Buying the most high-end rural social security, how much money will you have a month after 15 years of payment? Not as low as the city
Netizen one:
As a rural resident, it is impossible to buy enterprise employee endowment insurance, and generally choose to buy urban and rural residents endowment insurance (commonly known as New Rural Insurance).
The payment grades range from 100 yuan to 3,000 yuan. If you choose the payment grade, you can pay the highest annual insurance premium of 3,000 yuan. If you pay for the full fifteen years, you will receive a monthly pension when you reach the retirement age. : Basic pension of state and local financial subsidies + (45,000 yuan + and its interest) / 139 yuan.
Because the basic pensions vary from place to place, the calculation of the pensions you pay is unified, and the local subsidy standard can finally determine how much you can receive!
In general, the basic pensions in big cities are high, and among them, Beijing should be the highest at present, which is incomparable to the rural areas of our small counties.
Buying the most high-end rural social security, how much money will you have a month after 15 years of payment? Not as low as the city
Netizen two:
The "New Rural Insurance" has been implemented since October 1, 2010, and the payment standard is set to 8 grades of 100 yuan, 200 yuan, 300 yuan, 400 yuan, 500 yuan, 600 yuan, 700 yuan, and 800 yuan per year (the local government may The payment level is adjusted in real time according to local conditions).
The insured can choose the level of payment according to their own income level and family economic situation, and the more they pay, the more they will get. Within a calendar year, after the payment level is determined, the payment will be made in one lump sum.
The New Rural Insurance Fund consists of three parts: individual contributions, collective subsidies, and government subsidies. According to the different payment grades of the insured, the minimum subsidy is 45 yuan to 65 yuan per person per year. The annual subsidy standard for each person is: pay 100 yuan to make up 45 yuan; pay 200 yuan to make up 50 yuan; pay 300 yuan to make up 55 yuan; Pay 400 yuan to make up 60 yuan; pay 500 yuan and above to make up 65 yuan.
According to the highest level of payment, that is, 800 yuan a year, 15 years, a total of 12,000 yuan. Calculated according to the annual interest rate of 3.25%, if you save it for 15 years, the interest will be about 3120 yuan.
Basic pension = 55 (basic pension) + [15 × 800 (total personal contributions) + 65 × 15 (financial subsidy) + 3120 (stored interest)] ÷ 139 (monthly payment) = 170.79 yuan.
If you start to pay pension insurance from the age of 45 and continue to pay for 15 years, you can receive a pension of about 2049.5 yuan per year after the age of 60.
Due to the large gap in the level of economic development in various regions, some economically developed regions will also provide much more subsidies for farmers to participate in insurance. The basic pension stipulated by the government is 55 yuan. The Beijing area has risen to 280 yuan, and other areas have also risen to a certain extent. Therefore, farmers pay at the level of 800 yuan per year, and the actual payment after the age of 60 will be higher than 170.79 yuan.
Netizen three:
The endowment insurance for urban and rural residents is coordinated at the county level, and registration can be done at the village committee.
According to the current annual payment of up to 3,000 yuan, due to the different subsidy standards in different places, the payment is more and the subsidy is high. Based on the annual subsidy of 300 yuan, the total payment for 15 years is 45,000 yuan, the subsidy is 4,500 yuan, and the payment and subsidy total 49,500 yuan.
After the age of 60, there are three types of benefits: individual account pension, central financial subsidies and county-level financial subsidies. The calculation method of the personal account pension is to divide the personal account funds (including self-payment, subsidies at all levels, and interest generated) by 139.
If you pay according to the above, the personal account pension is about 356 yuan (interest is not calculated). At present, the central government subsidy is 70 yuan per month, and the county-level financial subsidy ranges from 5 yuan to 200 yuan, or even higher (for the time being, 70 yuan). You can get back the money you paid within a year, and continue to pay it until your death.
For specifics, please check with your local area for detailed local policies.
Buying the most high-end rural social security, how much money will you have a month after 15 years of payment? Not as low as the city
Netizen four:
Social insurance is referred to as social insurance, which includes five insurances, such as pension, medical care, unemployment, work injury, and maternity insurance.
As far as I know, taking the implementation of Guangdong Province as an example, since August 2014, urban and rural residential insurance has been integrated with the new rural insurance and urban residential insurance, and it is a subsidy supported by the government. There are ten levels of insurance payment methods. There are 120, 240, 360, 480, 600, 960, 1200, 1800, 2400, 3600 yuan respectively. For those who choose the standard payment of less than 360 yuan per year, the government subsidy is 30 yuan per year; for those who choose the standard payment of more than 480 yuan per year, the government subsidy is 60 yuan per year.
For example: If Zhang San is 50 years old and chooses the highest standard payment of 3,600 yuan, and makes a one-time payment in 15 years, when he reaches the age of 60, after Zhang San retires, how much pension can he receive every month?
Calculation: urban and rural residential insurance monthly pension benefits = basic pension + personal account pension; for example, the basic pension in July 2016 is 110 yuan, and the retirement coefficient at the age of 60 is 139. Apply the formula: monthly pension=110+(3600+60)x15÷139=504.96 yuan.
To sum up, Zhang San is 50 years old and participates in urban and rural residential insurance. He chooses to pay a maximum of 3,600 yuan a year, and pays a one-time payment for 15 years. After retirement, Zhang San will receive a monthly pension of 504.96 yuan and enjoy lifelong benefits.
Netizen five:
With the continuous development and progress of the economy, the state also pays special attention to retirees, and has also increased investment in rural pension issues. From "raising children to protect the elderly" to "new rural cooperative pensions", the state has issued a one-time policy for people in the transitional stage to retire. supplementary pension policy,
For men over 45 years old and women over 40 years old, the repayment period is self-determined but not more than 10 years; for men over 60 years old and women over 55 years old, they can make a one-time supplementary payment for 15 years. One-time supplementary payment for 15 years, how long will it take to pay back the principal? Take some areas in Shandong as an example: 6,295.2 yuan is required for supplementary payment for 1 year, and 94,428 yuan is required for supplementary payment for 15 years.
According to the monthly retirement income of 800 yuan, it takes 9.8 years to realize the original supplementary payment, that is, if you start to receive pensions at the age of 60, you will not be able to repay the principal until the age of 70. This is more ideal, excluding interest and pensions. On the premise that the payment will not be raised.
Netizen Six:
A lot of people ask how much money they can get in the future before they buy social security …… .
Because society is developing rapidly with each passing day, none of us can speculate on the changes in social security in 15 years, and we can only wish that the social welfare will become better tomorrow.
Before paying social security or agricultural insurance, you must think clearly that social security is a basic guarantee for your future life, not a simple question of how much you invest and how much you enjoy.
Because everyone's fate is different, some people are often sick or seriously ill, so medical insurance is very important to them; some people live a long life, so the pension they receive far exceeds the amount of their contributions.