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With the intensification of the aging population in the mainland, the issue of old-age care has attracted more and more attention from the society. Especially for farmers, their level of old-age security is relatively low, and many farmers do not participate in the old-age insurance for urban and rural residents, or the number of years of insurance is not enough, resulting in difficulties in life after retirement.
Specifically, can a 60-year-old peasant receive 1,000 yuan a month if he makes a one-time supplementary payment of 60,000 yuan? This is the question to be discussed in this article.
1. Conditions and methods for one-time supplementary payment of endowment insurance
First of all, we need to understand the conditions and methods of one-time supplementary payment of pension insurance. According to the law, farmers can voluntarily participate in the old-age insurance for urban and rural residents, and as long as they have paid contributions for 15 years before the statutory retirement age, they can receive a monthly pension after the age of 60.
Moreover, farmers can choose different payment grades, ranging from 100 yuan to 4,000 yuan per year, and the higher the payment, the higher the pension. If the farmer does not pay the fee on time, or the payment period is not enough, he can make a lump sum payment before the age of 60 to meet the 15-year requirement.
The method of one-time payment is to multiply the year of outstanding payment by the payment standard of the current year to obtain the amount of supplementary payment, and then pay it in one lump sum. For example, a 60-year-old farmer who has only paid for 5 years and pays 4,000 yuan per year, then he can make a one-time payment for 10 years, that is, 10 times 4,000 is equal to 40,000 yuan, and he can enjoy pension treatment.
2. The advantages and disadvantages of one-time supplementary payment of endowment insurance
Secondly, we need to analyze the advantages and disadvantages of one-time supplementary pension insurance. The advantage of one-time supplementary payment of endowment insurance is that it can allow farmers to have a certain source of income after retirement, relieve living pressure and improve the quality of life.
Moreover, the pension is received for life, and even if the money in the personal account is exhausted, it does not affect the payment of the basic pension. In addition, the cost of a one-time supplementary pension insurance contribution is relatively low, because the contribution standard is determined according to the level of the current year, not according to the level at the time of retirement, so you can save some money.
The disadvantage of the one-time supplementary payment of pension insurance is that the level of pension is relatively low and cannot fully meet the living needs of farmers, especially in the case of rising prices, the real purchasing power of pension will decline.
Moreover, the risk of one-time supplementary payment of pension insurance is relatively high, because the distribution of pension is dependent on the stability of the policy and financial support, if the policy changes or financial difficulties, the distribution of pension may be affected.
3. How much can I get per month for a one-time payment of 60,000 yuan?
Finally, we have to answer the core question of this article, that is, if a 60-year-old farmer pays 60,000 yuan at one time, can he receive 1,000 yuan a month? Because the farmer's pension consists of two parts, one is the personal account pension and the other is the basic pension.
The calculation formula of personal account pension is: personal account pension = (personal contribution amount + accumulated interest on personal account) ÷ number of months. The standard of basic pension is determined by each region according to the local economic and social development level and financial affordability, generally between 100 yuan and 200 yuan.
Taking 2023 as an example, assuming that a 60-year-old farmer makes a one-time payment of 60,000 yuan, which is equivalent to an annual payment of 4,000 yuan, then his personal account pension is: 60,000÷139 = 431.65 yuan. Assuming that the basic pension in his area is 150 yuan, then the monthly pension he can receive is: 431.65 + 150 = 581.65 yuan.
Obviously, this amount is much less than 1,000 yuan. If you want to reach the goal of receiving 1,000 yuan per month, then the amount that farmers need to make a one-time supplementary payment is: (1,000-150) multiplied by 139 = 118065 yuan, which is equivalent to 7,884.33 yuan per year, which is impossible in many areas. Therefore, we can conclude that a 60-year-old farmer cannot receive 1,000 yuan per month if he pays 60,000 yuan at one time.
epilogue
Through the above analysis, we can see that the one-time supplementary payment of pension insurance is a way to allow farmers to enjoy pension treatment, but it is not an ideal way, because its pension level is low, the risk is high, and it is not applicable to all farmers.
Therefore, we suggest that farmers should try to pay on time and annually when participating in the old-age insurance for urban and rural residents, and choose the payment grade that suits them to improve their pension level. At the same time, we also suggest that farmers should purchase some commercial pension insurance on the basis of participating in the pension insurance for urban and rural residents, so as to increase their own sources of old-age security and realize the diversification of pensions.
Only in this way can farmers enjoy a safe, comfortable and happy life after retirement.