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有农民朋友问思之想之,从2010年开始参加城乡居民养老保险,一年只交500元,交20年后能领多少养老金?
没错,现在农民可以参加的是城乡居民养老保险,这种保险是按年缴费,一年缴纳一次。
城乡居民养老保险分为不同的缴费档次,农民可以根据自己的经济能力参加,各地的档次不尽一致,经济能力强的可以多交一点,经济能力弱的可以少交一点。
对于城乡居民养老保险来说,缴费档次越高,相应的政府补贴也就越高,这是为了鼓励大家选择高的缴费档次,因为养老金是多缴多得。
一年只交500元,相当于一个月只交41元,这显然属于缴费档次很低的,所以以后能拿到的养老金也就不会高。
城乡居民养老金由两部分组成,一是个人账户养老金,二是基础养老金,基础养老金各地是不一样的,全国最低的标准是70元/月,这部分钱由政府负担。
之前每月交41元,然后每月能领到229元的养老金,还是挺划算的,虽然比较低,这200多元至少可以够1个月的买菜费用了。
知足常乐。那么,你参加社保了吗?
更多社保问题,关注思之想之。
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