At the end of last year, the number of elderly people over 60 years old in my country reached 267.36 million, accounting for 18.9% of the total population. Our country has gradually entered a deeply aging society.
my country's pension insurance system was only fully established in 1992, and it has been improved for more than ten years later. At the beginning, people did not pay attention to the pension insurance system. As the number of elderly people increases, people have become more and more deeply aware of the importance of pensions.
Speaking of which, the most important thing in participating in pension insurance is the last five years, and individuals must attach great importance to it.
first, make good plans for pensions.
When you are young, you may feel that it is still early to old age and that true retirement is approaching, but you often lament the lack of accumulation of pension savings.
Pension insurance is to pay more and get more, and pay more and get more and get more. In the last five years, you can adjust the pension based on whether you continue to pay and whether you choose to pay a high-base payment.
The condition for receiving pension insurance is to pay a minimum of 15 years, but the pension will increase according to accumulation for every additional year of payment. Basically, every year of extra pension insurance paid, the pension can increase by 80 to 200 yuan. Choose different contribution bases and the pensions that can be increased are also different.
Although it is also important to have a savings in the elderly, it must be reasonably matched for the elderly. After all, pensions are adjusted every year based on social wages and price growth, and their ability to maintain and increase value is much stronger than personal savings.
If you say that in the last five years, individuals have more savings, it is recommended to convert them into social security payments.
Second, social insurance subsidy.
In order to help the elderly find employment and reduce the cost burden on them or employers, the state provides social insurance subsidies to older people with employment difficulties.
Generally speaking, a person can apply for subsidies for people with employment difficulties for no more than three years, but if the first application is less than five years away from retirement, it can be extended until retirement.
The specific standards for social insurance subsidies are different in each place. The general subsidy limit is 66% of the payment part borne by the employer and the payment of flexible employment personnel.
For example, for flexible employment personnel in Qingdao City is 500 yuan per month. Hainan Province is 66% of my own payment burden, but the payment base shall not exceed 100%.
In this case, for flexible employment personnel to participate in insurance, they can spend a small amount of money to do big things. Qingdao City’s flexible employment personnel pension insurance only needs to pay a monthly fee of 796 yuan, and only 296 yuan is left after the subsidy is completed. If you pay for one year, the monthly pension will increase by at least 80 yuan, and it will be more than 400 yuan in 5 years, which is very cost-effective.
Third, personal accounts accumulate a lot.
Participate in pension insurance payment for the last five years, and in fact, there will be more accumulation in personal accounts.
Generally speaking, we will be charged to our personal account at 8% of the payment base. In recent years, the annual contribution base has been increasing, and the growth rate is often above 8% to 10%. Therefore, the personal account balance accumulated every year will be more than in the previous year.
Since 2016, the personal account accounting rate of employees' basic pension insurance was uniformly announced by the Ministry of Human Resources and Social Security Ministry of Finance, which was as high as 8.31% that year, and has been above 6%~8% in recent years. The corresponding bookkeeping interest rate is much higher than the bank deposit interest rate.
The balance of the pension insurance personal account can be inherited from by . Receive it monthly when you retire. After receiving it, you will pay for the unified fund, and the corresponding personal account pension will ensure that the retirement benefits will not change. Therefore, it is very cost-effective to accumulate more personal accounts.
From the above three perspectives, it is indeed very important to participate in pension insurance in the last five years. Elderly people who are about to retire must attach great importance to the payment in these five years and must determine the payment based on their own situation.
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-