养老金怎么领？能领多少？城乡居民养老保险待遇详解

Group 1 - The article discusses the differences between Urban-Rural Resident Pension Insurance and Enterprise Employee Pension Insurance, highlighting that the former is voluntary and targets residents and flexible workers, while the latter is mandatory and involves monthly contributions from both employers and employees [2][3]. - The calculation formula for the monthly basic pension under the Urban-Rural Resident Pension Insurance is provided, which includes a basic pension and a personal account pension based on accumulated savings [4][6]. - The current standard for the basic pension is set at 165 yuan per month, with future adjustments based on national standards and local economic conditions [5][6]. Group 2 - Conditions for receiving pensions under the Urban-Rural Resident Pension Insurance require individuals to be at least 60 years old and meet specific contribution years [8][11]. - If an individual has not contributed for 15 years by the time they reach 60, they must make up the contributions to qualify for the pension [10][11]. - It is clarified that individuals cannot receive benefits from both the Enterprise Employee Pension Insurance and the Urban-Rural Resident Pension Insurance simultaneously [13][14]. Group 3 - The article introduces the "automatic eligibility" feature for the Urban-Rural Resident Basic Pension, which allows eligible individuals to receive notifications about their pension eligibility without needing to apply [15][18]. - The process for confirming personal information through the "Chongqing Human Resources and Social Security" app is outlined, making it easier for individuals to access their pensions [18][19].