At present, the problem of old-age pension for the elderly in rural areas, because they have no retirement system, no pension, and too low pension, is indeed a serious problem that is difficult to solve.
Now that these elderly people in the countryside who have cultivated the land all their lives are gradually getting old, they still stick to farming in the countryside, making time for their children to work in the cities to earn money to support themselves and their families.
The vast majority of these seventy and eighty-year-old rural elderly people still stick to their hometowns and become empty nesters, old and weak, frail and sickly, and can no longer work in the fields, have no economic resources, and rely on the current pension insurance treatment of more than 100 yuan for urban and rural residents, which is simply not enough.
Therefore, there are a lot of old people in the countryside, their children work in the city to do business, make money, their filial piety is very good, first of all, to consider the problem of the elderly at home, in addition to providing enough daily life for the elderly, but also to find ways to solve the problem of low pension for the elderly.
In my hometown village, there is a young man, with his own ability, opened a factory in Shenzhen, the annual income is very considerable, the family does not worry about eating and drinking, want to live in the hometown of the old father farming, to Shenzhen to enjoy the old life, who knows that the old man 100 do not agree, 1,000 do not agree, there is no way.
His father is currently in good health and would rather live in the countryside than go to the city to live with his son, who in addition to providing him with enough living supplies every month, because the old man is almost 60 years old this year, and the Social Security Bureau has notified the old man to go through the procedures for receiving a pension.
Therefore, the old man's son took time out of his busy schedule and returned to his hometown to go through the pension procedures for the elderly, and in accordance with the national policy, he paid a one-time pension insurance fee of 200,000 yuan for the elderly.
In this way, the old man is paid according to the minimum payment standard of pension insurance every year, therefore, when the old man receives the pension, he can only receive more than 100 yuan per month, which is not enough for the old man to provide for the elderly, so the son of the old man decided to pay 200,000 yuan of pension insurance for the old man at one time according to the national policy, so that when the old man receives the pension, he can receive more every month to meet the needs of the pension life.
How much pension can the elderly receive each month after making up the pension insurance premiums? Let's find out through calculations.
The original 15 years of pension insurance payment for the elderly, are based on the minimum standard to pay at that time, the current minimum payment standard is 300 yuan a year, then the balance of the personal payment account is (300 + 45) × 15 = 5175 yuan, and now the old man's son has paid 200,000 yuan for him at one time, then, the personal account balance of the pension insurance cost of the elderly is 205175 yuan.
Now the balance of the personal pension account of the elderly, the monthly pension is 205175÷ 139 = 1476.079137 yuan, that is, 1476.08 yuan, plus the basic pension of urban and rural residents in 2023, Hubei Province is 115 yuan, and it is mentioned in the government work report of the National People's Congress and the National People's Congress this year that it will rise by 20 yuan a month, then, the basic pension of rural people in Hubei Province is 135 yuan.
Therefore, after a one-time payment of pension insurance costs for the elderly, the pension can be received every month is 1476.08 + 135 = 1611.08 yuan, so after the elderly are 60 years old, each month's pension insurance treatment, through a one-time payment of pension insurance costs, the pension from more than 100 yuan a month, suddenly increased to 1611.08 yuan a month.
This level of pension is the highest level in rural areas, which can well meet the daily living expenses of the elderly, and it is not a problem at all.
If compared with the elderly in urban areas, this level of pension, although not high, is enough to meet the basic life of the elderly in towns, and there is no problem.
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