Basic old-age insurance pension for urban and rural residents
How is it calculated?
The basic old-age insurance for urban and rural residents (hereinafter referred to as the urban and rural residence insurance) pension is mainly composed of basic pension and personal account pension. The government pays the basic pension in full to the insured persons who meet the conditions for receiving urban and rural residence insurance pensions.
01
Direct collar personnel
Urban and rural residents who have reached the age of 60 on December 31, 2009 and do not enjoy the basic old-age insurance treatment of enterprise employees and other old-age benefits stipulated by the state do not need to pay and can receive the basic pension on a monthly basis (the original old-age subsidy, the treatment standard in 2023 is 258 yuan per person per month, including an additional 5 yuan per person per month over 65 years old).
02
Insured contributors
Urban and rural residents who are under the age of 60 on December 31, 2009 and have not participated in the basic old-age insurance for enterprise employees, have not enjoyed the basic old-age insurance treatment for enterprise employees and other old-age benefits stipulated by the state, shall pay the premiums until the pension age according to the regulations. Among them, those who are less than 15 years away from the age of receipt shall pay the fee on an annual basis, and it is allowed to make a one-time payment for 15 years at the age of 60, and the cumulative payment shall not exceed 15 years;
Basic Pension Monthly Calculation and Payment Standard:
The basic pension in 2023 will be 268 yuan per month for those who have paid for insurance and payment according to the basic standard of payment, and for those who have paid for more than 15 years, the basic pension will be increased by 5 yuan for every more than 1 year, and the basic pension will be 253 yuan in 2023 for those who participate in the insurance and pay according to the basic standard of payment, and 5 yuan will be issued for those over 65 years old.
Monthly calculation and payment standard of personal account pension:
At present, it is the total amount of savings in the personal account (including personal contributions, government subsidies, interest, etc.) divided by 139.
If you want to improve the level of urban and rural residence pension, the most direct way:
The first is to increase the level of payment, improve the corresponding basic pension level and increase the level of personal account pension by increasing the amount of personal account savings; the second is to pay early, receive government payment subsidies (supplementary payment does not enjoy government subsidies), increase interest income, increase personal account savings to improve the level of personal account pensions; the third is to pay long-term payment, increase the number of years of pension and increase the amount of personal account savings to improve the level of personal account pension.
Editor: Zhang Mengmeng
Source: Jurong Human Resources and Social Security (basic score 5)
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