Many people in rural areas do not have a pension, so what will they do when they are old?

The elderly in rural areas do not have pensions and cannot work in the fields. What will they rely on for their old age in the future? The question is realistic. As a rural elder, if he has never worked in the city, then he may not have paid employee pension insurance.

Of course, partly because children may have ideal economic conditions, and children may also help their parents pay social security for flexible employment, but this is a minority group, and most of the elderly in rural areas may not work in the city, so they will lose the situation of paying social security for employees.

Therefore, most of the elderly who stay in the countryside have chosen the endowment insurance, which is basically the old new rural cooperative endowment insurance, which is today's endowment insurance for urban and rural residents. One of the characteristics of this type of pension insurance is that the annual contribution level is relatively low. Before 2018, the minimum annual standard was only 100 yuan to complete the corresponding payment.

After 2019, although the minimum payment standard has been increased from 100 yuan to 200 yuan, there are still many rural elderly people who choose 200 yuan as the minimum standard for paying this rural pension insurance.

At the current price level, if your monthly pension is less than 200 yuan, can you guarantee your retirement? I believe that this answer is clear at a glance, and many people will not be enough. As rural elderly, they do not rely entirely on pensions for their old age, because the level of pension treatment is too low to be ignored.

Therefore, most of the rural elderly do not take the so-called rural pension as their retirement income at all.

In fact, the common way to provide for the elderly in rural areas is to work in their own fields, no matter how old they are, even if they are in their 60s or 70s, as long as they can work the one hand, they can produce crops to obtain corresponding economic income, and on the other hand, they can also achieve their most basic rations. They don't need to plant a lot of fields, but at least enough to sustain the basics. This is the current situation of many elderly people in rural areas, and the same will be true for the elderly who have lived in rural areas for a long time.

It's impossible to do nothing at home all day.

However, when your physical condition does not allow you to continue working in the field, you can only choose to retire at home. There is no doubt about it. However, when you lose the income from working in the fields, your own financial expenses really become a problem.

Some elderly people still live in rural areas, and their wives take care of each other, but their children are given corresponding economic subsidies, which are about 1,000 yuan less per month, which can basically meet the needs of daily life.

Some children simply bring their parents directly to the city to live together and live together, and it is also a relatively common model to use this companionship home care to achieve parental care. However, some parents may not want to leave their rural hometown. After all, they have lived for decades, and the countryside is also where parents and adoptive parents were born.

There is a feeling of falling leaves returning to their roots. What if they don't want to leave the countryside? Some of them often choose nursing homes in rural areas to support the elderly.

Therefore, the issue of supporting the elderly in rural areas depends on the wishes of the parents on the one hand, and on the other hand, it must be finally decided in light of the actual situation of the family.

When they reach old age, they can only be supported by their own children, or they can choose to apply for poverty benefits.

They may rely on their children to support themselves, the pressure on their children is very high, and the children's life is not very good.

Nowadays, many rural areas have rural medical insurance, and they can be reimbursed in this way, so that there can be a certain amount of protection.

This topic is not right, the word pension in '92 has already been retired, and it will be called pension in the future, and the pension is obtained by paying social security, and the basic pension for farmers is given by the state, and the nature is different.

They may live on some subsidies from the state, and their consumption in the countryside is not particularly high, and they can live very peacefully.

Legal analysis: The new policy stipulates that before August 31 this year, urban and rural residents over the age of 60 can receive a basic pension on a monthly basis without paying contributions, and the standard is 80 yuan per person per month, which is 25 yuan higher than the national standard of 55 yuan per person per month.

Legal basis: Social Insurance Law of the People's Republic of China

Article 11 The basic endowment insurance shall be combined with social pooling and personal accounts.

The basic endowment insurance is composed of employer and individual contributions, as well as subsidies.

Article 12 The employer shall pay the basic endowment insurance premiums in accordance with the proportion of the total wages of its employees stipulated by the state, which shall be credited to the basic endowment insurance pool.

Employees shall pay basic pension insurance premiums in accordance with the proportion of their wages stipulated by the state, which shall be credited to their personal accounts.

Individually-owned businesses without employees, part-time employees who have not participated in the basic pension insurance in the employer, and other flexibly employed persons who participate in the basic pension insurance shall pay the basic pension insurance premiums in accordance with the provisions of the state, which shall be credited to the basic pension insurance co-ordination and personal accounts respectively.

Article 13 Before the employees of state-owned enterprises and public institutions participate in the basic endowment insurance, the basic endowment insurance premiums that should be paid during the deemed payment period shall be borne by the first employee.

When the basic endowment insurance is insufficient, it will be subsidized.

Legal analysis: handling of rural endowment insurance: 1. Insured persons can bring relevant materials to the village committee where their household registration is located to apply for participating in the new rural insurance; 2. Fill in the registration form for the new rural social endowment insurance and select the level of insurance payment; 3. After the staff review, it will be registered.

Legal basis: Regulations for the Implementation of the Social Security Law

Article 2 When an individual who participates in the basic pension insurance for employees reaches the statutory retirement age, and the cumulative contribution is less than 15 years, the payment may be extended to 15 years. If the insurance is still less than 15 years after the five-year extension of the social insurance law before the implementation of the Social Insurance Law, a one-time payment may be made up to the full 15 years.

Article 3 After the individual who participates in the basic old-age insurance for employees reaches the statutory retirement age, the cumulative payment is less than 15 years (including the extension of payment in accordance with the provisions of Article 2), he may apply for transfer to the new rural social endowment insurance or the social endowment insurance for urban residents in the place of household registration, and enjoy the corresponding endowment insurance benefits.

Legal analysis: Rural people have not returned their bodies for thousands of years, and they have lived for generations in the same way. 1. He is supported by his children and other family members, and 2. He is supported by his own labor savings. 3. Rural nursing homes to feed.

Legal basis: Social Insurance Law of the People's Republic of China Article 29 The part of the medical expenses of the insured persons that should be paid by the basic medical insurance** shall be directly settled by the social insurance agency and the medical institutions and drug business units. The social insurance administrative department and the health and health administrative department shall establish a system for settling medical expenses for medical treatment in other places to facilitate the insured to enjoy basic medical insurance benefits.

I think that in order to live out their old age in peace, these people who do not have a pension should be prepared in the following aspects:

1. Make sure you have a good body, and make money while taking care of your body.

You can't work hard to earn money for the elderly or to subsidize your children and grandchildren. For example, some people go to two shifts and rotate in a row, so that the gains outweigh the losses, although they earn a few dollars, but they spoil their bodies, and their children and grandchildren will dislike them in the future, and they will suffer crimes, which is absolutely undesirable.

Second, we must really know ourselves, what are the advantages and disadvantages, and which industry we are best at. Find a small business with a small capital and suitable for the elderly, and you can do it until you die of old age. You can choose one to do to support yourself and ensure your own consumption.

For example, in my hometown, there are a few old people, some selling rapeseed and some selling haberdashery, they drive a tricycle to the market every day, and they are still doing business until two or three days before they die. Although they don't make much money, they have enough money for their own consumption and adjust their spiritual life. I think they made the wisest choice.

Third, life should be as simple as possible, do not pursue flashy things, spend rationally, have a plan, can not compare with others without opinions, and do your best to save a few pension money in case of accidents.

Fourth, as long as you have the ability, unless you have a serious illness and cannot take care of yourself, you generally try not to affect your children and grandchildren.

Fifth, to have a healthy mentality, no matter how rich a person is, he also eats three meals a day, he can't eat outside the stomach, no matter how much room there is, sleeping also occupies two or three square spaces. Don't despise yourself, enjoy and live every day, and put your worries aside. You can't be self-despised and broken, which will harm yourself and your family.

The above are a few of my thoughts, right and wrong, I hope you will discuss it hotly!

On the reasons why the peasants do not have a pension:

1. Farmers are linked to land, which is difficult to assess and quantify;

2. There is a large elderly population in rural areas, and there is a funding gap; Closed pins.

3. All kinds of subsidies make up for the vacancy of farmers' pensions.

According to the relevant labor and social security policies, those who enjoy the basic pension insurance must meet the following three conditions before they can receive the basic pension insurance on a monthly basis after retirement

1. Cover and participate in the basic endowment insurance of urban enterprises;

2. The payment period of the individual is 15 years;

3. Fulfill the payment obligation and reach the national statutory retirement age (including special types of work, policy-based early retirement and sick retirement).

1. Men over 60 years old, women over 50 years old (female employees in long-term management and technical positions at least 55 years old);

2. Retirement before special types of work: Engaged in underground, high-altitude, high temperature, low temperature, particularly heavy physical labor or other work harmful to physical health, men over 55 years old, women over 45 years old, engaged in special types of work for a specified number of years, can apply for early retirement;

3. Early retirement due to illness: 1 year old for men over 50 weeks, 1 year old for women, 45 years old for women, disabled due to illness or non-work, confirmed by the above labor appraisal committee, can apply for sick retirement.

Legal basisArticle 16 of the Social Insurance Law of the People's Republic of China.

Individuals who participate in the basic pension insurance and have paid contributions for 15 years when they reach the statutory retirement age shall receive the basic pension on a monthly basis. Individuals who participate in the basic endowment insurance and have paid contributions for less than 15 years when they reach the statutory retirement age can pay for 15 years and receive the basic pension on a monthly basis; It can also be transferred to the new rural social endowment insurance or urban residents' social endowment insurance, and enjoy the corresponding endowment insurance benefits in accordance with the regulations.