欢迎扫描下方二维码关注： 故事一：返乡务工的社保疑问 随用人单位参保 用人单位应当自用工之日起 30日内 ，为其职工向社会保险经办机构申请办理社会保险登记。 每月缴多少 ？ 月缴费金额=本人月缴费基数×缴费费率 其中：随用人单位参保人员，职工月缴费基数为 本人上年度月平均工资 ，新入职的员工，当年月缴费基数为起薪当月工资； ✦若本人上年度月平均工资（起薪当月工资）低于上年度全市就业人员平均工资60%的，则按上年度全市就业人员平均工资60%作为月缴费基 数； 举个例子 假设小马在重庆的月工资为10000元，正好在缴费基数范围内，那么每月养老保险扣 800元（10000×8%） ，单位帮他缴 1600元 （10000×16%） 。 明白了！那我在广东缴了八年，加上回重庆后缴的，以后养老金是不是更高？ 没错！养老保险是 "多缴多得、长缴多 得" 。你在广东那八年，加上以后在重庆缴的年限将会累计计算，个人账 户金额也会全部合并。等你退休时，领的养老金自然更可观。所以建议你回重庆稳定后，一定要督促单位及时参 保，千万别中断！ ✦若本人上年度月平均工资（起薪当月工资）高于上年度全市就业人员平均工资300%的，则按上年度全 ...

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].