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In modern society, pension insurance is a highly valued social security policy, in order to ensure the quality of life and social security of the elderly, many countries have formulated corresponding policies to encourage people to participate in pension insurance. However, there are still cases where some people do not pay pension insurance in time for a certain period of time, which raises many questions and concerns.
Recently, some netizens shared a question: his parents are farmers born in 1963, have not participated in pension insurance, do they still have the opportunity to enjoy pension benefits? This issue is not unique, so it is worth exploring it in depth. In this process, we will learn some key details of the pension insurance policy and the benefits that can be obtained by making a one-time supplementary payment for 15 years.
First of all, it is worth noting that urban and rural residents' pension insurance is a relatively late policy. According to the policy, the pension age for farmers is generally 60 years old, which applies to farmers born in 1963. If the farmer chooses to make a one-time supplementary payment for 15 years of pension insurance, then in 2023, there is an opportunity to start receiving pensions. Of course, if they are farmers born after 1963, they can also choose to make a lump sum supplementary payment, but they need to wait until they reach the age of 60 to start receiving pensions.
Next, let's explore the specific amount that can be obtained by paying a one-time supplementary 15-year pension insurance. It should be noted that the payment grade of urban and rural residents' pension insurance varies greatly, with the lowest being 200 yuan or 300 yuan and the highest reaching tens of thousands of yuan. There are also large differences in the payment standards of different places, and the gap can reach 10 times or even dozens of times. Therefore, the choice of which contribution grade will directly affect the level of the later pension.
Taking Shandong Province as an example, the minimum pension insurance payment grade in the region is 100 yuan and the highest is 8,000 yuan, a gap of 80 times. If a farmer chooses to pay 500 yuan a year and has never participated in pension insurance before, then a one-time supplementary payment for 15 years will require a total payment of 7,500 yuan. It should be noted that supplementary payment of pension insurance fees cannot enjoy government subsidies. Compared with the normal annual payment, regular contributors can receive a subsidy of at least 60 yuan, while those who choose to make a one-time supplementary payment cannot enjoy this discount.
For a 60-year-old farmer, their pension is paid for 139 months. Therefore, if the balance of the personal account pension is 7500 yuan, then the monthly personal account pension will be 7500/139≈54 yuan. In addition, the pension of urban and rural residents consists of two parts: basic pension and personal account pension. The basic pension is issued by various regions according to a fixed amount, and the basic pension standard varies greatly in different regions. For example, Shanghai's basic pension standard reached 1,300 yuan, while Beijing's was 887 yuan, while Shandong's minimum basic pension standard was 160 yuan. Therefore, for this farmer in Shandong, the total pension he can receive is 54 yuan + 160 yuan = 214 yuan. If he is located in Qingdao, then the basic pension will reach 210 yuan, and the total pension is 54 yuan + 210 yuan = 264 yuan.
If farmers choose to pay according to the grade of 8,000 yuan and make a one-time supplementary payment for 15 years, they need to pay a total of 120,000 yuan. According to the above calculation formula, the personal account pension will be 120,000 yuan/139≈863 yuan. Together with the minimum basic pension of 160 yuan, the total pension is 863 yuan + 160 yuan = 1023 yuan. If he is located in Qingdao, the total pension will be 863 yuan + 210 yuan = 1073 yuan. This level is relatively high, which can provide a certain guarantee for the pension life of farmers.
To sum up, for farmers born in 1963, after reaching the age of 60 in 2023, it is feasible to choose to pay a one-time supplementary 15-year pension insurance. However, the amount of pension that can ultimately be received will depend on the choice of contribution grade. For those farmers who choose a lower grade, the pension may only be one or two hundred yuan, while the farmers who choose the higher grade can get a pension of more than several hundred yuan. Therefore, it is recommended that people who follow this information can consider conveying this important information to their families to ensure the quality and safety of old age. After all, pension insurance is to allow the elderly to enjoy their old age and live a happy life.
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