How much can residents' old-age insurance pay? Residents' old-age insurance follows the principle of paying more and getting more. It is suggested that you choose the standard with high payment grade as far as possible when conditions permit. We take 300 yuan, the lowest payment grade, and 5,000 yuan, the highest payment grade, as examples. According to the current basic pension standard, we ignore the interest income of personal accounts and calculate an account for everyone:
Example 1: the insured chooses to pay 300 yuan every year, and the accumulated payment is 15 years. When he is 60 years old, the money he can get every year: [(300+40) ×15 ÷139+160 ]×12 =
Example 2: The insured chooses to pay 5000 yuan per year, and the cumulative payment is 15 years. When he is 60 years old, the money he can get every year is [(5000+100) ×15 ÷139+160 ]× 65438.
It should be reminded that the above algorithm does not consider interest income and basic pension adjustment factors, but only makes a rough calculation, and the treatment received at that time will only be higher than this.
Benefit 2: The government investment far exceeds the personal expenditure, so the payment will be subsidized, and the basic pension will be borne by the government, and the treatment will be improved.
300 yuan subsidizes 40 yuan, 500 yuan, 600 yuan, 60 yuan, 800 yuan 1000 yuan 1500 yuan, 80 yuan, 2500 yuan,, 85 yuan, 3000 yuan, 90 yuan, 4000 yuan, 95 yuan, 5000 yuan 100 yuan. The insured person can enjoy the corresponding standard payment subsidy when paying in the current year.
When the residents' old-age insurance policy is implemented (subject to the actual time of each district and county), those who have reached the age of 60 and have not participated in other social insurance can directly receive the basic pension issued by the financial departments at all levels without paying fees after registering for insurance. Up to now, our city has raised the basic pension standard of residents' old-age insurance for the first time 10. With the development of economy and society, the pension benefits of residents will be improved year by year.
Some insured people will ask, the economic conditions are average, they have to pay fees every year, and it is still early to retire. Isn't it a disadvantage? In fact, there is no loss at all. Although the insured person has to pay the fee every year, the government's investment far exceeds everyone's expenditure, and the money subsidized by the state can be compared with that provided by individuals in Qian Duoduo. After all these years, the insured only needs to pay a few thousand yuan, and the treatment after retirement will be much more than that paid by the individual before. If you only rely on deposit interest or financial management, it is difficult to get the same amount of treatment after retirement. Generally speaking, most or even most of the individual retirement benefits of the residents' old-age insured are government subsidies. Isn't it beautiful? It can be said that participating in insurance is earning.
Benefit 3: The threshold for participation in insurance is low and there are many preferential policies. There is a one-time payment policy for some people.
As long as they are over 16 years old (excluding students in school) and have not participated in other social endowment insurance, they can participate in the resident endowment insurance at the place where they are registered in our city.
In addition, when the basic old-age insurance system for residents is implemented, the insured persons over 45 years old and under 60 years old are allowed to pay in one lump sum, and the annual payment and accumulated payment period shall not be less than the remaining years from the actual age to 60 years old, but the accumulated payment period after payment shall not exceed 15.
For example, when the policy is implemented, Zhang's 50-year-old and 50-60-year-old contributions must be paid in full. If it is not paid in full, it must be supplemented before receiving benefits, that is, Zhang Can receives benefits at the age of 60 and has paid 1 1 year. In addition, if Zhang wants to repay, he is allowed to repay, but the accumulated payment period after repayment shall not exceed 15 years.
Benefit 4: Residents' pension benefits can be paid for life, and the insured person can receive funeral subsidies after his death, and the funds in personal accounts can be inherited.
Residents who have reached the age of 60 and are insured according to the regulations and have not received the basic old-age insurance benefits stipulated by the state can receive the old-age insurance benefits for residents on a monthly basis and enjoy lifelong payment.
If the recipient of the pension insurance benefits dies, the relevant personnel may cancel the registration of the residents' pension insurance after the death of the recipient, and receive a funeral subsidy of 1000 yuan at one time after going through the formalities, and the fund balance in his personal account can be inherited according to law.
Have you ever seen an investment with little personal investment, low insurance threshold, almost zero risk and a yield far higher than the cost in your daily life? Only state-supported social insurance can do this, which is the most cost-effective guarantee for personal investment. There is no loss in participating in insurance, remember to pay in time! If parents at home don't understand, children must remember to pay this account to our parents, give them peace of mind and help them spend a happy old age.