition of the city. Personal contributions accounted for nearly 60%. After retirement, when receiving insurance, it consists of two parts.

1, basic pension (average salary of last year *20%)

2. Personal account pension (total individual contributions/120), if the salary base of the previous year was 2000;

You paid 100 yuan, 15 years; 100 *12 *15 =18,000 yuan, receiving pension: 2000 * 20%+18,000/120 = 550 yuan;

And if you pay 1000, you will receive: 2000 * 20%+180000/120 =1900 yuan per month; You pay 900 less now and get less later 1350.

Extended data:

New rural old-age insurance: A new type of old-age insurance for rural residents is called new rural old-age insurance, which is a new insurance model compared with the rural old-age insurance carried out in previous places.

Hu Xiaoyi said that in the past, the old rural insurance was mainly paid by farmers themselves, but it was actually a self-help mode. The biggest feature of the new rural endowment insurance is the combination of individual contributions, collective subsidies and government subsidies, and there are three financing channels. Its basic principle is "to ensure basic, wide coverage, vivid and sustainable".

First, proceed from the rural reality, start at a low level, and the standards of financing and treatment should be compatible with economic development and affordability in all aspects; Second, individuals, collectives and governments should share responsibilities reasonably, and their rights and obligations should be adapted; Third, the combination of government guidance and farmers' wishes will guide farmers to participate in insurance generally; The fourth is to pilot first and gradually push it away.

Basic introduction: The reason why the new rural social endowment insurance is called the new rural endowment insurance is relative to the rural endowment insurance carried out in previous places. Hu Xiaoyi said that in the past, the old rural endowment insurance was mainly paid by farmers themselves, but it was actually a self-saving model. The biggest feature of the new rural endowment insurance is the combination of individual contributions, collective subsidies and government subsidies, and there are three financing channels.

"In particular, the central government subsidizes local governments, and this subsidy is directly subsidized to farmers. I think it is another major policy to benefit farmers after canceling a series of policies to benefit farmers such as agricultural tax, direct agricultural subsidy and new rural cooperative medical care. "

In addition, different from the old model of establishing farmers' individual accounts, the new rural endowment insurance draws lessons from the current model of unified accounts for urban workers. Hu Xiaoyi introduced that the payment structure of the new rural insurance is divided into two parts: basic pension and personal account pension. The basic pension is fully guaranteed by the state finance, which means that Chinese farmers will enjoy the state's inclusive pension after they are 60 years old.

However, Hu Xiaoyi stressed that the upcoming new rural endowment insurance is still in the pilot stage. "The new rural insurance policy should be gradually pushed through pilot improvement, which does not mean that everyone will receive money from tomorrow." According to the plan, by 2020, all farmers will enjoy the new rural insurance.

He Lao Nong Bao:

First, the financing structure is different. In the past, the old farmer's insurance was mainly paid by farmers themselves, but it was actually a self-help model. The biggest difference of the new rural endowment insurance is the combination of individual contributions, collective subsidies and government subsidies.

In particular, the central government subsidizes local governments, which directly subsidizes farmers. I think it is another important policy to benefit farmers after the abolition of agricultural tax, direct agricultural subsidy and new rural cooperative medical care.

Second, the old rural insurance mainly establishes farmers' accounts, while the new rural insurance has two parts: one is the basic pension, and the other is the personal account pension. The basic pension is fully guaranteed by the state finance.

In other words, all farmers in China will enjoy the national universal pension after the age of 60. Of course, the new rural insurance policy will be gradually pushed forward after being perfected through the pilot, which does not mean that everyone will receive money from tomorrow.

Yuxincheng daily

Difference 1: time of system implementation

The new rural social endowment insurance was implemented from 20 10 10 1; Social endowment insurance for urban residents was implemented from July 20 1 1 year to July 1 year.

Difference 2: conditions for participation in insurance

According to Article 5 ofNo. [20 10] 187, all rural residents who have rural household registration in this county, have reached the age of 16 (excluding school students) and have not participated in the basic old-age insurance for urban workers can participate in the new rural insurance;

According to the first paragraph of Article 2 ofNo. [20 1 1]No. 156 issued by the four governments, the social endowment insurance for urban residents is for non-employed urban residents who have household registration in the county, are over 16 years old (excluding students at school) and do not meet the basic endowment insurance conditions for employees. [ 1]

Difference 3: payment level

The payment standard of the new rural insurance insured is set at 100 yuan per year, which is divided into 8 grades in 200 yuan, 300 yuan, 400 yuan, 500 yuan, 600 yuan, 700 yuan and 800 yuan.

The payment standards for urban residents to participate in social endowment insurance are set at 100 yuan, 200 yuan, 300 yuan, 400 yuan, 500 yuan, 600 yuan, 700 yuan, 800 yuan, 900 yuan, 1000 yuan, 1200 yuan, 1600 yuan and1per year. Both types of insured persons pay their own fees by choosing their own grades. If they pay more, they will be paid in one lump sum within a natural year after the payment grades are determined. [ 1]

Difference 4: government subsidies to special groups

New rural insurance:

(1) The severely disabled persons who belong to Grade II or above (including Grade II) and participate in rural social endowment insurance shall be withheld and remitted by the county-level finance according to 50% of the minimum payment grade, and the severely disabled persons who enjoy the minimum living allowance in rural areas (Grade II or above) shall be paid in full by the county-level people's government according to the minimum personal payment grade standard;

(2) The rural residents of one-child households and two female ligation households pay insurance premiums, and the county people's government will subsidize them at the lowest level of 10%;

(3) During the period of compulsory military service, the county people's government shall pay in full according to the lowest level of individual contributions.

Urban residential insurance: ① The county government pays 50% of the minimum payment level for the severely disabled and multi-disabled insured persons who enjoy the urban subsistence allowance, and the county people's government pays the full amount for the severely disabled (above Grade II) and multi-disabled insured persons who enjoy the urban subsistence allowance.

(two) the one-child households of urban residents to pay insurance premiums, the county people's government in accordance with the lowest grade 10% to give subsidies;

(3) During the period of compulsory military service, the county people's government shall pay in full according to the lowest level of individual contributions.

Urban residents will cancel the government subsidy policy for two female ligation households to participate in insurance, and all special people will be certified with the main documents (my documents need to be reissued in the corresponding departments if they are lost), and those without documents will not be recognized. The county civil affairs bureau provides proof materials for the insured and severely disabled conscripts during their active service.

Baidu Encyclopedia: New Rural Endowment Insurance

Is there a difference between paying 100 yuan for rural social security and 1000 yuan for retirement? -Therefore, the country implemented the basic pension system in 2009, that is, the rural population over 60 years old can get the living allowance of 55 yuan every month, and farmers under 60 years old can participate in the new rural insurance. The specific policies are as follows: According to the different income of farmers, two grades of 12 have been formulated. ...

Is there a difference between paying 100 yuan for rural social security and receiving 1000 yuan for pension? -:Rural endowment insurance shall be paid in the same order.

How much can rural old-age insurance be paid 100 a year and 15 years? You should be able to get more than 1000 a year, which is the lowest grade. If economic conditions permit, you can choose a higher-grade pension insurance, and the subsidy may be better in the future. ....

Recently, rural social security is paid in one year 100, and how much will be paid in the future-:rural social security is paid in one year 100. After paying 15 years, after reaching the age of 60, you can receive a monthly pension. 80 yuan, those who have reached the age of 70 100 yuan, those who have reached the age of 80 120 yuan. Pay special attention. ...

What's the difference between paying 100 and paying 500 per year for agricultural insurance -: 100 and 500 is the amount of personal account in the future. After the age of 60, you will receive a pension =55+ (individual contributions+provincial subsidies+city and county subsidies+interest) ÷ 139 The difference between individual contributions here is that how much subsidies you have to pay each year depends on the regulations of the local government.

What is the difference between rural social security payment 100 and 500 per year? -:According to the principle of paying more and getting more, if you pay more, you will receive more pensions every month after you reach the age of 60. ....

The annual payment of rural social security is 100 yuan. How much can I get when I am old? -:Not much, don't expect too much. Pay 100 yuan a year, even if you pay for 40 years, it will only be 4000 yuan. In the end, it will be tens of dollars, which is not enough for your daily necessities.

Rural social security, if I choose to pay 100 every year, how much does the government subsidize-:(The government subsidizes 30 yuan every share. At present, the basic pension is in 55 yuan, and I believe it will be improved according to the economic situation in some places in the future.) Add the total amount paid by you personally, and there will be a calculation formula to calculate how much pension you can get when you retire.

What is the rural social security of one year 100 yuan? -:The agricultural registered population cannot apply for self-paid social security, but can only buy new rural insurance and medical insurance. The annual payment base of 100 yuan to 500 yuan is different. The longer the payment period, the more payment. When you reach the legal retirement age, the more pension you will get. The difference between 100 and 500 is the future personal account deposit. After the age of 60, receive a pension =55+ (individual contributions+provincial subsidies+city and county subsidies+interest) ÷ 139. The difference between personal contribution here is how much you give each year. Generally, if you pay 500 yuan, the three subsidies add up to about 70~80 yuan per year.