In the countryside more than 50 years old farmers to the old days how to live no savings, working no factory to, and no pension insurance, farmers are mostly only child, that

China's aging process is becoming increasingly severe, the aging level reached 14.8%. Population mobility has weakened the family's ability to provide old-age services. Older adults go out to work, the elderly are always alone in their homes, do not have children's attentive life care and spiritual comfort, the problem of old age in rural areas is more serious. Urban elderly people receive several thousand dollars a month in pension, to the park in the morning to take a walk, to the square in the evening square dance, children and grandchildren around the company, the whole family is happy. The rural elderly, on the other hand, rely on the family and the land for their old age, and more than half of the rural elderly are still engaged in occupational labor. Most of them are staying behind and are not willing to go to the old people's homes. No economic basis, after 60 years old can receive more than 100 yuan per month pension, children filial piety is good, not filial piety and their own no money, the days are very bitter.

People often say "five insurance and one gold" in the five insurance is social insurance in the pension insurance, medical insurance, unemployment insurance, work injury insurance, maternity insurance. Most farmers understand the social security is the new rural social pension insurance, commonly known as the new rural insurance. In order to allow the elderly to receive more pensions every month, many rural areas have now introduced the policy of "retroactive" pension insurance. Through the "retroactive contribution", the elderly can receive a monthly pension of about 800 to 1300 yuan, life is guaranteed, do not have to worry about life problems.

How to make up rural pension insurance contributions

There are two types of retroactive contributions: rural residents who have participated in pension insurance can make up for previous years of non-payment during the contribution period; rural residents who have participated in pension insurance and reached retirement age and have made contributions for less than 15 years can make up for the shortfall in the pension insurance premiums in a lump sum. The year for the unit of retroactive payment, need to pay attention to a point is that retroactive payment is not entitled to government subsidies.

Conditions for rural pension insurance

Age requirements: men aged 60 and women aged 55 can make up 15 years of contributions in one go; men under the age of 60 and women under the age of 55 can continue to make contributions until they reach 60 or 55 years of age after making up for the number of years they have contributed during the period they worked before June 30th. If the actual number of years of contributions accumulated by the time the year is up is less than 15 years, the contributions can be extended to the full 15 years.

Because the pension insurance replacement policy is formulated by each locality, the monthly pension received by the elderly varies from region to region, and the amount received each month is also related to the number of years and the amount of replacement contributions. You can receive a monthly pension of 800 to 1,300 yuan.

Rural pension insurance process:

Required documents: 1. original ID card, two copies. 2. original hukou book, two copies. 3. four 1-inch bareheaded photographs (six for people over 60 years old).

Processing method: fill out four copies of the Registration Form and two copies of the Household Register in your village, affix a photo, and confirm with your signature and handprint. 16-59 year olds independently choose their own contribution level (100-1000) to pay the fee, and the village staff will issue a receipt and fill out the Payment Schedule. 60 year olds do not need to pay the fee. Persons over 60 years of age do not need to make contributions, fill out two copies of the "Application Form for Treatment" and submit two copies of the passbook.

How many years will it take to get back my money?

With a monthly payment of 800 yuan, it will take 9.8 years to recover the cost of the retroactive contribution. If you add the interest, it will take at least 12 years to get the money back. In the case of 60 years of age to start receiving a pension, it will take until the age of 72 to be able to Ben. Of course, there is a possibility that the pension will be increased in the future, and by then it may be enough to be able to capitalize at the age of 70. If the longer life expectancy, the higher life expectancy of parents, then the pension every year in the future, are earned.

In short, to be able to make up for this policy of pension insurance is good, after all, many rural elderly have not paid pension insurance. By making retroactive contributions, rural seniors will be able to live like urban seniors, and their children will no longer have to worry about the old people's financial problems. Rural participants in the death of the pension insurance benefits have not been collected, the individual's stored amount or balance of the individual's contribution will be paid to the legal heirs in a one-time payment, so that the same, or to the farmers to bring a great deal of welfare.

If you have any other questions about insurance, please come to: multi-policy fish speak insurance!