Guo Fa [2009] No.32
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 and the Third Plenary Session of the 17th Central Committee, the State Council decided to launch a new rural social endowment insurance (hereinafter referred to as the new rural social endowment insurance) pilot in 2009. The following guiding opinions are put forward on the pilot work:
I. Basic principles
The new rural old-age insurance 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 rural residents' old-age security according to the requirement of accelerating the establishment of a social security system covering urban and rural residents. The basic principle of the new rural insurance pilot is "basic, wide coverage, flexible and sustainable". First, starting from the reality of rural areas, starting at a low level, and the standard of financing and treatment should be adapted to economic development and affordability in all aspects; Second, individuals (families), collectives and governments share responsibilities reasonably, and rights correspond to obligations; Third, the combination of government-led and farmers' wishes will guide rural residents to participate in insurance; Fourth, the central government has determined the basic principles and major policies, and local governments have formulated specific measures to implement territorial management of insured residents.
Second, the mission objectives
Explore the establishment of a new rural insurance system that combines individual contributions, collective subsidies and government subsidies, and implement the combination of social pooling and individual accounts, which are matched with other social security policies and measures such as family pension, land security and social assistance to ensure the basic livelihood of rural residents in the elderly. In 2009, the pilot project covered 65,438+00% counties (cities, districts and banners) in China. After that, the pilot will be gradually extended to the whole country, and by 2020, the full coverage of rural school-age residents will be basically realized.
Third, the scope of insurance.
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.
Fourth, raise funds.
The new agricultural insurance fund consists of individual contributions, collective subsidies and government subsidies.
(1) individual payment. Rural residents who participate in the new rural old-age insurance shall pay the old-age insurance premium according to the regulations. At present, the payment standard is set at 100 yuan per year, which is divided into five grades: 200 yuan, 300 yuan, 400 yuan and 500 yuan. All localities can increase the payment grade according to the actual situation. Insured people choose their own grades to pay, and pay more. The state adjusts the payment grade according to the growth of per capita net income of rural residents.
(2) Collective subsidies. Conditional village collectives shall give subsidies to the insured, and the subsidy standard shall be determined by the villagers' committee holding a villagers' meeting. Encourage other economic organizations, social welfare organizations and individuals to provide financial support for the insured.
(3) government subsidies. The government pays the insured who meets the basic pension conditions of the new rural insurance in full, in which the central government gives full subsidies to the central and western regions and 50% subsidies to the eastern regions according to the basic pension standards determined by the central government.
The local government subsidizes the payment of the insured, and the subsidy standard is not lower than the 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). Local governments 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.
Five, the establishment of personal accounts
The state establishes a personal pension insurance account with a lifetime record for each new rural insurance participant. Individual contributions, collective subsidies, subsidies to the insured by other economic organizations, social welfare organizations and individuals, and subsidies to the insured by local governments are all credited to personal 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.
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. All localities can raise the basic pension standard according to the actual situation. For rural residents who have paid for a long time, the basic pension can be appropriately increased, and part of the increased and increased funds will be paid by local 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). When the insured dies, the balance of personal account funds can be inherited according to law, except for government subsidies; The balance of government subsidies is used to continue to pay the pensions of other insured persons.
Seven, pension benefits to receive conditions
Elderly people with rural household registration who have reached the age of 60 and have not enjoyed the basic old-age insurance for urban workers can receive a monthly pension.
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 can receive the basic pension on a monthly basis without paying fees, but their children who meet the conditions for participation should pay insurance premiums; 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 young and middle-aged farmers to actively participate in insurance and pay for a long time. If they pay for a long time, they will pay more. 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 national minimum standard of basic pension for new rural insurance in a timely manner.
Nine. fund management
Establish and improve the financial accounting system of the new agricultural insurance fund. The new agricultural insurance fund is 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 new agricultural insurance fund is temporarily managed at the county level, and 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 new rural endowment insurance fund, formulate and improve the management rules and regulations of the new rural endowment insurance business, 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 new rural endowment insurance fund raising and payment, 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. The new agricultural insurance agencies and villagers' committees in the pilot areas publicize the payment qualifications and treatment of the insured in the village within the administrative village every year, and accept the supervision of the masses.
XI。 Processing management service
To carry out the new rural insurance pilot areas, we should carefully record the payment and treatment of rural residents, establish insurance files, and keep them properly for a long time; Establish a national unified new rural endowment insurance information management system, incorporate it into the construction of social security information management system ("Golden Insurance Project"), and share information resources with other citizen 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. According to the principle of streamlining efficiency, the pilot areas should integrate the existing rural social service resources, strengthen the capacity building of the new rural insurance, use modern management methods and the government to purchase services, reduce administrative costs and improve work efficiency. The new agricultural insurance funds shall be included in the fiscal budget at the same level, and shall not be spent from the new agricultural insurance fund.
Twelve. Links to related systems
In areas where rural social endowment insurance (hereinafter referred to as endowment insurance) has been carried out with individual contributions as the mainstay and individual accounts complete, it is necessary to properly handle the creditor's rights of the endowment insurance fund and make a good connection with the new endowment insurance system. In the pilot area of the new rural insurance, all the insured persons who have participated in the new rural insurance, reached the age of 60 and have received the new rural insurance pension can directly enjoy the basic pension of the new rural insurance; 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.
Measures for the connection between the new rural endowment insurance and other old-age insurance systems, such as the basic old-age insurance for urban workers, shall be formulated by Ministry of Human Resources and Social Security in conjunction with the Ministry of Finance. It is necessary to do a good job in linking the new agricultural insurance system with social security for landless peasants, reservoir resettlement support policies, rural family planning reward and assistance policies, rural five-guarantee support, social preferential treatment, rural minimum living security system 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 State Council set up a leading group for the pilot work of new rural endowment insurance to study and formulate relevant policies, supervise and inspect the implementation of policies, summarize and evaluate the pilot work, and coordinate and solve 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 the new rural insurance, 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 the new agricultural insurance, and do a good job in overall planning, policy formulation, unified management and comprehensive coordination of the new agricultural insurance in conjunction with relevant departments. Pilot areas should also set up a pilot work leading group to be 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, in accordance with this guidance, formulate specific measures for the pilot project and report them to the leading group for the pilot project of new rural endowment insurance 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 pilot areas as required, and report to the leading group for the pilot work of the new rural endowment insurance in the State Council for approval. The pilot implementation plan of pilot counties (cities, districts and banners) was implemented after being approved by the people's governments of all provinces (autonomous regions and municipalities) and reported to the leading group for the pilot work of new rural endowment insurance in the State Council for the record.
Fifteen, do a good job in public opinion propaganda.
Establishing a new rural endowment insurance system is an important decision to thoroughly implement Scientific Outlook on Development and accelerate the construction of a social security system covering urban and rural residents. This is an important measure to cope with the international financial crisis and expand domestic consumption demand. It is an important basic project to gradually narrow the gap between urban and rural areas, change the dual structure of urban and rural areas and promote the equalization of basic public services. It is also an important policy of benefiting the people to realize rural residents' sense of security, promote family harmony and increase farmers' income.
All regions and relevant departments should adhere to the correct direction of public opinion, use easy-to-understand propaganda methods, and strengthen the propaganda of the significance of the pilot work and the basic principles and policies, so as to make this policy of benefiting the people deeply rooted in the hearts of the people and guide school-age farmers to actively participate in insurance.
All localities should pay attention to the study of new situations and problems in the pilot process, actively explore and summarize the methods and experiences to solve new problems, properly handle the relationship between reform, development and stability, and do a good job in the pilot work. Important information should be reported to the leading group for the pilot work of the new rural insurance in the State Council in a timely manner.
the State Council
September 2009 1 day
References:
Guiding Opinions of the State Council on the Pilot Project of New Rural Social Endowment Insurance
Well, the minimum payment period of endowment insurance is 180 months, which is 15 years. You can give more, and then you can get more. At the same time, the pension insurance can accumulate payment years, that is, intermittent payment is allowed. Medical insurance needs at least 25/30 years. When you reach retirement age, you can apply for pension benefits and medical reimbursement (as long as the fee is renewed, it is also possible at ordinary times).
The current retirement age is 60 for men and 55 for women. Of course, under special circumstances such as engaging in high-risk work and losing the ability to work, you can apply for early retirement and receive pension benefits.
So your pension insurance can be supplemented or not, as long as it has been paid for at least 15 years.
There are two ways to deal with social security:
(-) To pay in the name of an individual, you need to apply to the social security bureau where your account is located. Procedures include: my ID card, two recent bareheaded one-inch photos, insurance premium, application form, etc. And can only apply for pension and medical insurance.
How much to pay is calculated according to the local social wage of the previous year, which is different every year.
For example, the average salary of a prefecture-level city is 20,000, then the pension insurance payment is 20,000 * 20% = about 4,000/year, and the medical care is 20,000 *10% = about 2,000/year.
In addition, it is also stipulated that the lowest grade and the highest grade are not less than 60% of the average monthly salary of social workers, and the highest grade is 300% of the average monthly salary of employees. Generally, the lowest grades are mostly.
In addition, the minimum payment period of old-age insurance is 180 months, that is, 15 years, and medical insurance needs to pay at least 25/30 years. When you reach retirement age, you can apply for pension benefits and medical reimbursement (as long as you renew your fees, you can usually).
(two) or to buy social security units.
In addition, if we apply for social security, it is better for the second unit to pay it, because the unit will bear a large part of the expenses for us, thus reducing the pressure on our own payment.
Insurance Bian Xiao helps you answer, and more questions can be answered online.
Notice of Chongqing Municipal People's Government on Launching the Pilot Work of Social Endowment Insurance for Urban and Rural Residents (Yu Fu Fa No.200985) stipulates: 1. In 2009, Wanzhou District, Qianjiang District, dadukou district, Jiulongpo District, Nan 'an District, Beibei District, Hechuan District, Yongchuan District, Nanchuan District, Tongnan County, liangping county, Dianjiang County and Wulong County will be selected. 2. The following persons with Chongqing household registration can voluntarily participate in the old-age insurance for residents: (1) rural residents (excluding students) aged 16; (2)/kloc-urban flexible employees over 0/6 years old (excluding students at school); (3) Persons over the age of 60 who have not enjoyed the treatment of urban basic old-age insurance (retirement). 3. For those who have reached the age of 16 and are under 60, the annual payment standard of the old-age insurance premium is 100 yuan, 200 yuan, 400 yuan, 600 yuan and 900 yuan, which shall be chosen voluntarily by the insured. 4.60 years of age and above, under the premise that their children meet the conditions of insurance (in principle, the household registration book shall prevail), they can directly participate in endowment insurance without paying insurance premiums. 5. In the pilot counties in 2009, the age of the population aged 60 and above was defined as August 3, 20091.
Chongqing rural social security policy: it can be re-applied. According to the Notice of Chongqing Municipal People's Government on Launching the Pilot Work of Social Endowment Insurance for Urban and Rural Residents (Yu Fu Fa No.200985), we have participated in rural social endowment insurance in accordance with the Notice of the Ministry of Civil Affairs on Printing and Distributing the Basic Plan of Rural Social Endowment Insurance at County Level (Yu Fa [1992] No.2). ...
What are the provisions of the basic old-age insurance for urban and rural residents in Chongqing? The original annual payment standards for young people in the basic old-age insurance for urban and rural residents in Chongqing are 100 yuan, 200 yuan, 400 yuan, 600 yuan and 900 yuan respectively. The new policy will adjust the annual payment standard to 12 level respectively.
Chongqing's new rural insurance policy, now my father (58 years old) and mother (54 years old) pay 900 yuan. Excuse me? : basic pension monthly 55 yuan (total payment government subsidy) ÷ 139 For example, your dad is 55 (900*3 50*3)÷ 139=75 yuan.
What is the endowment insurance system for urban and rural residents in Chongqing? On the basis of following the national new rural old-age insurance policy, combined with Chongqing's reality, and in accordance with the principle of "basic protection, wide coverage, flexibility, sustainability and transferability", Chongqing has covered all rural residents over 16 and urban elderly people without old-age security, realized the integration of urban and rural old-age security, and relieved the worries of "raising children to prevent old age" in the past. Chongqing is still working hard to formulate a transfer system between different types of insurance to provide more convenience for more and more returning migrant workers. For this old-age insurance system, everyone's payment standard is different. Because of different age levels, everyone can start to pay old-age insurance premiums according to their age and actual needs. However, these old age allowances alone are still far from enough. I suggest that you can choose to buy a commercial pension insurance to ensure a better old-age life.
What are the rural endowment insurance and rural one-child support policies in Chongqing? All answers 20 1 9-02-1819: 42:14 Chongqing rural family planning reward and assistance policy 1. family planning reward and assistance system (1) object confirmation conditions rural family planning reward and assistance objects should meet the following conditions at the same time:1,which does not violate. ...
In the current environment, what are the corresponding policies and opinions on social security for migrant workers in Chongqing and the future? The main body of labor law adjustment is the employer and the laborer. Without the concept of migrant workers, "migrant workers" is a discriminatory title.
Chongqing rural endowment insurance policy: Well, the minimum payment period of endowment insurance is 180 months, which is 15 years. You can give more, and then you can get more. At the same time, the payment period of endowment insurance can be accumulated, that is, intermittent payment is allowed. Medical insurance needs to be paid for at least 25/30 years, and you can apply for pension benefits and physical examination reports when you reach retirement age. ...
New Policy of Rural Endowment Insurance in Chongqing Now my parents are over 60 years old and get 80 yuan a month. Can they take out insurance now? -:Your parents get 80 yuan a month, which was originally called "old farmer's insurance". If you are over 60, you can go to the social security office in the local street or town for consultation. It is now called "Chongqing social endowment insurance for urban and rural residents".
Chongqing's new rural insurance policy: it can be accumulated, but the personal account pension is determined according to the amount of payment, not necessarily 1.30 yuan/month. Because: The policy of Chongqing urban and rural residents' old-age insurance pilot (implemented in the whole city in 2065, 438+02) stipulates that those who have reached the age of 60 and are only children will receive a basic pension of 90 yuan/month (65,430 yuan at the age of 70). Personal account pension received every month = (total individual contribution+interest)/139 months (the number of months specified in the State Council [2005] No.38 document).
Chongqing rural social security policy: 90-year-olds don't have to buy any more. They have their own 90 yuan pension and subsidies for the long-lived elderly.