1. The basic pension standard of old-age insurance for urban and rural residents in Shanghai has been adjusted from 1200 yuan to 1300 yuan, which includes the minimum standard of basic pension determined by the central government.
2. In 2022, the scope of adjusting the old-age insurance pension for urban and rural residents is: 202 1 persons who have gone through the monthly pension procedures according to regulations before the end of the year.
3. For those who have gone through the formalities of monthly pension payment before June 65438+1 October1July 20221February, their basic pension will be adjusted to per person per month 1300 yuan.
At present, the old-age insurance payment for urban and rural residents in Shanghai is mainly divided into 10, ranging from 500 yuan/year to 5,300 yuan/year, and the corresponding government subsidy standard is 200 yuan/year to 675 yuan/year.
If Shanghai urban and rural residents pay an annual fee for 500 yuan to subsidize 200 yuan, they will pay an annual fee of 15, and the personal account pension is about 10500 yuan, corresponding to a monthly personal account pension of about 76 yuan, and the total monthly basic pension for urban and rural residents is about 1376 yuan.
Payment 15 years, a total of 7,500 yuan is required to be paid for urban and rural residents' endowment insurance. It is estimated that in the sixth month after retirement, the old-age insurance premium for urban and rural residents will be recovered by receiving the basic pension.
If Shanghai urban and rural residents pay annual contributions to 500 yuan to subsidize 200 yuan, the annual contributions will be 40 years, and the personal account pension will be about 28,000 yuan, corresponding to a monthly personal account pension of about 202 yuan, and the total monthly basic pension for urban and rural residents will be about 1502 yuan.
After 40 years of payment, the total pension insurance premium for urban and rural residents needs to pay 20 thousand yuan. It is estimated that in the14th month after retirement, the paid endowment insurance premium for urban and rural residents can be recovered by receiving the basic pension for urban and rural residents.
If urban and rural residents in Shanghai pay 5,300 yuan a year to subsidize 675 yuan, and pay 15 year by year, the personal account pension will be about 89,625 yuan, corresponding to a monthly personal account pension of about 645 yuan, and the total monthly basic pension for urban and rural residents will be about 1945 yuan.
Payment 15 years, a total of 79,500 yuan is required to be paid for urban and rural residents' endowment insurance. It is estimated that 4 1 month after retirement, the paid endowment insurance premium for urban and rural residents can be recovered by receiving the basic pension for urban and rural residents.
If Shanghai urban and rural residents pay 5,300 yuan a year to subsidize 675 yuan, and pay 40 years a year, the personal account pension will be about 239,000 yuan, corresponding to the monthly personal account pension of about 1720 yuan, and the total monthly basic pension for urban and rural residents will be about 3,020 yuan.
After 40 years of payment, the total endowment insurance premium for urban and rural residents is 21.2000 yuan. It is estimated that 7 1 month after retirement, the paid endowment insurance premium for urban and rural residents will be recovered by receiving the basic pension for urban and rural residents.
legal ground
"Guiding Opinions of the Ministry of Finance of Ministry of Human Resources and Social Security on Establishing the Basic Old-age Insurance Benefits for Urban and Rural Residents and the Normal Adjustment Mechanism for Basic Pensions" (Ministry of Human Resources and Social Security Fa [2065 438]2 1No.) stipulates that
(1) Improve the treatment determination mechanism. The basic old-age insurance for urban and rural residents consists of basic pension and personal account pension. The basic pension is determined by the central and local governments and paid in full to the insured who meet the conditions for receiving it; Personal account pension is determined by dividing the total storage amount of personal account by the calculation coefficient. Clarify the responsibilities of people's governments at all levels, collective economic organizations and insured residents. According to the per capita disposable income and financial resources of urban and rural residents throughout the country, the central government reasonably determines the national minimum standard for basic pensions. All localities should raise the basic pension standard according to local conditions and give appropriate tilt to urban and rural elderly residents aged 65 and above; For long-term payment, if it exceeds the minimum payment period, the basic pension should be appropriately increased. The funds needed to raise the basic pension and extend the basic pension standard shall be borne by the local authorities. Guide and encourage eligible urban and rural residents to join the insurance early and pay more, increase the accumulation of funds in personal accounts, optimize the pension insurance treatment structure, and improve the treatment level.
(2) Establish a normal adjustment mechanism for basic pensions. Ministry of Human Resources and Social Security, together with the Ministry of Finance, will make overall consideration of the adjustment of income growth of urban and rural residents, price changes and other social security standards such as basic old-age insurance for employees, and timely put forward a national minimum basic pension adjustment plan for urban and rural residents, which will be submitted to the CPC Central Committee and the State Council for determination. The adjustment of local basic pension shall be put forward by the local human resources and social security department in conjunction with the financial department and reported to the party Committee and government at the same level for determination.
(three) the establishment of individual payment grade standard adjustment mechanism. According to the income growth of urban and rural residents, all localities should reasonably determine and adjust the payment grade standard of basic old-age insurance for urban and rural residents for urban and rural residents to choose. In principle, the highest payment grade standard does not exceed the payment period for local flexible employees to participate in the basic old-age insurance for employees. For groups with payment difficulties such as severely disabled people, the current minimum payment grade standard can be retained.
(four) the establishment of payment subsidy adjustment mechanism. All localities should establish a dynamic adjustment mechanism for payment subsidies of basic old-age insurance for urban and rural residents, reasonably adjust the level of payment subsidies according to economic development, improvement of individual payment standards and financial situation, appropriately increase payment subsidies for those who choose high-grade payment, and guide urban and rural residents to choose high-grade standard payment. Encourage collective economic organizations to increase payment subsidies, and encourage other social organizations, charitable organizations and individuals to pay and increase funding for the insured.
(five) to realize the preservation and appreciation of personal account funds. All localities should carry out entrusted investment in the basic old-age insurance fund for urban and rural residents in accordance with the requirements and provisions of the Notice of the State Council on Printing and Distributing the Measures for the Administration of Investment in the Basic Old-age Insurance Fund (Guo Fa [2015] No.48), so as to maintain and increase the value of the fund and improve the pension level of individual accounts and the fund's ability to pay.