How to prepare rural parents for retirement?

The elderly in rural areas, it has a characteristic, that is, the usual level of living consumption is relatively low, because the usual consumption level is relatively low, in this case it means that they do not need to have a high economic income, of course, most people in rural areas, choose to participate in the new rural cooperative pension insurance, and the level of insurance contribution is not very high, so the final enjoyment of the pension received every month is not a particularly high standard.

But they can also rely solely on this rural pension to make their own living. This is because in rural areas, in addition to having the most basic rural pension, do you also have your own self-cultivated land, through which some crops can be exchanged for a certain income. This is the basic status quo of rural life, of course, the elderly can still farm when their physical conditions allow, if their physical conditions do not allow them to farm, then their income may be reduced and reduced, and they should be subsidized through their children.

For example, your children's economic conditions are relatively good, and you can give you a few hundred yuan or 1,000 yuan a month, then you can also meet your most basic life, but a more important problem is that you may need someone to accompany you at home when you are old, and take care of the problems faced by many elderly people at this time. If you need someone to accompany you at home, then most of your children actually work in the city, because there is a high salary income in the city, there is no way to return to the countryside, what should I do? We can only let our parents choose to go to the city and then let our children take care of them.

This is a more popular method, of course, there is also a kind of old man himself is not willing to go to the city to live, because he does not adapt to the rhythm of life in the city, so some in the township such a first-level unit have some nursing homes, then we can also send our parents to the nursing home, through the nursing home for the elderly, the cost level of the nursing home itself is not very high, so it is also able to fully bear, this is some more secure way.

But in any case, the economic foundation is very important, if your parents have a stable pension, for example, there is a staff pension treatment, and you can even get an income of one or two thousand yuan per month, then at least from the economic level, the financial burden on your children will be reduced a lot. If there is no such a stable pension, then from an economic point of view, as a child, you should bear more.

It is true that rural parents or those who work in rural areas do not have as comprehensive basic security as urban workers (although urban workers are also difficult to insure themselves), but their personal security investment is much less than that of urban workers, after all, they have one acre and three points of land. The people of the city have nothing but human capital. For parents in rural areas, their daily actual living expenses are not too much, and 2,000 yuan in cash a month should be enough to meet living expenses.

So if you say that for the difference between 500-2000 yuan, the children can consider supplementing some commercial pure pension products to solve it. In addition to the cost of living for the elderly, the bigger problem that is easy to be overlooked is more likely to be uncertain medical expenses. If the children are in the city and the parents are in the countryside, once they have a disease need, they may need to be sent to the city for medical treatment, and the original supporting role of NCMS may be greatly reduced.

If the current physical condition of the parents allows, you can supplement some medical reimbursement insurance.

Children are obligated to support their parents. Children perform the obligation of support to their parents, and maintenance refers to the material and economic provision of the necessary living conditions for the parents, and the children, as the supporters, shall fulfill the obligation to provide financial support, daily care and spiritual comfort to the elderly, and take care of the special needs of the elderly. Both sons and daughters have an obligation to support their parents.

Article 26 of the Civil Code Parents have the obligation to raise, educate and protect their minor children. Adult children have an obligation to their parents to support, support and protect them. Article 1067 Where parents fail to fulfill their obligation to support them, minor children or adult children who are unable to live independently have the right to demand that their parents pay child support.

Parents who fail to fulfill their obligation to support their adult children, who lack the ability to work, or who have difficulties in making ends meet, have the right to demand alimony from their adult children.

We know that five insurances and one housing fund include endowment insurance, medical insurance, unemployment insurance, work-related injury insurance and maternity insurance; "One housing fund" refers to the housing provident fund, and the five insurances are statutory. 1. How to pay rural pension insurance? Rural social endowment insurance is an important part of social insurance (non-commercial insurance), which is a social insurance system in which non-urban personnel pay a certain amount of labor income, obtain help from the state and society when they lose their ability to work, and enjoy pensions.

At this stage, the formation of rural social pension insurance is the result of years of socio-economic and cultural background accumulation, and the backwardness of rural economy is the most basic reason for old-age insurance. Rural endowment insurance is based on individual contributions, supplemented by collective subsidies, and supported by national policies, which clarifies the responsibilities of individuals, collectives and the state. Rural endowment insurance can be paid regularly, irregularly and at one time.

2. The treatment of rural endowment insurance 1. If the insured dies during the payment period, the individual shall pay all the principal and interest and return it to his legal heir or designated beneficiary. 2. The insured receives a pension with a guarantee period of 10 years. If you die less than 10 years after receiving the pension, the balance of the pension during the guarantee period can be inherited.

If there is no heir or designated beneficiary, the funeral expenses shall be paid in accordance with the relevant provisions of the rural social pension insurance management institution. If the recipient has lived for more than 10 years, the pension is paid until death. 3. The insured object moves from the county (city) to the field.

If the rural social endowment insurance system has not yet been established in the place where they move in, they can refund all the principal and interest paid by the individual to themselves. 4. The policyholder can transfer the insurance relationship (including funds) to the new insurance track, or return all the principal and interest paid by the individual to him.

Article 20 of the Social Insurance Law The State shall establish and improve a new type of rural social endowment insurance system. The newly promoted jujube rural social endowment insurance implements a combination of individual payment, collective subsidy and ** subsidy. Article 21 of the Social Insurance Law provides that the benefits of the new rural social endowment insurance shall consist of a basic pension and a pension in a personal account.

Rural residents who participate in the new rural social endowment insurance and meet the conditions stipulated by the state shall receive the benefits of the new rural social endowment insurance on a monthly basis.

At present, the elderly in rural areas rely on their children, and the vast majority of them are supported by children. Combined with the actual situation of old-age care, it is unrealistic to rely solely on children to provide for the elderly, and the phenomenon of children not supporting the elderly is increasing year by year. Therefore, for the elderly in rural areas, they can improve the quality of life of the elderly by having multiple options for the elderly.

For the elderly in rural areas, old-age care is nothing more than food, clothing, housing and transportation, and if they are sick, they can be sent to the doctor in time, and there will be no other things that need to be done.

In view of the problems in the current pension process, three feasible pension paths are proposed for the elderly to choose: first, strive to improve the income level when they are young, and deposit is the basis of pension, otherwise they lack the right to speak in the pension process; The second is to spend money to hire nannies, which are relatively cheap and affordable in rural areas; The third is to go to nursing homes for the elderly, now there are basically nursing homes in towns and villages in China, the infrastructure construction is very perfect, and nursing homes can meet like-minded elderly people. The three methods mentioned above are all based on the economic foundation, and if the economic foundation is not in place, there will be problems in the pension brigade.

The elderly in rural areas are the most short of money for the elderly, and it will be difficult to move an inch without money, and it is difficult to get good protection. Rural areas in China will give the elderly a certain living allowance every month, and the amount will vary from place to place, and the amount will be roughly between 100-300 yuan. Obviously, this kind of amount is difficult to meet the needs of the elderly, and it cannot ensure the normal pension of the elderly in rural areas.

Combined with the actual situation, four suggestions are put forward for the rural elderly in China: first, improve the construction of rural elderly care infrastructure, such as the procurement and construction of nursing homes and exercise facilities; the second is to increase the pension subsidy, according to the actual situation in various places to increase the amount of pension for the elderly in rural areas; the third is to revise the relevant regulations on the elderly in rural areas to ensure that the elderly can rely on the provisions for the elderly; Fourth, farmers are encouraged to reduce the amount of labor after reaching a certain age and be able to live a positive and optimistic life. The elderly in rural areas have worked hard all their lives, and when they reach the age, they need to receive basic living security and improve their quality of life, otherwise it may lead to social problems.

For farmers, relying on the elderly is the focus of old-age care, and child support is the most traditional way to provide for the elderly. The actual situation in the rural areas is that young people basically need to go out to work, and there is no one to support the elderly. Therefore, it is most important to vigorously develop the rural economy and attract young people from rural areas to return to their hometowns, so that young people can take the initiative to take on the responsibility of supporting the elderly when they return to their hometowns.

The elderly in the city are very happy compared to the elderly in the countryside, at least they do not have to worry about their livelihood, but the elderly in the rural areas have to think about their livelihood, and even need to work in the fields. Land is the means of production, but it needs to be based on productivity, and the productivity of the elderly can be imagined.

First of all, there are many insurance options available in rural areas. For example:

1. If you are worried about the pension of your parents, you can choose rural pension insurance.

2. If you are worried about your parents' medical problems, you can choose rural cooperative medical insurance.

3. In response to the national policy of serving the three rural areas, some commercial insurance companies have also developed some family property insurance and farmers' accident insurance.

4. Of course, if you have a certain financial ability, you can also apply for commercial life insurance, accident insurance, etc.

Extension: 1. NCMS.

The new type of rural cooperative medical care, referred to as "NCMS", refers to the system of mutual medical assistance and mutual aid for farmers that is organized, guided and supported by the first and the other, with the voluntary participation of farmers, and the financing of individuals, collectives and multiple parties. Funds are raised by means of individual payment, collective support and funding.

In October 2002, China made it clear that all levels should actively guide farmers to establish a new type of rural cooperative medical system that focuses on the overall planning of serious diseases. In 2009, China made an important strategic plan to deepen the reform of the medical and health system, and established the status of the new rural cooperative as the basic medical security system in rural areas. Today, the National Health and Family Planning Commission and the Ministry of Finance issued a notice on doing a good job in the 2015 new rural cooperative medical work, proposing that the per capita subsidy standard for the new rural cooperative medical system at all levels will be increased by 60 yuan on the basis of 2014 to 380 yuan.

2. New Rural Insurance.

The new type of rural social endowment insurance (referred to as the new rural insurance) is to ensure the basic life of rural residents in old age for the purpose, the establishment of individual payment, collective subsidies, subsidies combined with the financing model, pension treatment by the social overall planning and personal accounts, and family pension, land security, social assistance and other social security policies and measures matching, by the organization of the implementation of a social pension insurance system, is an important part of the national social insurance system.