With the increasing aging of the population, the number of elderly people over the age of 60 in China has reached nearly 1 5 of the total number. Among them, the total population of the elderly in rural areas has also continued to break through, and in order to ensure the pension and life of such elderly people, the state has further deepened the pension system. In rural areas, whether some people over 60 years old can directly receive a basic pension, this article will take you to find out the truth!
The rural pension system is mainly based on the New Rural Cooperative Medical System and social security for urban residents
Since 2006, there have been new changes in China's rural pension system, and the form of participation in social security in rural areas is mainly based on the New Rural Cooperative Medical System and urban residents' social security. With the continuous development of urbanization, more and more rural people have begun to pour into the cities, and they have become urban hukou. Of course, there are also some farmers who live in rural areas all year round, and their social security contributions are mainly in the form of NCMS, which pays a total of 380 to 460 yuan per year.
The social security of urban residents is mainly the unemployed residents living in urban areas, who use a combination of social pooling and personal accounts to pay social security. The social security fees paid by this type are relatively higher than those of the NCMS, and the corresponding pension and medical service policies that can be received after retirement will be relatively better. The two ways of social security payment, the New Rural Cooperative Medical System and the social security of urban residents, together constitute the rural pension system, and it is the combination of these two systems that enables the rural population in rural areas and those who have relocated to cities and towns to enjoy the corresponding social security.
Can the elderly over the age of 60 in rural areas directly receive the basic pension?It depends on whether you pay it or not!
For rural areas, the official explanation for whether the elderly over 60 years old can directly receive the basic pension is that they need to pay a certain foundation. If the elderly over the age of 60 have paid social security for themselves by paying the NCMS before this, then they can meet certain conditions and receive a certain amount of pension expenses every month after the age of 60.
In terms of the pension conditions for receiving NCMS social security, three conditions need to be met, one of which is to meet the age of 60 years old, the second is to ensure that the NCMS social security payment has been completed for 15 years, and the third is for those who have gone through the pension procedures. Judging from the three conditions given above, if the elderly over 60 years old who have not paid the NCMS social security are unable to receive the basic pension.
Social insurance is a basic social system, which requires the payer to make the corresponding investment in the early stage, and then generate a certain amount of income to be issued, which is used after retirement. If you do not pay the 15th anniversary by law before the age of 60, you will not be able to enjoy the benefits of this policy.
Supplement the payment of pension insurance and enjoy the due protection legally
Elderly people over the age of 60 in rural areas may not be able to pay the 15th anniversary of social security before retirement due to imperfect social security policies. Therefore, in order to solve such problems, the state has given a corresponding solution, that is, to supplement the payment of pension insurance and legally enjoy the due social security.
Therefore, for the elderly in rural areas over the age of 60, if they are relatively financially abundant, they also want to enjoy social insurance and bring convenience to themselves, they can go to the social security center to supplement their pension insurance and make a one-time payment, so that they can legally enjoy the due treatment after retirement.
For some elderly people over the age of 60 who supplement the payment of social insurance, the state has also launched a series of subsidy policies, which can also be filled in according to their actual situation, and can obtain adequate social security on this basis.
The elderly who have not made social security contributions can obtain protection in the following ways
For some rural people over the age of 60 who have not paid social security, how can their later life be guaranteed?The first is through the support of children, in the clear provisions of China's law, children should consciously undertake the legal support of the elderly over 60 years old, and the elderly over 60 years old can negotiate and communicate with their children, and strive to be able to get the financial and emotional support of their children, and do a good job of taking care of life.
For some rural elderly people who have not paid social security, they can also rely on the savings accumulated from their past work to continue to live, so they need to save some money in the process of previous work, so that they can better enjoy life after retirement and are not tight on money. In the use of money, you must be able to make careful calculations, and if necessary, you can reduce your living standards to protect your old age.
In recent years, with the further opening up of China's pension policy, the continuous relaxation of the policy, the various village and social departments, have also actively carried out assistance activities on the elderly, and the elderly in rural areas over the age of 60 can make full use of such resources to protect their pension.
All in all, for the elderly in rural areas over the age of 60, if they do not pay social security, they will not be able to receive the corresponding pension after retirement. However, the above remedies can also be used to make timely supplementary contributions to the pension, so that they can enjoy the corresponding rights and interests after retirement.