Recently, the news of the basic pension of urban and rural residents of **20 yuan has spread far and wide, which immediately triggered a great heated discussion among netizens, and the level of 20 yuan directly means that the farmer's pension is suddenly **194%, which can be described as a very pleasant surprise and surprise.
Speaking of pensions, everyone hopes to have a stable income to meet their basic life in their old age.
Obviously, a pension is the safest way to do it.
Pension has long been not the "patent" of urban people, even if it is a rural friend, the income is lower, you can also have a stable pension, this is the quality of life of the guarantee, but also the original intention of urban and rural residents pension setting.
Is it the same thing for the pension of urban and rural residents for a while, and the pension for farmers for a while?
In fact, the peasant pension we are talking about is the pension of urban and rural residents, from the former agricultural insurance, the new rural insurance to the merger of urban residential insurance, and finally become the urban and rural residents to report insurance, including a wider range of people, but also more beneficial.
Why can the farmer's pension be **19 all of a suddenWhat about 4%? What is the difference with employee social security, and how to choose as an insured?
Here's why:
First of all, we must understand that the farmer's pension is also composed of the basic pension and the personal account pension, the personal account pension is the total amount of money paid by the individual, plus a certain amount of subsidies and then divided by the number of months 139 months.
It is worth noting that there are two points, first, the farmer's pension does not set up a co-ordination account, that is to say, all the money paid by individuals is accounted for in their own personal accounts, which is different from the social security of employees.
Second, if the farmer's pension insurance retires, men and women are the same age, both are 60 years old, so it is said that it is calculated and paid according to 139 months, which is also different from the social security of employees.
The basic pension is that the state will promulgate a minimum pension standard, for example, this year after the first 20 yuan, the minimum standard is 118 yuan, and each region can set a basic pension higher than this number according to its own economic situation on this basis.
Therefore, there are large local differences in the level of basic pension for urban and rural residents in various regions.
In the above table, we can see that the level of Shanghai can be said to be far ahead of 1,400 yuan, far exceeding the level of other regions, and of course, far exceeding the national minimum level.
SoIn other words, in general, the **20 yuan is a large range, an increase of nearly 20%, which is also a care for farmers.
What is the difference between the farmer's pension and the pension of enterprise employees?
In addition to the above-mentioned farmers' pensions do not have a pooled account, men and women retire at the same age, and the difference with the pension of enterprise employees is also reflectedThe amount of monthly contributions, the importance of length of service and the formula for calculating pensions.
The principle of China's social insurance system is that if you pay more, you will get more, and if you pay more for a long time, you will get more. Whether it is urban and rural residents' pension insurance or enterprise employee pension insurance, all belong to the basic system of China's pension insurance, so the staff pension insurance payment is more, the leadership pension is also more, the current national pension average level is about 3,000 yuan.
The pension of peasant friends is relatively low, and the average pension level may be two or three hundred yuan.
There is an important factor in the pension insurance of enterprise employees, that is, the length of service, that is, the number of years we often say, not only participate in the calculation of the pension and the pension is directly linked, but also reflected in the pension.
In the pension of farmers, the length of service mainly affects the calculation of the pension, but it does not affect the pension.
Of course, the calculation formula of the pension is also different, the pension of enterprise employees is not only related to the local average salary, but also has a great relationship with their own length of service and contributions, but the pension of farmers is not the same, and their own contributions and the local minimum basic pension standard is related.
If the pension insurance for enterprise employees is called a high-end mobile phone, then the pension insurance of farmers is equivalent to a low-level version. If recommended, I hope that friends with economic strength will try to choose enterprise employee pension insurance. What do you think? How do you choose?