Today, a friend said that his parents are farmers, and their monthly pension is only 170 yuan after the age of 60. Why are pensions so low? How is it calculated? What should I do if I don't have enough pension?
The origin of the pension insurance for urban and rural residents.
The farmers' pension insurance system generally refers to the new rural pension insurance system introduced in 2009. In 2014, this pension insurance system was merged with the urban residents' pension insurance into the urban and rural residents' pension insurance.
Now that the state has unified the treatment of urban and rural areas, it cannot be said that such an old-age insurance system is only implemented for peasants, and the people who have not participated in the old-age insurance for workers in urban areas also participate in this old-age insurance to receive the same treatment.
How is the pension insurance treatment for urban and rural residents calculated?
The pension insurance for urban and rural residents is a kind of national welfare guarantee, and the pension treatment mainly includes two parts: basic pension and personal account pension.
(1) Personal account pension = the balance of the pension insurance personal account at the time of receiving the benefit÷ 139 (the number of months of payment at the age of 60).
The amount of money paid by the pension insurance participants of urban and rural residents is all entered into the personal account, and the personal account pension is continuously accumulated. In the event of the death of the insured person, the balance of the personal account can also be inherited, and it will definitely not be a loss. This practice adapts to the simple idea of the peasants saving for the elderly.
However, in order to adapt to the old-age security, if the life expectancy is relatively long, and the balance of the personal account of the pension insurance is completed, the state will subsidize the equal amount of personal account pension to ensure that the retirement treatment is not reduced. Therefore, from this point of view, it is definitely a sure win.
In addition, in order to encourage residents to participate in insurance, the state has set up two systems: one is when they reach the age of 60 or the age specified by the local government (for example, 65 years old in Guangdong Province), they can make up for 15 years at one time if they have paid for less than 15 years. Second, as long as the payment is made during the annual centralized payment period, the state will also give an additional subsidy of 100 yuan, a grade subsidy of not less than 30 yuan, and a subsidy of more than 500 yuan of not less than 60 yuan.
(2) The basic pension is a treatment formed by the joint subsidy of the central and local finances. The minimum standard of basic pension in 2009 was 55 yuan, and it has risen year by year since then, and has now reached 103 yuan. In the government work report in March this year, it was clear that the minimum standard of basic pension for urban and rural residents' pension insurance will be increased by 20 yuan this year.
For example, Shanghai reached 1,400 yuan per month last year, and Shandong Province currently has 168 yuan per month. In fact, there are many areas in the country where the basic pension exceeds 500 yuan.
The basic pension, because it is fully subsidized by the state finance, means that this part of the treatment is earned every month.
To be honest, the country's limited financial resources cannot raise the basic pension standard too high for everyone. At the end of 2022, there were 164.64 million urban and rural residents receiving pension insurance benefits in mainland China, and the pension insurance fund expenditure was 404.4 billion yuan, with an average monthly per capita treatment of about 200 yuan.
As far as the current standard of living is concerned, a monthly pension of 170 yuan is really difficult to meet the living security. If the payment grade is high, for example, if the payment grade is 5,000 yuan for 15 years, you can also receive seven or eight hundred yuan. But most people go for the basic pension and will not choose to pay at a high level.
In this case, if the resident pension is not enough to ensure personal pension, they either rely on their own savings to live, or continue to work to obtain income, and at least there is arable land to use for rural residents. If you really can't do it, you can also ask for child support. If the child does not have the ability to support him, then he can apply for the subsistence allowance or the five guarantees. #头条创作挑战赛#