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In 2023, the issue of pension insurance has sparked extensive discussions. One of the questions that farmers are concerned about is, what is the payment standard for pension insurance? In fact, endowment insurance is divided into two types: resident endowment insurance and employee endowment insurance, and the payment standards are different in different regions. In this article, we will explore the concerns of our farmers and gradually unravel the mysteries.
First of all, let's understand the payment standard of pension insurance. In 2023, the types of pension insurance that farmers participate in are different, and the payment standards are also different. Most of the farmer friends choose to participate in the resident pension insurance, according to the regulations, they only need to pay once a year. The payment grade in different regions is different, ranging from 200 yuan to thousands of yuan, which can be selected according to the actual situation of the individual. If farmers participate in employee pension insurance, the payment standard will depend on the regulations of the location. For example, for farmers who work in companies or units, the contribution standard of pension insurance is usually determined based on the average salary of the previous year. If the average salary is lower or higher than the upper and lower limits of the local pension contribution base, the contribution standard will be paid according to the minimum and maximum contribution base. If the average salary is within the upper and lower limits of the base, the contribution rate will be determined on the basis of the average salary. In addition, flexible workers in some regions can determine their own contribution standards, and only need to choose within the local contribution base.
Therefore, it can be seen that the different locations of farmers' friends will lead to different payment standards for pension insurance. This diversity makes it necessary to determine the contribution standards of pension insurance on a case-by-case basis.
Next, let's answer a common question: what conditions do 60-year-old farmers need to meet to pay 30,000 yuan at one time? First of all, it should be pointed out that the pension insurance that can be paid in one lump sum usually refers to the resident pension insurance. In 2023, when farmers go through the retirement procedures, if they find that the payment period is insufficient, they can make supplementary payments. However, for farmers who pay employee pension insurance, supplementary payment of pension insurance must meet certain conditions.
Specifically, if a farmer friend who pays the employee pension insurance pays through the company or unit, and the company or unit has the outstanding part during the work, then the insured person has the right to pay the pension insurance through the company or unit. However, it should be noted that only the outstanding part of the company or unit can be paid back, and the pension insurance at other times cannot be paid back.
Therefore, in most cases, the peasant friends who can make a one-time supplementary payment of 30,000 yuan refer to those who participate in the domestic pension insurance. In this case, the conditions for supplementary payment of pension insurance are relatively relaxed, and as long as there is a gap in the number of years of payment, supplementary payment can be considered.
Next, let's answer a more specific question: can I receive a pension of 1,100 yuan the next month by paying 30,000 yuan at one time? This question relates to how pensions are calculated. Most farmers choose to participate in resident pension insurance, so the calculation of pension is also carried out in accordance with the provisions of resident pension insurance.
Assuming that a farmer friend pays a one-time supplementary pension insurance of 30,000 yuan, and the balance of the personal account reaches 35,000 yuan, the personal account pension will be about 252 yuan. However, to receive a pension of 1100 yuan, you also need to consider the basic pension of local residents. At present, the basic pension standards of residents in various places are different, and the basic pension of residents in most regions is less than 300 yuan. Only a few regions have a basic pension of 848 yuan or more, and this standard has only been achieved in Beijing and Shanghai.
Therefore, a farmer friend who makes a one-time supplementary payment of 30,000 yuan will find it difficult to receive a pension of 1,100 yuan the following month unless the retirement place is in Beijing or Shanghai. The actual amount of pension will be affected by the basic pension standard of residents.
Finally, let's explore whether farmers' supplementary contributions to pension insurance have advantages. According to local regulations, if farmers choose to pay supplementary pension insurance when going through retirement procedures, the number of years of supplementary payment usually does not receive payment subsidies. In addition, the amount of the contribution subsidy also depends on the payment grade chosen by the insured person, generally speaking, the payment bracket
The higher the second, the more contribution subsidy. The annual contribution subsidy is transferred to the individual account and calculated in the pension after the retirement procedure. Therefore, a one-time supplementary payment of pension insurance does not have many advantages for farmers to speak of.
To sum up, in 2023, the payment standard of pension insurance will vary from region to region, and farmers need to determine the payment standard according to the specific regulations of the location. The one-time supplementary payment of 30,000 yuan is usually applicable to farmers who participate in resident pension insurance, and the amount of pension will be affected by the basic pension standard of local residents. In addition, supplementary contributions to pension insurance do not have many advantages, because the number of years of supplementary contributions usually does not receive contribution subsidies.
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