Some problems about rural endowment insurance!

New policy of endowment insurance for urban residents

People's governments of all provinces, autonomous regions and municipalities directly under the Central Government, ministries and commissions and institutions directly under the State Council:

According to the spirit of the 17th National Congress of the Communist Party of China, the Outline of the Twelfth Five-Year Plan for National Economic and Social Development of the People's Republic of China and the Social Insurance Law of People's Republic of China (PRC), the State Council decided to carry out the urban residents' social endowment insurance (hereinafter referred to as urban residents' endowment insurance) on a pilot basis from 201/kloc-0. The following guiding opinions are put forward on the pilot work:

I. Basic principles

Old-age insurance for urban residents should hold high the great banner of Socialism with Chinese characteristics, take Deng Xiaoping Theory and Theory of Three Represents as the guidance, thoroughly implement Scientific Outlook on Development, and gradually solve the problem of old-age security for urban residents without old-age security in accordance with the requirements of accelerating the establishment of a social security system covering urban and rural residents. The basic principle of the urban residents' old-age insurance pilot is "basic, wide coverage, flexible and sustainable". First, starting from the actual situation of urban residents, starting at a low level, the financing standards and treatment standards should be adapted to economic development and the affordability of all aspects; Second, individuals (families) and the government share responsibilities reasonably, and their rights and obligations correspond; Third, the combination of government leadership and residents' wishes will guide urban residents to participate in insurance; Fourth, the central government determines the basic principles and main policies, local governments formulate specific measures, and urban residents' old-age insurance implements territorial management.

Second, the mission objectives

Establish an old-age insurance system for urban residents that combines individual contributions with government subsidies, social pooling and individual accounts, and match it with other social security policies such as family pension, social assistance and social welfare to ensure the basic livelihood of urban residents in their later years. The pilot work was started on July 1 1, and the scope of implementation is basically the same as that of the new rural social endowment insurance (hereinafter referred to as the new rural social endowment insurance). In 20 12 years, the old-age insurance system for urban residents was basically covered.

Third, the scope of insurance.

Non-employed urban residents who have reached the age of 16 (excluding students at school) and do not meet the conditions for participating in the basic old-age insurance for employees may voluntarily participate in the old-age insurance for urban residents at their domicile.

Fourth, raise funds.

The endowment insurance fund for urban residents is mainly composed of individual contributions and government subsidies.

(1) individual payment. Urban residents who participate in endowment insurance for urban residents shall pay endowment insurance premiums according to regulations. At present, the payment standard is set at 100 yuan per year, 200 yuan, 300 yuan, 400 yuan, 500 yuan, 600 yuan, 700 yuan, 800 yuan, 900 yuan, 100 yuan and 10 grades. Local people's governments may add payment grades according to actual conditions. Insured people choose their own grades to pay, and pay more. According to the economic development and the growth of per capita disposable income of urban residents, the state adjusts the payment grade in a timely manner.

(2) government subsidies. The government pays the basic pension for urban residents in full to the insured who meet the conditions for receiving treatment. Among them, the central government gives full subsidies to the central and western regions and 50% subsidies to the eastern regions in accordance with the basic pension standards set by the central government.

The local people's government subsidizes the payment of the insured, and the subsidy standard is not less than 30 yuan per person per year; Appropriate encouragement may be given to those who choose higher-grade standard payment, and the specific standards and measures shall be determined by the people's governments of all provinces (autonomous regions and municipalities). The local people's government will pay part or all of the minimum standard old-age insurance premium for severely disabled people in cities and towns.

(three) to encourage other economic organizations, social organizations and individuals to provide financial support for the insured.

Five, the establishment of personal accounts

The state establishes an individual endowment insurance account for each insured person, which is recorded for life. Individual contributions, subsidies from local people's governments to insured persons and contributions from other sources are all credited to individual accounts. At present, the amount stored in personal accounts bears interest every year with reference to the one-year RMB deposit rate of financial institutions announced by the People's Bank of China.

Sixth, pension benefits.

Pension treatment consists of basic pension and personal account pension, which is paid for life.

The basic pension standard set by the central government is 55 yuan per person per month. Local people's governments may raise the basic pension standard according to the actual situation, and for urban residents who have paid for a long time, they may appropriately increase the basic pension, and part of the increased and increased funds shall be paid by local people's governments.

The monthly calculation and payment standard of personal account pension is the amount stored in personal account divided by 139 (the same as the calculation and payment coefficient of personal account pension in the current basic old-age insurance for employees and the new rural insurance). When the insured person dies, in addition to government subsidies, the balance of personal account funds can be inherited according to law; The balance of government subsidies is used to continue to pay the pensions of other insured persons.

Seven, pension benefits to receive conditions

Urban residents who have participated in the endowment insurance for urban residents can receive a monthly pension at the age of 60.

When the old-age insurance system for urban residents was implemented, they were over 60 years old and did not enjoy the basic old-age insurance benefits for employees and other old-age benefits stipulated by the state. They can receive a basic pension on a monthly basis without paying fees; If the age is less than 15, the annual payment is allowed, and the accumulated payment shall not exceed15; If the age is above 15, the fee shall be paid annually, and the accumulated fee shall not be less than 15.

It is necessary to guide urban residents to actively participate in the insurance payment, and pay more for it; Guide the children of urban residents receiving pension insurance benefits to pay insurance premiums according to regulations. The specific measures shall be formulated by the people's governments of all provinces (autonomous regions and municipalities).

Eight, treatment adjustment

According to the economic development and price changes, the state adjusts the minimum standard of basic old-age pension for urban residents in a timely manner.

Nine. fund management

Establish and improve the financial accounting system of the endowment insurance fund for urban residents. The endowment insurance fund for urban residents shall be included in the financial special account of social security fund, managed by two lines of revenue and expenditure, accounted for separately, and maintained and increased in accordance with relevant regulations. In the pilot stage, the endowment insurance fund for urban residents is temporarily managed by pilot counties (districts, cities and banners, hereinafter referred to as pilot counties). With the expansion and opening of the pilot, the management level is gradually improved; Where conditions permit, provincial management can also be directly implemented.

X. Financial supervision

The human resources and social security departments at all levels should earnestly perform the supervision duties of the endowment insurance fund for urban residents, formulate and improve the management rules and regulations of the endowment insurance for urban residents, standardize business processes, establish and improve the internal control system and fund audit system, monitor and regularly check the fund raising, transfer and distribution, and regularly disclose the information on the raising and payment of the endowment insurance fund for urban residents, so as to be open and transparent and strengthen social supervision. The financial, supervisory and auditing departments shall exercise supervision according to their respective responsibilities, and it is strictly forbidden to misappropriate funds to ensure the safety of funds. Social insurance agencies and neighborhood committees in the pilot areas publicize the eligibility of urban residents' treatment within the community every year and accept supervision by the masses.

XI。 Processing management service

In the pilot areas of urban residents' endowment insurance, it is necessary to carefully record the payment and treatment of urban residents, establish insurance files, and properly preserve them for a long time; Establish a national unified information management system for urban residents' old-age insurance, integrate it with the information management systems for employees' basic old-age insurance and new rural insurance, incorporate it into the construction of social security information management system ("Golden Insurance Project"), and share information resources with other citizens' information management systems; It is necessary to vigorously promote social security cards to facilitate the insured to pay by credit card, receive benefits and inquire about insurance information. In accordance with the principle of streamlining efficiency, the pilot areas should integrate existing social insurance management resources, establish and improve unified new rural insurance and urban residents' endowment insurance agencies, and strengthen capacity building. The endowment insurance funds for urban residents shall be included in the fiscal budget at the same level, and shall not be spent from the endowment insurance fund for urban residents.

Twelve. Links to related systems

Where conditions permit, the old-age insurance for urban residents should be combined with the new rural insurance. Other places should also actively create conditions to combine the two systems. Measures for the connection between urban residents' old-age insurance and workers' basic old-age insurance and other old-age insurance systems shall be formulated by Ministry of Human Resources and Social Security in conjunction with the Ministry of Finance. We should do a good job in matching and connecting the old-age insurance system for urban residents with the minimum living guarantee for urban residents, social preferential treatment and other policy systems. The specific measures shall be studied and formulated by Ministry of Human Resources and Social Security and the Ministry of Finance jointly with relevant departments.

Thirteen. Strengthen organizational leadership

The pilot work of endowment insurance for urban residents is led by the pilot work leading group of new rural and urban residents' social endowment insurance in the State Council (hereinafter referred to as the pilot work leading group of the State Council), and is organized and implemented. The State Council pilot work leading group studies and formulates relevant policies and supervises their implementation, summarizes and evaluates the pilot work, and coordinates and solves the problems in the pilot work.

Local people's governments at all levels should fully understand the great significance of carrying out the pilot work of endowment insurance for urban residents, incorporate it into the local economic and social development plan and the annual target management assessment system, and earnestly strengthen organizational leadership. Human resources and social security departments at all levels should earnestly perform the duties of the administrative department in charge of endowment insurance for urban residents, and do a good job in overall planning, policy formulation, unified management and comprehensive coordination of endowment insurance for urban residents in conjunction with relevant departments. The pilot work leading group in the pilot area is responsible for the pilot work in this area.

Fourteen, formulate specific measures and pilot implementation plan.

The people's governments of all provinces (autonomous regions and municipalities) shall formulate specific implementation measures for the pilot work according to this guidance and the actual situation in the region, and report them to the leading group for the pilot work in the State Council for the record; On the basis of full investigation, multi-party demonstration and careful calculation, we should put forward a feasible pilot implementation plan, select the pilot areas as required, and report to the leading group for pilot work in the State Council for approval. The pilot implementation plan of pilot counties was implemented after being approved by the people's governments of all provinces (autonomous regions and municipalities) and reported to the leading group of pilot work in the State Council for the record.

Fifteen, do a good job in public opinion propaganda.

Establishing the old-age insurance system for urban residents is an important decision to thoroughly implement Scientific Outlook on Development and speed up the construction of a social security system covering urban and rural residents, an important measure to adjust the income distribution structure and expand domestic consumption demand, an important policy to coordinate urban and rural development and promote the equalization of basic public services, and a major livelihood project to achieve a sense of security for the majority of urban residents and promote family harmony and social harmony.

All regions and relevant departments should adhere to the correct direction of public opinion, strengthen the propaganda of the significance, basic principles and policies of the pilot work, make this policy of benefiting the people deeply rooted in the hearts of the people, and guide eligible urban residents to actively participate in the insurance. At the same time, it is necessary to carry forward the virtues of respecting the elderly of the Chinese nation and guide children to fulfill their obligations of supporting the elderly according to law.

All localities should pay attention to the study of new situations and new problems in the pilot process, actively explore and summarize methods and experiences to solve problems, properly handle the relationship between reform, development and stability, and do a good job in pilot work. Important information should be reported to the leading group of the State Council pilot work in a timely manner.

the State Council

20 1 1 June 7, 2008

The new rural social endowment insurance (hereinafter referred to as the new rural endowment insurance) is a kind of social endowment insurance sponsored by the government, subsidized by the government and finally covered by the government. Unlike commercial insurance, it is not for profit. That is to say, after paying a certain insurance premium, rural residents in China get help from the state and society, enjoy a pension and ensure a basic living.

First, the basic principles and institutional model of the new rural social endowment insurance

Basic principles: "Guarantee basic, wide coverage, flexibility and sustainability". The basic guarantee is to ensure the basic life of the elderly in rural areas. Wide coverage is the universal coverage of rural school-age residents. Flexibility is to adapt to the characteristics of unstable income, large gap and frequent mobility of rural residents. Sustainability means scientific system, standardized management, convenient service and safe funds.

Institutional model: adopting the basic model of combining social pooling with individual accounts,

Financing method: individual contributions, collective subsidies and government subsidies are combined to raise funds.

Payment method of benefits: basic pension and personal account pension are combined to pay pension benefits.

Two, the main body and business department of the implementation of the new rural insurance. The county people's government is responsible for the organization and implementation of the new rural insurance, and the county human resources and social security bureau is in charge of the new rural insurance work in our county.

Third, participants and scope. Rural residents who have registered in Rongxian County, have reached the age of 16 (excluding students at school) and have not participated in the basic old-age insurance for urban workers are all insured objects of the new rural insurance. Rural residents who meet the conditions for insurance shall go through the insurance formalities at the village committee where the household registration is located with the original and photocopy of their ID card and household registration book (the first page and my page of the household registration book). (Fill in the registration form in quadruplicate)

Four, the new rural insurance payment standard. The payment standard of the new rural insurance is divided into ten grades: 100 yuan, 200 yuan, 300 yuan, 400 yuan, 500 yuan, 600 yuan, 700 yuan, 800 yuan, 900 yuan and 1000 yuan. The insured person chooses the payment grade independently and pays the fee annually.

Five, the insured to pay government subsidies. The insured pays fees and the government gives subsidies. The subsidy standard is 100 yuan per person per year, which is divided into five grades in 200 yuan, 300 yuan, 400 yuan and 500 yuan, and each grade is subsidized by 30 yuan, 35 yuan, 40 yuan, 45 yuan and 50 yuan respectively. Government subsidies above 600 yuan (including 600 yuan) are still subsidized according to 500 yuan standards.

Six, special groups of insurance payment and government subsidies. If the severely disabled people in rural areas and the five-guarantee recipients choose the lowest payment grade (i.e. 100 yuan), the government will pay in full; If rural residents choose the lowest payment grade, the government will pay half of the old-age insurance premium every ten years, that is, 50 yuan; In addition to paying all or part of the premium for special groups, the government also gives 30 yuan a payment subsidy. The government will no longer pay old-age insurance premiums for severely disabled people, five-guarantee households and low-guarantee households in rural areas who choose the lowest grade (excluding the lowest grade) and above.

Seven, pension insurance benefits.

1. Insured persons who have reached the age of 60 and have not enjoyed the basic old-age insurance benefits for urban workers may apply for new old-age insurance benefits on a monthly basis.

2. The new rural insurance benefits consist of basic pension and personal account pension. The current standard of basic pension is 55 yuan per person per month, which is paid by the central government. Our county also stipulates that if the insured reaches the age of 60 and the payment period exceeds 15, the basic pension will be paid according to 2 yuan every month for every increase of 1 year, and the increased funds will be paid by Rong county finance. The monthly calculation and payment standard of personal account pension is the total amount of personal account divided by 139 (the same as the current calculation and payment coefficient of personal account pension of basic old-age insurance for urban employees). Personal account pension is paid from the personal account of the insured. After the personal account pension of the insured is paid, the county finance is responsible for continuing to issue personal account pension; Personal account pension is not paid, and the insured person dies. In addition to government subsidies, the balance of personal account pension is paid to the designated beneficiary or legal heir in one lump sum, and the balance of government subsidies is used to continue to pay the pensions of other insured persons.

3. Personal account consists of four parts: ① the endowment insurance premium paid by individuals; Subsidies paid by village collectives and other economic organizations, social welfare organizations and individuals; ③ Subsidy funds paid by the local government to the insured; ④ Personal account fund operation or deposit interest income.

Eight, the new rural insurance pension benefits to receive conditions.

1. When the new rural old-age insurance system is implemented (the implementation time in our county is 20101), the rural registered elderly who are over 60 years old (that is, born before September 30, 1950) and do not enjoy the basic old-age insurance for urban workers do not need to pay.

2. When the new rural endowment insurance is implemented, if it is less than 15 years from the collection age (60 years old), it will be paid annually (for example, if it is 58 years old, it is enough to pay two years' premium), and it is also allowed to make up. The accumulated payment does not exceed 15 years, and the government gives payment subsidies.

3. When the new rural insurance system is implemented, if the age (60 years old) exceeds 15 years, the annual payment shall be made, and the accumulated payment period shall not be less than 15 years, and the pension can only be received monthly until the age of 60. Otherwise, at the age of 60, all the premiums and interest paid will be refunded. Those who don't pay the annual fee but pay the pension on a monthly basis at the age of 60 are allowed to pay the pension on a monthly basis, but the government will no longer give the payment subsidy and add interest.

Nine, the old-age insurance relationship transfer method.

1. If the insured applies to transfer the new rural social endowment insurance relationship within the administrative area of Guangxi Zhuang Autonomous Region, it shall be handled in the following ways: ① If the insured moves in Rong County, his endowment insurance relationship and personal account file will be transferred, but the personal account funds will not be transferred; (2) If the insured person transfers across Rong County, the pension insurance relationship, personal account files and personal account funds can be transferred to the new insured place at one time, and the corresponding pension insurance benefits can be enjoyed according to the relevant standards of the new insured place; If the new rural social endowment insurance system has not been established in the place where the household registration is transferred, the pension insurance relationship, personal account files and personal account funds will be temporarily stored in the original insured place and transferred when conditions permit.

2. If the insured person flows across the administrative region of Guangxi Zhuang Autonomous Region, it shall be implemented according to the relevant provisions of the state.

Ten, the convergence of the old and new agricultural insurance system. Persons who have participated in rural social endowment insurance (hereinafter referred to as rural social endowment insurance) and meet the requirements of the new rural social endowment insurance shall be handled in the following ways: ① Insured persons who are under 60 years of age and have not received pensions will continue to pay according to the payment standards stipulated in these Measures, and the funds from the original rural social endowment insurance personal account will be merged into the new rural social endowment insurance personal account, and those who meet the prescribed conditions will enjoy corresponding treatment. (2) Insured persons who have reached the age of 60 and have received the old-age pension can directly enjoy the new rural social endowment insurance basic pension since the implementation of the new rural social endowment insurance system in Congrong County, and pay it together with the old-age pension.

XI。 Others. (1) When the state adjusts the payment grade according to the growth of farmers' per capita net income, the Rongxian People's Government adjusts the payment standard accordingly. (2) The People's Government of the Autonomous Region adjusts the basic pension standard of the new rural social endowment insurance according to the national minimum standard. When the Autonomous Region adjusts the basic pension standard of the new rural social endowment insurance according to economic development and price changes, the People's Government of Rongxian County makes corresponding adjustments in time. Conditional village collectives can give payment subsidies to the insured villagers, and the subsidy standards shall be determined by the villagers' committee holding a meeting of villagers' representatives. Encourage other economic organizations, social welfare organizations and individuals to provide financial support for the insured. Village collectives, other organizations and individuals shall record the payment subsidies to the insured person in the insured person's personal account and return them to the insured person.

Twelve, the uninsured policies and regulations.

When the system is implemented, those who meet the insurance conditions but are not insured cannot enjoy the basic pension when they reach the age of 60. If you want to enjoy the basic pension, you must pay it back, but when you pay it back, the government will not subsidize it and charge interest.

Pay attention to several issues:

1. If the names on the ID card, household registration book and credit union passbook are inconsistent, they must be changed. Only when they are consistent can they go through the insurance formalities.

2. For special groups (the elderly, the disabled, etc.). If you don't have a second-generation ID card, you can use a first-generation ID card and a new household registration book to open an account in a credit cooperative and go through the insurance procedures.

3. Migrant workers who have participated in employee pension insurance may not participate in the new rural insurance. Individuals who want to participate in the insurance must explain to them that they can only enjoy one of the old-age insurance benefits when they are old enough, and then they can be sure to enjoy the new rural insurance or the old-age insurance for urban workers.

4. Rural residents who have received the retirement benefits of the basic old-age insurance for urban workers cannot apply for the new rural insurance basic pension.

5.20 10, 10. Those who reach the age of 60 in June should also pay insurance for one year. After going through the insurance formalities, you will receive pension benefits from 20 10+0 1.