What is the basic old-age insurance in rural areas, how is it, and what are the provisions of the payment law?

Rural social security policy in 215

The rural social security policy is guided by government organizations and adopts an institutional model combining social pooling with individual accounts. An endowment insurance policy that combines individual contributions, collective subsidies and government subsidies to ensure the basic livelihood of farmers after they get old.

In the pilot area of the new rural insurance, all insured persons who have participated in the old rural insurance and have reached the age of 6 and received the old rural insurance pension can directly enjoy the basic pension of the new rural insurance; For the insured who have participated in the old-age rural insurance, are under p>6 years of age and have not received the pension, the funds in the personal account of the old-age rural insurance should be merged into the personal account of the new rural insurance, and continue to pay according to the payment standard of the new rural insurance, and enjoy the corresponding treatment when they meet the prescribed conditions. Payment standard of new rural endowment insurance

Rural residents who participate in the new rural endowment insurance shall pay endowment insurance premiums according to regulations. At present, the payment standard is set to five grades in 1 yuan, 2 yuan, 3 yuan, 4 yuan and 5 yuan every year, and local governments can add payment grades according to actual conditions. Insured people choose their own grades to pay, and if they pay more, they will get more. The state adjusts the payment grade in a timely manner according to the increase of per capita net income of rural residents.

The first Social Insurance Law since the founding of New China came into effect. The insurance law stipulates that those who participate in the basic old-age insurance for employees who have paid less than 15 years when they reach the statutory retirement age can extend their contributions to 15 years. If it is still less than 15 years after the social insurance law is implemented and the payment is extended for 5 years, it can be paid up to 15 years in one lump sum. For those who have not continued to pay or whose accumulated payment period is still less than 15 years after the extension of payment, they can apply to transfer to the new rural social endowment insurance or urban residents' social endowment insurance and enjoy the corresponding pension insurance benefits. For those who are unwilling to extend the payment to 15 years or transfer to the new rural social endowment insurance or urban residents' social endowment insurance, they can apply for a one-time payment of their personal account.

The employer fails to pay the social security fee or is fined three times

The goal of the Social Insurance Law is to establish a social security system with no defects, no omissions in coverage and seamless connection, so that all people can have basic security in pension and medical care and have no worries. Its formal implementation marks that "national social security" has crossed the idea and entered the implementation stage.

If the payment is less than 15 years, the two ways can enjoy long-term pension benefits

"It is one of the necessary conditions for the old-age insurance insured to receive the pension if the accumulated payment is over 15 years." For a long time, those insured who have paid less than 15 years in retirement can only choose to receive the amount stored in their personal accounts in one lump sum to terminate the basic old-age insurance relationship. Their old-age life lacks stable and long-term effective protection. In this regard, the Social Insurance Law has been greatly improved and expanded, and two ways have been added: allowing individuals to pay fees for 15 years; Transfer to new rural insurance or urban residents' old-age insurance, both ways can make the insured get long-term treatment of old-age insurance. Paying for 15 years is the "threshold" for enjoying long-term benefits

According to the relevant provisions of the state, "individuals who have participated in the basic old-age insurance will receive the basic pension on a monthly basis if they have paid for 15 years at the statutory retirement age". In other words, the minimum payment of 15 years is a necessary condition for the insured to receive a monthly pension. Zhang Ruishu, deputy director of the Provincial People's Social Welfare Department, said that there are three main considerations for the minimum payment period of 15 years. First of all, the life expectancy of China's population has reached 73 years. In order to achieve the balance of payments and long-term sustainable development of the old-age insurance system, it is necessary to set a minimum payment period; Secondly, no matter how you get employed, the payment period is accumulated, and most people can easily reach 15 years; Finally, from the international experience, most countries that implement the contributory old-age insurance system require a minimum payment period based on the actuarial results of long-term fund balance between payment and treatment. In fact, the new pension insurance policy still has many shortcomings, which need to be further revised and implemented.

Rural social endowment insurance is an important policy that benefits farmers' vital interests, and promotes family harmony. At present, it is the payment period of rural social endowment insurance. In order to let the masses know more about the policy, actively participate in insurance and renew insurance, and ensure the participation rate of rural endowment insurance in 214, Zhangjiaxiang Party Committee and government attach great importance to it, and carefully organize and deploy it, through the implementation of leadership package, village cadres and village cadres. In order to ensure the timely completion of the target task of rural social endowment insurance collection, the Party Committee and government of Zhangjiaxiang regard the rural social endowment insurance policy as a project that warms people's hearts and benefits people's livelihood, tamp down their responsibilities at different levels, decompose the target tasks, and increase publicity efforts. By holding mass meetings, distributing publicity materials, understanding cards, hanging banners, posting publicity slogans and other forms, the rural social endowment insurance policy will be publicized to the fields and the homes of every household. At the same time, each handler is required to be highly responsible, find out the foundation, know fairly well, and strive to ensure that all insurance is guaranteed.

introduction of rural social security policy

rural social security is a personal account of old-age insurance established by the state for each new rural insurance participant. Individual contributions, collective subsidies, subsidies from other economic organizations, social welfare organizations and individuals to the insured, and subsidies from local governments to the insured are all credited to individual accounts. At present, the amount stored in personal accounts bears interest every year with reference to the one-year deposit rate of RMB in financial institutions announced by the People's Bank of China.

the state will establish and improve the financial accounting system of the new rural endowment insurance fund. The new agricultural insurance fund shall be incorporated into the financial special account of the social security fund, with two lines of revenue and expenditure management, separate bookkeeping and accounting, so as to maintain and increase the value in accordance with relevant regulations. In the pilot stage, the new agricultural insurance fund will be temporarily managed at the county level, and with the expansion and opening of the pilot, the management level will be gradually improved; Where conditions permit, provincial management can also be directly implemented.

rural social security coverage

rural residents who have reached the age of 16 (excluding students at school) and have not participated in the basic old-age insurance for urban workers can voluntarily participate in the new rural social security insurance at their domicile.

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