If the pension insurance is paid 3, yuan a year, the total personal pension can reach about 45, yuan after 15 years, assuming that it is 55, yuan including interest. The amount of money deposited in the personal account of pension insurance includes three aspects: individual contributions, collective subsidies and state subsidies. Like employee pension insurance, the pension benefits of personal accounts can be calculated by dividing the total amount of personal accounts by the corresponding number of months.

together with collective subsidies and state subsidies, for example, Shandong province is 142 yuan/month, and the total salary can reach 538 yuan. However, due to the different standards of local government subsidies, the basic pension is also different. On the whole, if the rural old-age insurance pays 3, yuan a year, the lowest place can receive more than 4 yuan a month, and the highest can reach more than 1,5 yuan. This standard is basically available in Shanghai.

1. How old can I get the pension

Individuals who participate in the basic old-age insurance can get the basic pension on a monthly basis after they have paid the accumulated contributions for 15 years when they reach the statutory retirement age. Men are over 6 years old, women workers are over 5 years old and women cadres are over 55 years old.

the retirement age of female workers can be flexible, that is, female workers who meet the retirement conditions are in good health and meet the needs of work. According to the corresponding operation methods formulated by the enterprise according to their own reality, one month before reaching the statutory retirement age, their retirement age can be appropriately delayed with the consent of the enterprise, and their retirement age can be at least one year, and they should be operated for the whole year, but the longest one should not exceed 55 years old.

Second, is there an age limit for paying pensions?

There is an age limit for paying pensions. Because pensions, as the name implies, are meant to be enjoyed in old age, if the age is too high to accumulate the necessary fund amount when the age is right, then there is no need for such pensions to exist.

Social security requires a minimum payment of 15 years before the statutory retirement age, which determines the age limit for participating in old-age insurance. Old-age insurance is the main source of income after people lose their ability to work. After people have income from work at the beginning, they should take part of their labor income to participate in old-age insurance and prepare for their old age.

Before 218, the maximum payment limit of rural old-age insurance in many areas was around 2, yuan. After 218, most areas broke the payment limit of 2, yuan and raised it to 3, yuan, 4, yuan, 5, yuan or even 8, yuan. As a medium grade, 3, yuan is considered by many people.

how is the rural endowment insurance calculated?

The pension of rural endowment insurance mainly includes two parts, basic pension and personal account pension.

the basic old-age pension is shared by the central and local governments. The minimum standard of the national basic old-age pension is 93 yuan monthly, with different standards in different regions, such as 142 yuan/month in Shandong, 192 yuan/month in Qingdao, 173 yuan/month in Jiangsu, 5 yuan/month in Wuxi, 82 yuan/month in Beijing and 1,2 yuan/month in Shanghai. Personal account pension is the part paid by the individual+the part subsidized by the state, and the total amount deposited in the personal account is divided by 139 months. For example, Henan Province pays a fee of 3, yuan, and the government subsidizes 28 yuan; Shanghai pays 33 yuan and the government subsidizes 575 yuan.

calculation formula: monthly pension = basic pension+old-age allowance+(sum of individual contributions+total government allowance+account interest) /139.

Take the grade of 3, yuan as an example:

The minimum standard of basic pension is 93 yuan/month, and the maximum standard is 1,2 yuan/month. The sum of individual contributions is: 3*15=45 yuan.

total amount of government subsidies: 5 yuan/year *15=75 yuan. Account interest: According to the current interest standard of .35%/ month, the total interest is 45, * .35% * 12 = 1,89 yuan.

monthly pension = 93+(no old-age allowance for 6 years old) +(45+75+189)/139

Can rural old-age insurance be paid in one lump sum?

At present, most areas in China allow urban and rural residents to pay their old-age insurance in one lump sum. There are two ways to pay it. One way is to pay it in one lump sum, which can last for up to 15 years. If you reach the legal retirement age of 6 and fail to meet the minimum payment period.

legal basis:

article 14 of the accounting system for social insurance funds, the income of the basic endowment insurance fund for enterprise employees includes the income of basic endowment insurance premium, financial subsidy income, interest income, entrusted investment income, transfer income, higher-level subsidy income, lower-level paid-in income and other income. Among them, the income of basic old-age insurance refers to the basic old-age insurance premiums paid by units and individuals according to the prescribed payment base and payment ratio.