First, the conditions of social endowment insurance for urban residents

1. Individuals who participate in urban and rural old-age insurance, who have reached the age of 60, pay 15, and have not received the basic old-age security benefits stipulated by the state, can receive the old-age insurance benefits for urban and rural residents on a monthly basis.

2. Those who are under the age of 15 will be paid year by year, and they are also allowed to pay back, and the accumulated payment will not exceed15;

3. Those who have received the payment for more than 15 years shall be paid annually, and the accumulated payment shall not be less than 15 years.

4 urban and rural residents pension insurance benefits recipients died, from the next month to stop paying their pensions.

Two, urban residents' social endowment insurance payment standard

100 yuan, 200 yuan, 300 yuan, 400 yuan, 500 yuan, 600 yuan, 700 yuan, 800 yuan, 900 yuan, 1000 yuan, 1500 yuan, 2000 yuan, 12 level.

Three, urban residents receive social pension insurance benefits.

Social endowment insurance for urban and rural residents consists of basic pension and personal account pension, which is paid for life.

Monthly pension = basic pension+total personal account ÷ 139.

Basic pension = the standard is 55 yuan (later adjusted with national policies)+every additional 65,438 years after payment +0 yuan;

Total amount of individual account = individual payment+government subsidy+collective subsidy+social and individual subsidy+interest generated from the above amount;

Calculation coefficient = 139 (the same as the old-age insurance coefficient for urban workers).

If you are 46 years old this year, you will pay 100 yuan every year, and pay continuously 15 years, personally 1500 yuan. At the age of 60, the monthly pension standard =[55 yuan +0 (basic pension will be increased after payment 1 year)] {{[(65438+000+30) × 15+0 (collective subsidy, social and personal assistance, etc.). Annual pension total. According to the average life expectancy of 75 years, 65,438+06,5438+0530.20 yuan (personal income) can get a pension of 65,438+03,030.20 yuan. If the payment is made according to the standard of 2,000 yuan per year, and the payment is continued for 15 years, the individual payment is 30,000 yuan, and the monthly pension standard is 326.62 yuan, and the annual pension is 39 19.44 yuan. All personal contributions can be recovered after more than 7 years, and according to the average life expectancy of 75 years, you can get a pension of 5879668.

Four, urban residents' social endowment insurance subsidy standard

1. The minimum subsidy standard is 100 yuan 30 yuan, 200 yuan 35 yuan, 300 yuan 40 yuan, 400 yuan 50 yuan, 500 to 600 yuan 60 yuan, 700 to 900 yuan 70 yuan, 1000 to 2000 yuan 80 yuan.

2. For severely disabled people, low-income households and other groups with payment difficulties, the local government will pay the minimum standard old-age insurance premium for them.

3. The government's payment subsidy to the insured cannot offset the individual's payment. Individuals who do not pay fees are not subsidized, and those who pay fees afterwards are not subsidized.

Retirement age of residents' pension insurance: from 2033, it will be delayed every 3 years 1 year.

The latest news of retirement age of residents' pension insurance: Zhongjin.com 65438+February 9, recently, the Green Book on Population and Labor: Report on Population and Labor in China published by China Academy of Social SciencesNo. 16 claims that from 2033, the retirement age of residents' pension insurance will be delayed by 1 year every three years until it is completed in 2045. At the same time, introducing an elastic mechanism in the reform of retirement age can consider taking the legal retirement age as the benchmark, stipulating that retirement can be advanced or delayed for five years, but pension benefits are linked to retirement age. The calculation shows that delaying retirement age can effectively improve the supply of urban labor force, increase the working-age population of urban age (below retirement age), and delay the downward trend of its proportion.

First, residents' pension insurance and employee pension insurance.

The "Green Paper on Population and Labor" puts forward: First, the pension system is merged, and the retirement age is divided into two categories: the age at which employees receive pension insurance and the age at which residents receive pension insurance.

Secondly, the retirement age reform plan of employee pension insurance is divided into two steps. Step 1: When the 20 17 pension system is merged, the identity difference between female cadres and female employees will be abolished, and the retirement age of female employees' pension insurance will be set at 55. Step 2: Starting from 20 18, women's retirement age will be delayed by 1 year every three years and men's retirement age will be delayed by 1 year every six years until they reach 65 years old in 2045.

Thirdly, the retirement age of residents' pension insurance will be delayed by 1 year every three years from 2033 until it is completed in 2045. At the same time, introducing an elastic mechanism in the reform of retirement age can consider taking the legal retirement age as the benchmark, stipulating that retirement can be advanced or delayed for five years, but pension benefits are linked to retirement age. The calculation shows that delaying retirement age can effectively improve the supply of urban labor force, increase the working-age population of urban age (below retirement age), and delay the downward trend of its proportion.

Small knowledge of residents' endowment insurance:

1. What is the old-age insurance for residents?

Social endowment insurance for urban residents is an endowment insurance system covering non-employees with urban household registration. This system, together with the urban workers' endowment insurance system and the new rural social endowment insurance system, constitutes the social endowment insurance system in China. Urban residence insurance has two outstanding characteristics: first, the source of funds for urban residence insurance is not only individual contributions, but also government subsidies for the insured. The more individual contributions, the more government subsidies, and all individual contributions and government subsidies are included in the insured's personal account. Second, the pension of urban residential insurance consists of two parts: personal account pension and basic pension. The level of personal account pension is determined by the amount of account storage, that is, the total amount of individual contributions and government subsidies; The basic pension is paid in full by the government.

2, residents' pension insurance payment standard

The endowment insurance fund for urban residents is mainly composed of individual contributions and government subsidies.

At present, the payment standard is set at 100 yuan per year, 200 yuan, 300 yuan, 400 yuan, 500 yuan, 600 yuan, 700 yuan, 800 yuan, 900 yuan, 100 yuan and 10 grades. Local people's governments may add payment grades according to actual conditions. Insured people choose their own grades to pay, and pay more. According to the economic development and the growth of per capita disposable income of urban residents, the state adjusts the payment grade in a timely manner. The government pays the basic pension for urban residents in full to the insured who meet the conditions for receiving treatment. 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 payment of the insured, and the subsidy standard is not less than 30 yuan per person per year; Appropriate encouragement may be given to those who choose higher-grade standard payment, and the specific standards and measures shall be determined by the people's governments of all provinces (autonomous regions and municipalities). The local people's government will pay part or all of the minimum standard old-age insurance premium for severely disabled people in cities and towns.

20 17 latest regulations on retirement age

The introduction of the delayed retirement policy has not yet been scheduled, nor has it formed a specific plan, and it is still in the stage of research and discussion.

The Chinese Academy of Social Sciences suggested that 20 16 to 20 18 implement the policy of delayed retirement.

National academy of economic strategy released "Report on Economic System Reform in China 20 13" on 26th, proposing a three-stage timetable for the next seven years. In terms of income distribution and social security system reform, the report recommends the second phase of reform (20 16 to 20 18), and gradually implement the policy of delaying retirement age throughout the country. The report does not give specific suggestions on retirement age.

The report suggests that in the first stage of the reform from 20 14 to 20 15, the government should consider the social affordability and the development of the labor market as a whole and study the methods and steps to delay the retirement age; The second stage will be implemented nationwide; In the third stage, from 2019 to 2020, a unified basic old-age insurance and basic social security system for employees will be established.

Suggestions on gradually delaying retirement age;

Starting from 20 18, the retirement age of women is delayed by 1 year every three years and that of men by 1 year every six years. By 2045, the retirement age of both men and women will reach 65.

At the same time, in order to respect people's right to choose retirement age and reduce the resistance to reform, the report suggests that China should also introduce an elastic mechanism after the reform of retirement age. On the basis of the legal retirement age, it is stipulated that people can retire five years earlier or beyond the legal retirement age, and the pension standard can be adjusted appropriately: referring to the flexible age design of other countries, it can be stipulated that the basic pension standard is lower than normal retirement by 1% and 5% when retiring five years earlier; Every time retirement is delayed 1 year, the pension is 0.8% higher than the normal standard, and 4% higher after five years. At the same time, in the design of the flexible space of retirement age, women can be appropriately inclined, that is, the early retirement age of women can be slightly relaxed.

A plan to gradually delay the retirement age;

There are three aspects to gradually delay retirement age. First, there is an early warning period to inform the society a few years in advance; The second step is to start with the group with the lowest retirement age. Third, we should "take small steps" and "improve for several months a year" to gradually complete a smooth transition in a long time.

The first step to implement the delayed retirement policy is to standardize the phenomenon of early retirement.

At present, the retirement policy of men reaching 60 years old, women cadres and scientific and technological personnel reaching 55 years old and women workers reaching 50 years old has been implemented from 195 1. Over the years, in order to cooperate with the reform of state-owned enterprises and the adjustment of economic structure, the state has successively introduced a series of early retirement policies. The minimum standard is that women can apply for early retirement at the age of 40.

After standardizing early retirement, the second step should be to postpone the retirement age of women. First, the retirement age of female employees can be unified with female cadres and female employees in public institutions. Then raise the retirement age of women as a whole and narrow the gap with men. "According to international experience, it is more appropriate for men and women to have a two-year difference in retirement age.

The final plan will not take a one-size-fits-all approach for everyone. Policies will have different effects on different groups, and appropriate arrangements will be made for special groups.

According to the above scheme, delaying retirement age will effectively improve the fund balance of employee pension insurance, help to slow down the decline of the proportion of urban working-age population, increase labor supply, and improve the retirement income level and lifelong income of system participants.