The payment standard of new rural social endowment insurance has also been adjusted to 12, with the lowest 100 yuan and the highest 2000 yuan. The people's governments of all provinces (autonomous regions and municipalities) are required to add payment grades according to the actual situation. In principle, the highest payment grade standard shall not exceed the annual payment of local flexible employees to participate in the basic old-age insurance for employees, and shall be reported to Ministry of Human Resources and Social Security for the record.

It is clear in the Opinions that in terms of individual contributions, those who participate in the new rural social endowment insurance in the future should pay endowment insurance premiums according to regulations. At present, the payment standards are set at 100 yuan, 200 yuan, 300 yuan, 400 yuan, 500 yuan, 600 yuan, 700 yuan, 800 yuan, 900 yuan, 1000 yuan, 1500 yuan, 2000 yuan, and the people's governments of provinces (autonomous regions and municipalities) can add payment grades according to actual conditions. Ministry of Human Resources and Social Security will, together with the Ministry of Finance, adjust the payment grade standards in a timely manner according to the income growth of urban and rural residents. Insured people choose their own grades to pay, and pay more.

Calculation of new rural social endowment insurance benefits

The new rural social endowment insurance consists of basic pension and personal account pension, which is paid for life.

Monthly pension = basic pension+total personal account ÷ 139.

Basic pension = the standard is 55 yuan (later adjusted with national policies)+every additional 65,438 years after payment +0 yuan;

Total amount of individual account = individual payment+government subsidy+collective subsidy+social and individual subsidy+interest generated from the above amount;

Usually, the payment standard of new rural insurance will be set at 100 yuan, 200 yuan, 300 yuan, 400 yuan, 500 yuan, 600 yuan, 700 yuan, 800 yuan, 900 yuan, 1 100 yuan, 1200 yuan and 1300 yuan per year. Voluntary choice of payment level, pay more. You can only enjoy government subsidies if you pay them in those years. Of course, the rules are different in every place.

1, choose to pay 100 yuan per year to participate in the new rural insurance. How much can I get after I am 60 years old?

2. How much can I get after I choose 500 yuan to participate in the new rural endowment insurance for one year?

Next, let's calculate an account:

Pension = basic pension+total amount of your own account ÷ 139

Basic pension = standard 55 yuan+contribution 15 years later, the basic pension will increase by 2 yuan 1 year.

Total amount of your own account = your own payment+government subsidy+interest.

The above is the accounting formula, but due to different local rules, the accounting results will be slightly different, not too much difference.

Let's assume that you have only paid 15 years, and the local government subsidies over the years are the minimum standard of 30 yuan in the national rules, and the interest is not counted for the time being:

Basic pension =55 yuan (seasonally adjusted, some areas have been raised to 70 yuan) +0x2.

Self-employed pension = (level +30)x 15÷ 139

The above formula can simply calculate the two problems we just mentioned:

Choose to pay 100 yuan per year to participate in the new rural insurance. After paying 15 years, you can get:

55+(100+30) x15÷139 = 69 yuan/month.

Choose a year to pay 500 yuan to participate in the new rural insurance. /kloc-After 0/5 years, after 60 years old, you can get:

55+(500+30) x15 ÷139 =112.2 yuan/month

The above is the accounting method, because everyone's payment period is different, the basic pension is adjusted and changed, and the subsidies and interest are different everywhere, so everyone's actual pension will be different. The result of today's accounting does not mean that it will be the result fifteen years later, and it will be adjusted and changed according to everyone's living standard. ......

If you are 46 years old this year, you will pay 100 yuan every year, and pay continuously 15 years, personally 1500 yuan. At the age of 60, the monthly pension standard =[55 yuan +0 (basic pension will be increased after payment 1 year)] {{[(65438+000+30) × 15+0 (collective assistance, social and personal assistance, etc.).

Basic principles of new rural social endowment insurance

The basic principle of the new rural social endowment insurance system is "basic, wide coverage, flexible and sustainable". First, proceeding from the reality in rural areas,

Starting at a low level, the standard of financing and treatment should be compatible with economic development and affordability in all aspects; Second, individuals, collectives and governments should share responsibilities reasonably, and their rights and obligations should be adapted; Third, the combination of government guidance and farmers' wishes will guide farmers to participate in insurance generally; The fourth is to pilot first and gradually push it away.

The new rural social endowment insurance system adopts the basic mode of combining social pooling with individual accounts and the financing mode of combining individual contributions, collective subsidies and government subsidies. Rural residents over the age of 60 no longer pay fees, and directly enjoy the basic pension subsidized by the central government, but their children who meet the conditions for insurance should pay for insurance. In other words, only rural elderly people who have reached the age of 60 and their eligible children can enjoy the basic pension issued by the government, which is not only a necessary condition for farmers to participate voluntarily under the guidance of government organizations, but also a kind of "treatment enjoyment".

Conditions for 60-year-old people in rural areas to receive

1. When the agricultural insurance system is implemented, rural residents who have reached the age of 60 and do not enjoy the basic old-age insurance benefits for urban workers can receive basic pensions on a monthly basis without paying fees, but their eligible children should pay insurance premiums.

2. Those who are under the age of 15 shall be paid annually, and the supplementary payment is allowed, and the accumulated payment shall not exceed15; If the age is above 15, the fee shall be paid annually, and the accumulated fee shall not be less than 15. Guide young and middle-aged farmers to actively participate in insurance, pay long-term fees, and pay more for a long time.

3. If the long-term payment exceeds 15 years, the basic pension will be increased by 1% every1year, with the maximum not exceeding 10%. The people's governments in the pilot areas bear additional basic pensions.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.