Time came to March, recently Changsha, Hunan Province increased the basic pension of urban and rural residents by 10 yuan, Sichuan is also in the 2024 people's livelihood plan, mentioning the issue of pension distribution for urban and rural residents, and many regions have recently begun to start the payment of urban and rural residents' pension insurance, and then Heze City, Shandong Province recently issued a reminder to allow urban and rural residents to participate in pension insuranceSupplementary payment of pension insurance premiums for the second time, noteworthy.
From: Heze**.
Many farmer friends are very concerned, can the farmer's pension insurance be paid at one time in 2024? Can I receive a monthly pension of 1,688 yuan if I make a one-time payment of 40,000 yuan? How is it calculated? Let's take a look.
First of all, there are about 300 million people in China who receive pensions, of which 1About 300 million urban workers, 1About 700 million are urban and rural residents, and according to the public data of "Qiushi.com", the per capita pension of farmers in 2021 will be 179 yuan per month, which is relatively low.
Farmers pay for 15 years, 60 years old can receive a monthly pension, and many areas are retained the "one-time payment" policy, this is not the same as the employee pension, if the farmer pays 40,000 yuan at one time, and then the pension can be received for life, if there is 1688 yuan per month, it is still very cost-effective.
Let's take a look at the calculation, the pension of urban and rural residents is made up ofBasic pension and personal account pensionThe two parts are composed of, if you make a one-time payment of 40,000 yuan, all of them will be credited to the personal account, 40,000 139 = about 288 yuan, that is to say, the monthly personal account pension can receive 288 yuan.
1688 yuan - 288 yuan = 1400 yuan, which means that the basic pension part must reach 1400 yuan, but only Shanghai can reach the level of 1400 yuan, and the municipality Beijing is currently only 924 yuan, and then the basic pension of urban and rural residents in Shandong Province is 168 yuan.
Therefore, if you make up the payment in Shandong, then the monthly pension is only 168 + 288 =456 yuan, if you are in Kunshan, Jiangsu, you can get 288+695=/month per month983 yuan,If you pay 40,000 yuan in Changzhou, Jiangsu, you can receive 288 + 490 = every month778 yuan.
It can be seen that in 2024, the 60-year-old elderly in rural areas will pay 40,000 yuan at one time, and it is still challenging to receive 1,688 yuan the next month.
Many provinces are indeed still retained in 2024"One-time supplementary payment of pension insurance for urban and rural residents".Many welfare policies in places like Anhui can allow farmers to "raise the file and make up the payment".
New Rural Insurance. For example, this time Shandong Heze made it clear that urban and rural residents made up the payment for the second time, yesFor urban and rural residents over the age of 45 (excluding 45 years old), the cumulative payment period is not less than the remaining number of years from the actual age to the age of 60However, the cumulative payment period after the supplementary payment shall not exceed 15 years;
Those under the age of 45 (including 45 years old) shall pay the fee on an annual basis, and the cumulative payment period shall not be less than 15 years. For urban and rural residents who have paid contributions for more than 15 consecutive years (excluding the period of supplementary payment), a basic pension of 3 yuan per month will be added for every more than 1 year. The insured person shall pay the contribution on an annual basis. Farmers of who have reached the age of making supplementary payments are allowed to make supplementary payments, and the cumulative payment period after supplementary payment shall not exceed 15 years.
At present, the annual payment standard of pension insurance for urban and rural residents in Shandong is 8 yuan, and the relevant farmers can choose the grade according to the actual needs, and the mode of farmers' insurance payment in other provinces is also relatively similar, if the economic conditions allow, you can try to choose a higher grade to participate in the insurance.
In this way, after reaching the age of 60, the peasants' pensions will be higher.
Recently, Longnan City, Jiangxi, Xiamen, Fujian, Shandong, some parts of Jiangsu, etc., have issued reminders for the payment of pension insurance for urban and rural residents in 2024, so if you are allowed to pay one-time pension insurance premiums locally, then remember to seize the opportunity.
Because many farmers did not understand the relevant matters of pension insurance contributions in the early years, a situation like that of Heze in Shandong Province gave a valuable opportunity for "remediation".
In 2024, 60-year-olds in rural areas will pay 40,000 yuan at one time, and whether they can receive 1,688 yuan in the next month depends on your local situation.
What do you think about this? Are you willing to make a lump sum payment? If you have any other questions, please feel free to ask them in the comment area.