Rural endowment insurance publicity audio

The main policies of the new rural endowment insurance pilot

There are two main aspects in the system innovation of the new rural old-age insurance: one is to combine the basic pension with the personal account pension, and the government fully subsidizes the basic pension; The second is to implement the financing method of combining individual contributions, collective subsidies and government subsidies, and local finance subsidizes farmers to pay fees.

(1) Insurance 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 may voluntarily participate in the new rural insurance at their domicile. The new rural insurance emphasizes attracting rural school-age residents to participate voluntarily with preferential policies, and does not engage in compulsory orders. Rural residents to participate in the basic old-age insurance for urban workers (such as migrant workers to participate in the old-age insurance for urban workers), in principle, do not participate in the new rural insurance; Rural residents who have participated in the new rural old-age insurance, who work in cities to participate in the basic old-age insurance for urban workers, can stop paying the new rural old-age insurance premium, and the new rural old-age insurance personal account will be retained; If rural residents have participated in various endowment insurance systems at different stages due to changes in employment and residence, the state will formulate relevant convergence policies to protect the rights and interests of rural residents' endowment insurance.

(2) fund raising. The new agricultural insurance fund consists of individual contributions, collective subsidies and government subsidies.

Personal payment. The new rural endowment insurance is a social insurance system, which is different from the social assistance system for helping the poor. The principle of adapting rights and obligations is implemented, and individual payment is the premise of enjoying treatment. In addition to the rural elderly residents who have reached the age of 60 when the new agricultural insurance system is implemented, rural residents who participate in the new agricultural insurance should pay the old-age insurance premium according to the regulations.

In order to adapt to the characteristics of low income, great difference and instability of rural residents, the payment standard is currently set at one year 100 yuan, divided into five grades: 200 yuan, 300 yuan, 400 yuan and 500 yuan. All localities can add payment grades according to local actual conditions, and rural residents can voluntarily pay their own fees. In principle, you can pay once a year, and you can choose different payment grades according to your income in different years. Local governments can formulate appropriate incentive policies to guide eligible young and middle-aged farmers to choose higher standard payment and long-term payment to improve their future pension level. The state adjusts the payment grade in time according to the growth of farmers' per capita net income.

Collective subsidies. Rural land belongs to the collective, and the income of rural collective economic organizations belongs to its members. The village collective has the responsibility to provide economic support for the old-age security of rural residents in the village. Conditional village collectives shall give subsidies to the insured, and the subsidy standard shall be determined by the villagers' committee. Encourage other economic organizations, social welfare organizations and individuals, especially the economic organizations after the village collective economic reform to provide financial support for the insured.

Government subsidies. The biggest preferential policy of the new rural endowment insurance is the government subsidy to rural residents. Government subsidies are divided into two parts: first, the central government gives full subsidies to basic pensions; Second, the local government subsidizes the insured's payment, which is conducive to mobilizing farmers' enthusiasm for participating in insurance, helping people in need to participate in insurance, and increasing the accumulation of personal accounts. The subsidy standard of pilot counties (cities, districts) in our province is: 100 yuan 30 yuan, 200 yuan, 35 yuan, 300 yuan, 40 yuan, 400 yuan, 45 yuan and 500 yuan 50 yuan, and the required funds are shared by the provincial and pilot county (city, district) governments in a ratio of 6:4; Appropriate encouragement can be given to those who choose higher-grade standard payment; Local governments should pay part or all of the minimum standard old-age insurance premiums for groups with payment difficulties such as severely disabled people in rural areas.

(3) establishing a personal account. In the pilot counties (cities, districts), the payment of rural residents' old-age insurance takes the administrative village as the unit, the township (town) human resources and social security service station (institute) verifies the eligibility for insurance, handles the registration and approves the payment, and the new rural insurance agency establishes a new rural insurance personal account, which is fully accumulated, managed in real accounts and recorded for life. Individual contributions, collective subsidies, subsidies from other social and economic organizations 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 insured person can inquire personal account information from the agency or agent bank.

(4) conditions for receiving pension benefits. The rural registered elderly who have reached the age of 60 and have not enjoyed the basic old-age insurance for urban workers shall, with their valid identity documents, be audited by the rural (town) human resources and social security service station (institute) and the county (city, district) new agricultural insurance agency, and be submitted to the county (city, district) human resources and social security administrative department for examination and approval, and enjoy the pension on a monthly basis from the second month after reaching the age of 60.

When the new agricultural insurance system is implemented, those who have reached the age of 60 and have not enjoyed the basic old-age insurance benefits for urban workers on a monthly basis can receive the basic pension directly without paying the fees, and all the expenses required are paid by the government; However, children who meet the insurance requirements shall pay insurance premiums. This is the embodiment of the family pension tradition and related laws and regulations in the new rural insurance policy. Children's insurance contributions are credited to my personal account for my future pension payment, not for my parents.

When the new rural endowment insurance is implemented, those who are under the age of 15 years will be paid annually, and they are also allowed to pay back, and the accumulated payment will not exceed 15 years; If the payment is interrupted, if it is paid back during the interruption period, the payment subsidy will not be enjoyed.

When the new rural endowment insurance is implemented, those who have received it for more than 15 years will be paid annually, and the accumulated payment will be no less than 15 years; If the accumulated payment is less than 15 years, it is allowed to pay back, but it does not enjoy the payment subsidy; One-time payment is not allowed.

With the development of China's economy, the living and medical conditions of residents have been continuously improved, and the average life expectancy has been continuously extended, which is the result of social progress. At the same time, it also means that it needs longer accumulation and more capital to ensure the old-age life of rural residents. Therefore, rural residents can get more subsidies as soon as possible, and pay fees for a long time, and accumulate more personal accounts, which is conducive to improving the level of old-age security.

(5) Pension benefits. The pension benefits of the new rural insurance are composed of basic pension and personal account pension, which are paid for life.

Basic pension. The basic pension is calculated and paid in 55 yuan per person per month, and the required funds are subsidized by the central government. The pilot county (city, district) government may raise the basic pension standard according to the actual situation, and the required funds shall be borne by the local government.

Personal account pension. Pay monthly, and the monthly calculation and payment standard is the total amount of personal account divided by 139 (the same as the calculation and payment coefficient of personal account pension of basic old-age insurance for urban employees).

Inheritance right. When the insured person dies, regardless of whether he has started to receive a pension or not, the balance of funds in his personal account, including individual contributions, collective subsidies and other funds, can be inherited according to law; However, the funds subsidized by the government are paid from public finance and used for the individual old-age security of the insured farmers. Therefore, this part of the balance can not be inherited, and will continue to be used for the pension payment of other long-lived elderly people, reflecting the principle of social mutual assistance.

(6) Linkage of related systems. Areas where old rural insurance has been carried out should be well connected with the new rural insurance system. Who has participated in the old rural insurance, over 60 years of age and has received the old rural insurance pension, can enjoy the new rural insurance basic pension; For the insured who have participated in the old-age insurance, have not reached the age of 60, and have not received the pension, the funds in the personal account of the old-age insurance should be incorporated 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 meeting the prescribed conditions.

At present, some rural residents have participated in the basic old-age insurance for urban workers, or enjoyed social security for landless farmers, rural family planning incentives, rural five-guarantee support, social preferential treatment, rural minimum living security, and reservoir resettlement support policies. Relevant departments in the State Council will formulate relevant policies to link up the new rural endowment insurance with these systems and policies without lowering the standards and damaging the vested interests of rural residents.

In the aspect of rural old-age care, we should continue to play the positive and effective role of land, family and collective. After the establishment of the new rural endowment insurance system, contract relationship, the rural land, including contract relationship, the land of the elderly, will remain stable and unchanged for a long time; The contracted land for the elderly can be operated by themselves or by their children. If the children go out and the elderly are unable to run their own businesses, they can also voluntarily transfer the contracted land management right in various ways and pay for it according to law. Filial piety to the elderly is a fine tradition of the Chinese nation. After the implementation of the new rural endowment insurance, the rural elderly have the minimum security, but their children still have to bear the responsibility of supporting the elderly.

(7) management and supervision. The new rural endowment insurance fund is the "life-saving money" for rural residents, and the security of the fund should be put in the first place. Whether it is government subsidies, individual contributions, collective subsidies and other social and economic organizations, they are all included in the financial accounts of social security funds, and two lines of revenue and expenditure are managed and accounted for separately; All pension benefits of the new rural insurance are paid by the new rural insurance fund. The working funds of the new agricultural insurance agency shall be reasonably arranged by the financial department at the same level according to the actual work needs and related expenditure standards, and shall be included in the financial budget, and shall not be extracted from the new agricultural insurance fund. On the basis of summing up the pilot experience, we will formulate a unified national financial accounting system for the new rural endowment insurance fund. Prior to this, the pilot counties (cities, districts) should do a good job in the financial management of the new agricultural insurance fund in accordance with the provisions of the current national financial accounting system for social insurance funds. The new agricultural insurance fund maintains and increases its value in accordance with relevant regulations.

Human resources and social security departments at all levels should earnestly strengthen the management of the new rural endowment insurance fund, formulate and improve the business management rules and regulations of the new rural endowment insurance, standardize business processes, establish and improve the internal control system and fund audit system, monitor and regularly check the collection, transfer and distribution of funds, and regularly disclose the collection and payment information of the new rural endowment insurance fund. So as to achieve openness and transparency, ensure the accurate management and dynamic management of the number of pensioners, 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. Public security, family planning and other departments provide and check the household registration, age, family relationship and other relevant data and information of rural residents. Pilot counties (cities, districts) new agricultural insurance agencies and villagers' committees publicize the insured's payment qualifications and treatment within the scope of administrative villages every year, and correct and prevent behaviors such as forged age and impersonator treatment through mass supervision.

(8) Handling service. Pilot counties (cities, districts) should strengthen the capacity building of new rural insurance in accordance with the principle of streamlining efficiency; Grassroots organizations such as towns should integrate social management and public service resources in combination with the reform of township institutions and the adjustment of government functions, make full use of social service resources, and provide safe and convenient services for rural residents.

Eligible rural residents to participate in the new rural insurance, I should apply voluntarily, and confirm the payment grade year by year. Eligible rural elderly receive pension benefits, which are applied by themselves or their immediate family members, and the conditions and standards for receiving benefits are approved every year. The administrative village may designate personnel to handle the insurance or application procedures for the villagers, but it must be signed and confirmed by the parties concerned, and no handling fee shall be charged. Township agencies shall, jointly with the police station, review the household registration, age and survival of the insured and the recipients. , the county agency for approval, and to the insured payment vouchers (cards, certificates).

New rural insurance agencies and township (town) human resources and social security service stations (stations) record the payment and treatment of rural residents, establish insurance files, submit relevant information and business data to the administrative department of human resources and social security on a monthly basis, and submit other materials in a timely manner as required. Establish a unified new rural insurance information management system in the province, and incorporate it into the construction of social security information management system ("Golden Insurance Project"), and gradually realize centralized data management at the provincial level. In the initial stage of information management, paper files and electronic files should be established at the same time. 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.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.