If you choose to pay the new rural insurance every year, it will be paid according to the grade of 2,000 yuan. So how much is the monthly pension after retirement?We all know the new rural cooperative endowment insurance, it is divided into different payment grades, if you choose the standard of 2000 yuan per year, of course, there is no problem at all, but we want to calculate how much pension you can get after retirement, there is an important condition, you should also know that you are according to how many years to participate in the new rural insurance. For example, if you reach the age of 60 and the cumulative number of years is less than 15 years, then you also need to pay a one-time payment to complete the 15-year fee at the age of 60 before you can retire and enjoy the pension treatment of the new rural insurance on a monthly basis.
So we have to calculate the pension at least according to such a basic condition as 15 years. So if you pay rural endowment insurance for 15 years, then after 15 years, you will pay 2,000 yuan per year, and in fact, the total amount of your personal account will reach more than 30,000 yuan. Of course, we can divide the total amount of personal account of 30,000 yuan by the number of months corresponding to the age of 60 for 139 months. The result is about 215 yuan. Some people may not understand, why divide by 139 monthsThis is the number of months of pension accrual corresponding to the age of 60.
Because of participating in the new rural cooperative endowment insurance, that is, the endowment insurance for urban and rural residents, both men and women can retire until the age of 60. That is to say, 60 years old corresponds to the number of months of calculation and payment of 139 months, so whether it is a man, it must be divided by 139 months, and the final personal account pension is about 215 yuan. Of course not. Considering the corresponding subsidy treatment, in fact, even if the subsidy treatment is added together, it may be difficult for your final personal account pension to exceed 230 yuan in principle. So that's our personal account pension.
However, the pension of urban and rural residents, it is not simply composed of personal account pension, in addition to personal account pension, there is also a part of the pension is personal basic pension. The treatment of personal basic pension is different between each region, most of the country is less than 150 yuan, and a small number of cities and regions are higher than 150 yuan, for example, the level of personal basic pension in Shanghai will reach 1400 yuan in 2023 this year. Beijing has also reached more than 900 yuan this year. But except for such first-tier cities, most areas are less than 150 yuan.
Let's assume that it is calculated according to 150 yuan, plus the pension part of your personal account of 230 yuan. The final result is about 380 yuan, which may not reach 380 yuan in many areas, which is probably within the range of 350 yuan to 400 yuan. Therefore, this is the standard of 2,000 yuan per year to pay the new rural insurance, although the pension treatment that can be enjoyed every month after retirement is not very high, but the treatment of this rural pension, it can also ensure that it is paid on time and in full, and it can also ensure the quality of life, so it is still necessary to participate in the insurance.
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