The new rural insurance is the basic old-age insurance for urban and rural residents, which is a social insurance system that mainly provides old-age security for rural residents and urban unemployed people. This is definitely a risk-free investment, with individual contributions, ** subsidies are all credited to personal accounts. When the insured person reaches the statutory retirement age, he or she can receive a pension. Pay more, pay less.
You can choose the payment grade according to your own economic conditions: When choosing the payment grade, you must first consider your own economic conditions. If the economic conditions allow, you can choose a higher contribution grade to get a better pension treatment. On the contrary, if the financial conditions are limited, you can choose a lower payment level to reduce the financial pressure.
Suppose the pensioner unfortunately dies and the money in the personal account is not paid, this is also a real problem, and we can't help but think so. After all, it's been 15 years, which is a lot of money.
What to do? Don't be afraid, the state has thought of it a long time ago. We know that rural endowment insurance, like urban endowment insurance, contains two components, that is, basic accounts and personal accounts. Then the part of the personal account, the family of the deceased can be legally inherited.
Then the pension that the family of the deceased can get is the full principal and interest of the deceased's personal account. If the deceased dies due to illness or non-work-related reasons, his family can receive funeral subsidies and pensions, which are taken out of the basic pension insurance**. All amounts are paid in a lump sum to dependents.
The new rural insurance is definitely a benefit given by the state to the insured, even if you live to the age of 100, regardless of whether you have money in your account or not, the pension will be issued. If you don't participate in the insurance, you won't be able to enjoy this benefit, and you will definitely suffer a big loss. Therefore, the new rural insurance is an investment that only makes money and does not lose money!