Girl, did you miscalculate for me? Why? The same is to pay social security, I received a pension of only more than 200 yuan, while others have more than 1,000.
Indeed, it is also a hard life, work is a profession, the peasant is also a profession, and the peasant friend has made no less contribution to the country than the worker.
So why is there such a big gap in pensions for the same social security contributions? There are two reasons, let's take a look at it together with [XiaoZhuan talking about social security].
<h1 class="pgc-h-arrow-right" data-track="4" > participate in the "urban and rural residents' pension insurance", not the "urban workers' pension insurance"</h1>
Although the endowment insurance for urban and rural residents and the endowment insurance for urban workers belong to the social security system, there is a big difference between the two, whether it is the insured object, the payment standard, or the pension treatment.
01 Endowment insurance for urban and rural residents
The payment standard is low, and on the basis of individual payment, there are government subsidies, collective subsidies, to Changchun urban and rural residents pension insurance payment standards as an example, the annual payment standard from 200 yuan to 2000 yuan, a total of 11 grades can be selected. Government subsidies range from 40 yuan to 170 yuan, and the specific amount of subsidies depends on the level of participation, and these are all credited to personal accounts.
Uncle Li, according to the annual payment of 2,000 yuan to the new agricultural insurance, paid for 15 years, how much can he receive at the age of 60?
Urban and rural residents' pension = basic pension + personal account pension.
Basic pension, according to the minimum standard of basic pension determined by the central government is 93 yuan per month, and the level of basic pension raised in various places is different.
Personal pension, pay 200 yuan per year, subsidies of 40 yuan, pay 15 years, that is, the personal account has 3600 yuan, then 60 years old retirement can receive 3600 / 139 = 25.9 yuan of personal pension.
The total is 93 + 25.9 = 118.9 yuan.
02 Urban workers' endowment insurance
The payment standard is determined according to the average social wage, and the maximum is set to no more than 300%, and the minimum is not less than 60%. Employees, through the enterprise payment, the cost is borne by the unit and individual, the proportion is 16% of the unit, the individual 8%, and the flexible employment personnel need to bear the entire pension insurance, the proportion of 20%. Take Changchun's 2021 payment standard as an example:
Because the average social wage rises year by year, and the payment base is linked to the average social wage, the payment standard of social security also rises year by year.
The pension of urban workers, which is the same as the pension of urban and rural residents in terms of calculation, is made up of basic pension = basic pension + personal pension.
Colleagues have been insured according to the minimum standard, that is, 60% for 15 years, and retired at the age of 60 last year, receiving a monthly pension of 1048 yuan.
<h1 class="pgc-h-arrow-right" data-track="4" > farmers pay social security, survive until the age of 60 to retire, how much pension can they receive? </h1>
As mentioned earlier, the minimum standard of basic pension determined by the central government is 93 yuan per month, and each region can increase the basic pension treatment according to the economic development.
For example, the basic pension in Beijing = 830 yuan / month, the basic pension in Shanghai = 1100 yuan / month, the basic pension in Nanjing = 470 yuan / month, and 88 yuan in other regions.
It can be seen that if you pay 100 yuan a year and pay 15 yuan, if you are in Beijing, then you can receive a pension of 905.9 yuan per month, but if you are in Shanghai, you can get a pension of 1125.9 yuan per month, but if you are in other regions, you can receive a pension of only 118.9 yuan per month.
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