There are many different grades, and the insured can choose the grades of annual payment 100 yuan, 200 yuan, 500 yuan and so on according to their actual economic situation.

Endowment insurance for rural residents:

Rural residents' old-age insurance consists of basic pension and personal account pension, and its specific payment standards are as follows:

1, basic pension: according to different payment grades, the monthly subsidy standard is different, but the higher the payment grade, the more subsidies you can get; Choose the first gear and the seventh gear, and the corresponding subsidies are more than ten yuan and eighty yuan respectively.

2. Personal account pension: personal account balance/calculation months; The number of months is calculated according to the years of welfare payment and retirement age, which is generally 139 months; The balance of your personal account depends entirely on how much you paid before.

Which grade should rural residents' endowment insurance pay?

Look at the actual needs and economic situation of individuals.

The payment of endowment insurance for rural residents is directly linked to the pension benefits that individuals can enjoy in the future, so it is natural to choose a better payment grade from the perspective of enjoying benefits.

However, the premium required for a year corresponding to a higher payment grade is not low, at least around 1,000 yuan, which is obviously a bit difficult for ordinary rural families and may not be the most suitable choice. Therefore, it will be more common to choose the lowest payment grade in real life. After all, the payment burden is small and the payment is faster, but the treatment enjoyed is much worse.

How to choose specifically? It is suggested that you judge according to your personal economic situation and choose the appropriate payment grade according to your own economic situation. Don't put a big burden on yourself because of insurance.

Can rural residents' old-age insurance be refunded?

Generally not;

The new rural social endowment insurance cannot be returned directly, but individuals who participate in employee social security according to regulations can transfer the rural endowment insurance they paid before to employee social security, which means that the years can be converted into the payment years of employee old-age insurance, and the personal account balance will also be converted according to laws and regulations.

Of course, if the insured person has settled abroad or the nature of household registration changes, a new agricultural insurance relationship can be introduced, and the balance of personal account will be paid to the insured person or designated beneficiary or heir.

Legal basis:

The State Council's Opinions on Establishing a Unified Basic Endowment Insurance System for Urban and Rural Residents

Fourth, raise funds.

The endowment insurance fund for urban and rural residents consists of individual contributions, collective subsidies and government subsidies.

(1) individual payment.

Those who participate in the old-age insurance for urban and rural residents shall pay the old-age insurance premium in accordance with the 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.

(2) Collective subsidies.

Conditional village collective economic organizations shall give subsidies to the insured, and the subsidy standard shall be determined by the villagers' committee holding a villagers' meeting, and encourage qualified communities to include collective subsidies in the financing scope of community public welfare undertakings. Encourage other social and economic organizations, charitable organizations and individuals to provide financial support for the insured. Subsidies and the amount of subsidies shall not exceed the highest payment grade standard stipulated by the local authorities.

(3) government subsidies.

The government pays the basic pension in full to the insured who meet the conditions for receiving the old-age insurance for urban and rural residents. Among them, the central government gives full subsidies to the central and western regions and 50% subsidies to the eastern regions in accordance with the basic pension standards set by the central government.

The local people's government subsidizes the insured person's payment, and the subsidy standard is not lower than the 30 yuan per person per year for choosing the lowest grade standard payment; Choose a higher payment standard and appropriately increase the subsidy amount; Choose 500 yuan and above, the subsidy standard is not less than 60 yuan per person per year, and the specific standards and measures are determined by the people's governments of all provinces (autonomous regions and municipalities). The local people's government pays part or all of the minimum old-age insurance premium for severely disabled people and other groups with payment difficulties.

People's Republic of China (PRC) social insurance law

Article 20 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.

Twenty-first new rural social endowment insurance benefits are composed of basic pension and personal account pension.

Rural residents who participate in the new rural social endowment insurance meet the conditions stipulated by the state and receive the benefits of the new rural social endowment insurance on a monthly basis.

Article 22 The State shall establish and improve 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.