Legal analysis: To optimize the treatment structure of old-age insurance, we need:

First, we need to improve the payment policy of urban and rural residential insurance premiums. Local governments, in combination with the actual situation, pay part or all of the premiums for the poor people, the extremely poor people, the severely disabled people and other difficult groups who participate in urban and rural residential insurance, and enhance the system's bottom-up guarantee function. When determining the object of subsistence allowances, the minimum standard of basic pension determined by the central government is not included in family income.

the second is to implement the mechanism of determining treatment and normal adjustment of basic pension. China will optimize the pension insurance treatment structure and improve the treatment level according to the treatment composition of basic pension and personal account pension; Guide all localities to establish a dynamic adjustment mechanism for payment subsidies, and appropriately increase payment subsidies for those who choose higher-grade payment; Accelerate the entrusted investment of urban and rural residential insurance funds to realize the preservation and appreciation of the funds

Legal basis: Social Insurance Law of the People's Republic of China

Article 2 The state establishes and improves a new rural social endowment insurance system. The new rural social endowment insurance combines individual contributions, collective subsidies and government subsidies.

article 22 the state establishes and improves the social endowment insurance system for urban residents. The people's governments of provinces, autonomous regions and municipalities directly under the Central Government may, according to the actual situation, combine the social endowment insurance for urban residents with the new rural social endowment insurance.