There is really no definite answer to how much more income you can earn after a one-time payment. Because the payment of pension is lifelong, how much pension can be received is determined by the survival time of the insured.

It must be an economic account. It can be said that paying endowment insurance is a must. Because the raising of social security funds includes not only individual contributions, but also collective grants and government subsidies.

"the State Council's Opinions on Establishing a Unified Basic Old-age Insurance System for Urban and Rural Residents" clearly stipulates the raising of old-age insurance funds:

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.

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