The time came to the end of January, and the Spring Festival in 2024 is getting closer and closer, at this time, the pensions of urban and rural residents have changed again, and some places have begun a new round of basic pension rises for urban and rural residents. In this regard, urban and rural residents have consulted, urban and rural residents pay 40,000 yuan at one time, and receive 1,688 yuan a month, is it true? Is it cost-effective to make a supplementary payment? Let's take you to find out.
A one-time payment of 40,000 yuan is not a supplementary payment of employee pension insurance
According to the requirements of the detailed rules for the implementation of the Social Security Law, in addition to the fact that the employer should give the employee insurance but did not participate in the insurance, the employee pension insurance must be paid on an annual basis, and the social security payment period shall not be increased in violation of regulations through a one-time supplementary payment. Once the illegal social security supplementary payment is verified through the network, not only the supplementary payment procedures will be revoked and the illegal pension will be recovered, but also the relevant personnel will be held accountable according to the principle of who handles it, who approves it, and who is responsible. Therefore, a one-time supplementary payment of 40,000 yuan is not a supplementary payment of employee pension insurance.
In addition, if a one-time supplementary payment is allowed, then young and middle-aged people are reluctant to pay annually, which will lead to a deficit in the balance of the social security fund, and how to pay the pension of retirees?
In fact, a one-time supplementary payment of 40,000 yuan can only be a supplementary payment of urban and rural residents' pension insurance, because this kind of endowment insurance is a comprehensive guarantee, for the vast number of urban and rural residents who do not have a unit, among which the main insured personnel are our farmer friends.
At present, the pension insurance for urban and rural residents still retains a one-time supplementary payment policy, for example, the insured farmer Wang has not been insured before the age of 60, and he can make up for 15 years and 40,000 yuan at one time, and receive a pension the next month. In addition, some places have also introduced a one-time annual payment policy, such as Anhui Province allows insured farmers who have paid fees to make a one-time payment for the past low payment grade of the annual one-time file supplement. Assuming that the cumulative payment in previous years is 3,000 yuan (15 years, 200 yuan per year), and you want to receive a pension of 40,000 yuan when you reach the age of 60, then you can raise the file and pay 37,000 yuan at one time.
There are new changes in the pensions of urban and rural residents
Since January, the pension of urban and rural residents in many places has ushered in good news, raising the minimum standard of basic pension, such as Chizhou, Anhui Province, from 145 yuan per person per month to 165 yuan, Xiamen, Fujian Province, from 350 yuan to 370 yuan per person per month, Xianyang, Shaanxi Province, from 176 yuan to 188 yuan per person per month, and Changzhou, Jiangsu Province, increased by 40 yuan to 53 yuan to 490 yuan per month.
Urban and rural residents who have not yet risen their basic pension should not be in a hurry, because according to the Ministry of Human Resources and Social Security and the Ministry of Finance in 2018, the Ministry of Human Resources and Social Security and the Ministry of Finance announced in 2018 "Guiding Opinions on the Establishment of Basic Pension Insurance Benefits for Urban and Rural Residents and the Normal Adjustment Mechanism of Basic Pensions". Therefore, in my opinion, there will be more places in the follow-up that will usher in the rise of the basic pension, and we can rest assured that we will wait for the good news!
Make a one-time payment of 40,000 yuan, and receive 1,688 yuan a month
The pension of urban and rural residents is composed of basic pension and personal account pension, of which the basic pension standard is jointly determined by the state and the locality, which varies from place to place, and there is a large gap between different places. The pension standard of the personal account depends on the level and years of personal contributions, and has nothing to do with the locality, that is, the total amount of the personal account is divided by 139, reflecting the overpayment of the pension and the overpayment of the long-term pension.
For urban and rural residents' endowment insurance, a one-time payment of 40,000 yuan is allowed by the policy, then, personal account pension = 40,000÷139 = 288 yuan. Obviously, after the total amount of personal accounts is determined to be 40,000 yuan, the pension standard of this personal account is unified across the country.
Our urban and rural residents require a one-time payment of 40,000 yuan, a monthly receipt of 1,688 yuan, then the basic pension should reach 1,400 yuan, and the place that can reach 1,400 yuan of basic pension is only Shanghai, in other words, a one-time payment of 40,000 yuan, a monthly payment of 1,688 yuan, can only be in Shanghai, because the basic pension in other places is low.
For example, 929 yuan in Beijing, 518 yuan in Shenzhen, 307 yuan in Tianjin, 245 yuan in Tibet, 165 yuan in Anhui, 185 yuan in Ningxia, 138 yuan in Hebei, 128 yuan in Henan, 168 yuan in Shandong, 173 yuan in Jilin, 133 yuan in Guizhou, Sichuan, 131 yuan in Guangxi, etc., that is to say, a one-time payment of 40,000 yuan, in these places is far from reaching the standard of 1688 yuan.
According to the per capita pension of urban and rural residents, the national per capita basic pension is about 200 yuan, then, in most places, a one-time payment of 40,000 yuan, and a monthly pension of about 500 yuan.
Sum up
Since January, some places have raised the basic pension standard for urban and rural residents, which is just a microcosm of the adjustment of the basic pension for urban and rural residents across the country, and it is believed that more places will begin to raise the basic pension in the future.
And for a topic that urban and rural residents are concerned about, a one-time supplementary payment of 40,000 yuan, a monthly receipt of 1,688 yuan, only in Shanghai can be received, after all, the basic pension has reached the highest standard of 1,400 yuan in the country, for other regions because the basic pension is lower than the 1,400 yuan standard, the monthly pension of 1,688 yuan is equal to the Arabian Nights, and in most places the pension is likely to receive about 500 yuan.
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