1. How much monthly pension insurance urban and rural residents receive:
1. Monthly pension (calculated from the basic pension, total personal account, and calculation coefficient) 2. Basic pension (Set by the state) 3. Total personal account (accumulation of monthly fees paid) 2. Standard calculation formula for receiving pension insurance benefits for urban and rural residents Urban and rural residents’ social pension insurance benefits = basic pension + personal account pension. Monthly pension = basic pension + total personal account; calculation coefficient. Basic pension = standard is 55 yuan (will be adjusted with national policies in the future) + basic pension will increase by 1 yuan for each additional year of payment after 15 years of payment; total personal account = personal payment + government subsidy + collective subsidy + social and personal subsidies + Interest generated on the above amount; calculation coefficient = 139 (same as the urban employee pension insurance coefficient). Those who have received the pension for more than 15 years will have greater personal benefits; if the state adjusts the basic pension, the benefits will be even greater.
Urban residents’ pension insurance retirement age:
Urban residents’ social pension insurance is 60 years old. The social pension insurance for enterprise employees is more complicated: male employees are 60 years old; female employees engaged in management and scientific research are 55 years old; female employees engaged in production and auxiliary work are 50 years old, and freelancers and self-employed women are over 55 years old. .
How to apply for urban resident pension insurance:
1. Application conditions 1. Persons with household registration in this city who are 16 years old or above and under 60 years old (full-time students) , except those who participate in other pension insurance and enjoy other pension insurance benefits); 2. Persons who are over 60 years old before August 31, 2009 and do not enjoy other pension insurance benefits. 2. Declaration materials 1. Original and copy of household registration book (home page, personal page, increase and decrease pages); 2. Original and copy of resident ID card; 3. Original and copy of bank card; 4. If you are severely disabled, please return The original and copy of the first- and second-level disability certificates are required; 5. If the family is an only child, the only child qualification confirmation form issued by the Family Planning Office of the place of residence is required. 3. Application procedures 1. Applicants submit applications to the township social security office where their household registration is located between the 1st and 20th of each month; 2. The social security office will review the application materials on the spot after receiving the application materials. Register those who meet the conditions for insurance. If the conditions are not met, the materials will be returned to the applicant and the reasons will be explained; 3. In the month when the insured person reaches the retirement age and has paid the pension insurance premium in full, he will go to the social security office at the place of application for a preliminary review of pension insurance benefits qualifications from 1 to 20 days; 4. The township social security office will submit the relevant materials of those who have passed the preliminary examination of pension benefits to the Resident Pension Department of the County Social Security Bureau, and the Resident Pension Department will conduct a qualification review from 1 to 24; 5. The County Social Security Bureau will pay the pension insurance benefits to urban and rural residents on a monthly basis.
Basic pensions consist of pooled pensions and personal account pensions. The basic pension is determined based on the individual’s cumulative contribution years, contribution salary, average salary of local employees, personal account amount, average life expectancy of the urban population and other factors.
What is the difference between urban resident pension insurance and employee pension insurance:
Theoretically, social pension insurance is not only urban employee pension insurance, it also includes urban resident pension insurance. , and the current new rural pension insurance. Compared with the urban employee pension insurance, the payment standards of these two insurances are much lower. Of course, the pension insurance you will receive will also be very different. The pension of the urban employee pension insurance is calculated for you based on the average social wage. It will increase with the increase of the average social wage, and it is protected by the minimum wage standard. That is to say, the minimum wage for you to participate in the urban employee pension insurance. It cannot be less than the minimum average wage in your area.
Urban residents’ basic pension insurance payment standards:
Urban residents’ pension insurance funds are mainly composed of individual contributions and government subsidies. The payment standards are currently set at 10 levels of 100 yuan, 200 yuan, 300 yuan, 400 yuan, 500 yuan, 600 yuan, 700 yuan, 800 yuan, 900 yuan, and 1,000 yuan per year. The local people's government can add payment levels according to actual conditions. The insured can choose the payment level independently, and the more he pays, the more he will get. The state adjusts payment levels in a timely manner based on economic development and growth in per capita disposable income of urban residents. The government will fully pay the basic pension of urban residents’ pension insurance to the insured persons who meet the conditions for receiving benefits. Among them, the central government will provide full subsidies to the central and western regions according to the basic pension standards determined by the central government, and 50% subsidies to the eastern regions. The local people's government shall provide subsidies for the insured persons' payment, with the subsidy standard not less than 30 yuan per person per year; appropriate incentives may be given to those who choose higher-level payment standards, and the specific standards and methods shall be determined by the provincial (regional, municipal) people's government . For groups with difficulty in payment such as severely disabled people in urban areas, local people's governments will pay part or all of the minimum standard pension insurance premiums on their behalf.
Urban and rural residents’ pension insurance is a social security system provided by my country for urban and rural residents, aiming to protect residents’ pension needs. To be eligible for pension insurance for urban and rural residents, the following conditions need to be met: 1. Be a legal citizen of China; 2. Be at least 16 years old and have not yet reached the retirement age stipulated by the state; 3. Pay personal pension insurance premiums continuously for 15 years in the place of residence. years; 4. Not enjoying other pension insurance benefits.
When applying for pension insurance for urban and rural residents, you need to provide identification, household registration book, proof of residence and other relevant materials, and go through the application procedures at the local social security agency. After passing the application, eligible urban and rural residents can receive monthly pension insurance benefits in accordance with regulations to meet their basic living needs.
Legal basis:
"Social Insurance Law of the People's Republic of China":
Chapter 2 Basic Pension Insurance
Art. Article 10 Employees shall participate in basic pension insurance, and the employer and the employee shall jointly pay the basic pension insurance premiums. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic pension insurance in the employer, and other flexible employment personnel can participate in the basic pension insurance, and the basic pension insurance premiums are paid by individuals. The measures for pension insurance for civil servants and staff managed with reference to the Civil Servant Law shall be prescribed by the State Council.