The problem of farmers' pension has always been a big concern of the whole people. They generally have no pension to receive when they are 50 or 60 years old. So what kind of pension is good for farmers? What kinds of rural pension are there? Let's take a look.
There are two kinds of endowment insurance: commercial endowment insurance and social endowment insurance.
Commercial endowment insurance is a long-term life insurance with the main purpose of obtaining pension, and it is a supplement to social endowment insurance. Generally, the insured of commercial endowment insurance can start to receive pension from a certain age after paying a certain insurance premium. For commercial endowment insurance, if there is no special provision, the time interval for the insured to pay the insurance premium is equal, the amount of the insurance premium is equal, the interest rate during the whole payment period remains unchanged, and the interest frequency is equal to the payment frequency. The number of farmers buying commercial endowment insurance is less, which will not be discussed in detail here.
At present, there are mainly two ways to pay social endowment insurance.
One is the basic endowment insurance with a working unit, which follows the national basic endowment insurance system. It is divided into individual payment part and unit payment part, which are paid monthly. The individual payment part is paid by the unit first and withheld in the employee's salary payment. The unit payment part is paid by the unit every month. The payment standard refers to the social security management regulations of various provinces and cities. For example, 10% of employees' monthly pension income is included in the social pension insurance account of Shenzhen. You can start to receive a pension when you retire. For the problem of working in more places and paying endowment insurance in more places, you can inquire about the relevant policies of transferring insurance.
Another kind of social endowment insurance for farmers refers to the new rural endowment insurance. For specific policies, refer to the guidance on the pilot of new rural social security endowment insurance issued by the State Council in 2009, which is mainly aimed at the farmers who have no work units and work in the household. The national policy is that the new rural insurance fund is composed of individual payment, collective subsidy and government subsidy. Individual payment: rural residents participating in the new rural insurance shall pay endowment insurance premium according to regulations. The payment standard is set at five levels of 100 yuan, 200 yuan, 300 yuan, 400 yuan and 500 yuan per month. Local governments can add payment levels according to the actual situation. The insured can choose their own level of payment and pay more. The net income of rural residents should be adjusted according to the growth of national per capita income. The old-age pensions receive the elderly who have the conditions of 60 years old and do not enjoy the basic old-age insurance benefits of urban workers.
At present, there are some differences in the new rural social security and endowment insurance policies implemented by local governments. If farmers want to buy this kind of endowment insurance, they can consult the local social security bureau or township authorities, and go through the relevant procedures in the Social Security Bureau. The national policy stipulates: when the new rural insurance system is implemented, those who have reached the age of 60 and do not enjoy the basic endowment insurance benefits of urban workers do not need to pay, but they can receive the basic pension by month, but their children who meet the insurance conditions should participate in the insurance payment; those who are less than 15 years away from the age of receiving should pay by year, and they are also allowed to make up the payment, and the cumulative payment is not less than 15 years; those who are more than 15 years away from the age of receiving The total payment shall not be less than 15 years. We should guide young and middle-aged farmers to actively participate in the insurance and pay long-term contributions, so that long-term contributions will bring more benefits. The specific measures shall be formulated by the provincial (District, municipal) people's government. In many provinces and cities, the age for men and women to receive pension is 60, 50 or 55 respectively; as for the supplementary payment period, many provinces and cities use the supplementary payment until 2000, that is to say, the pension insurance from 2000 to now can be paid up at one time, and the follow-up payment will be made according to the annual standard, at least 15 years. They will begin to receive the pension when they reach the prescribed age.
Suggestions: farmers with work units can pay basic endowment insurance, those without work units can buy new rural endowment insurance at the local social security bureau; farmers with economic capacity can buy some commercial endowment insurance.