In 20 18, the state issued the "Guiding Opinions on Establishing the Mechanism for Determining the Basic Old-age Insurance Benefits for Urban and Rural Residents and the Normal Adjustment of Basic Pensions", explicitly requiring all localities to establish a mechanism for the normal growth of basic pensions for urban and rural residents, and to give preferential care to those who have paid for more than 15 years and the very old. How much pension can the elderly over 65 in rural areas receive?
Participate in the old-age insurance for urban and rural residents, and the pension benefits mainly include basic pension and personal account pension.
1 Personal account pension refers to the balance of personal account of urban and rural residents' pension insurance divided by 139 when receiving pension insurance benefits.
The personal account balance of endowment insurance mainly comes from individual contributions, collective subsidies and state subsidies. The personal payment grade is very flexible, and the initial setting is100 ~ 2,000 yuan 12, but each place can set it according to local conditions.
As long as we pay the fees on time every year, the state will give some subsidies, the minimum of which is not lower than that of 30 yuan, and the subsidies for payment above 500 yuan are not lower than that of 60 yuan. For example, Henan pays a fee of 5,000 yuan, and the government subsidizes 340 yuan. The following are the annual payment subsidies in several regions.
Collective subsidies are mainly aimed at qualified collectives, such as landless peasants. Low-income families account for the insured, and the local government pays the lowest personal burden.
Personal account pension is obviously overpaid. As long as the personal account accumulation is high, the personal account pension is high. For example, the personal account of endowment insurance has 50,000 yuan, and you can get your monthly pension in 360 yuan.
Personal account pension will never change, regardless of age.
Basic pension is a part of the treatment given by governments at all levels to urban and rural residents who meet the treatment conditions. The minimum standard of basic pension is determined by the central government, and local governments can raise it appropriately according to the actual situation. Standards vary greatly across the country.
For example, 202 1, the minimum standard of basic pension in Beijing is 850 yuan, and that in Shanghai is 1200 yuan. Shandong province 150 yuan, Jiangsu province 173 yuan, Tibet 205 yuan, Zhejiang province 180 yuan, Xinjiang 150 yuan, Inner Mongolia 140 yuan. Gansu 1 13 yuan, Hubei1/5 yuan, Guangxi 13 1 yuan, Jilin 1 13 yuan, 290 yuan, Dongguan and 200 yuan, Qingdao. It can be seen that not only provincial governments can raise standards, but also local governments can raise standards again.
The basic pension does give preferential treatment to the elderly over 65 and those who have paid 15 years or more. For example, according to the local pension system, Qinghai Province will increase the basic pension of 5 yuan every month for the elderly over 65 from 20 19. 5 yuan was the lowest in Shanxi province. Jiangxi Province is 65 to 79 years old plus 3 yuan, and 80 years old plus 6 yuan. In Shandong Province, the number of people aged 60 to 74 increased in 5 yuan, and the number of people aged over 75 increased 10 yuan. 5 yuan increased in Heilongjiang and Liaoning from 65 to 79 years old, and increased over 80 years old 10 yuan.
If the payment period exceeds 15 years, for each increase of 1 year, Qinghai Province will increase 10 yuan, Shanxi Province will increase 1 yuan, Shandong Province will increase 1%, Jiangxi Province will increase 2%, Jilin Province will increase 5 yuan, Heilongjiang Province and Liaoning Province will increase 2 yuan.
Besides the above two kinds of treatment, there are two kinds of treatment in some places.
3 Funeral allowance. As early as 20 14, when the urban and rural old-age insurance system was unified, the state explicitly explored funeral subsidies for urban and rural residents' old-age insurance. The latest document of Henan Province makes it clear that from June 65438+ 10/day in 2022, the standard of funeral subsidy will be unified as the basic pension for urban and rural residents' old-age insurance 1 2 months. At present, the monthly basic pension standard in Henan Province is 108 yuan, and1February is 1296 yuan. The standard of funeral subsidy in Guangdong Province is 6 months basic pension.
4 holiday expenses and treatment. This part of the treatment is generally paid on holidays, and only a few areas have it. Every Spring Festival in Shanghai, 300 yuan's one-off holiday allowance is given to the recipients of the old-age insurance for urban and rural residents. Ningbo did not participate in the payment of old-age insurance, and the elderly who directly received basic pension benefits were sent to 200 yuan; Pay insurance premiums and pensions below 400 yuan.
Generally speaking, the pension insurance benefits for urban and rural residents in China are getting better and better. I hope that with the development of the times, the relevant benefits will be better.