1. coverage of basic old-age insurance for urban and rural residents: urban and rural residents who have reached the age of 16 (excluding students at school) and are not covered by the basic old-age insurance system for employees of state organs and institutions can participate in the old-age insurance for urban and rural residents at their domicile. 2. Payment standard of basic old-age insurance for urban and rural residents: At present, the payment standard for participating in the old-age insurance for urban and rural residents is 100 yuan per year, 200 yuan, 300 yuan, 400 yuan, 500 yuan, 600 yuan, 700 yuan, 800 yuan, 900 yuan, 1000 yuan, 1500 yuan, and 2000 yuan. Insured people choose their own grades to pay, and pay more. Personal account of basic old-age insurance for urban and rural residents: the state establishes personal account of old-age insurance for each insured person. In other words, once the personal account of endowment insurance is established, the social security management institution will provide lifelong service for it. No matter where the payment is made, no matter whether the payment is intermittent or not, the personal account will record the rights and interests of the insured. If the insured person's household registration changes during the payment period and needs to transfer the pension insurance relationship between urban and rural residents across regions, the opinion stipulates that you can apply for the transfer of the pension insurance relationship at the place where you move in, transfer all the stored amount in your personal account at one time, and continue to pay for the insurance in accordance with the regulations of the place where you move in, and the payment period is calculated cumulatively. Even if you participate in other social security systems (such as basic old-age insurance for urban workers), your personal account can be transferred in full. In addition to individual contributions, government subsidies, collective subsidies and other subsidies are also included in individual accounts, which reflects the state's support for the insured to pay fees. 4. Connection between urban and rural residents' basic old-age insurance and urban workers' old-age insurance: According to the Interim Measures, the insured can apply for the connection procedures of urban and rural old-age insurance system after reaching the statutory retirement age stipulated by the urban workers' old-age insurance. As long as the payment period of the endowment insurance for urban workers reaches 15 (including extending the payment to 15), you can transfer from the endowment insurance for urban and rural residents to the endowment insurance for urban workers and enjoy the corresponding treatment. If you are under 65 years old, Those who participate in the old-age insurance for urban and rural residents need to transfer the old-age insurance relationship between urban and rural residents across regions during the payment period, and can apply for the transfer of the old-age insurance relationship at the place where they move in, transfer all the storage amount in their personal accounts at one time, and continue to pay the insurance premium according to the regulations of the place where they move in, and the payment period is calculated cumulatively; Persons who have received pension insurance benefits for urban and rural residents according to regulations, regardless of whether the household registration is transferred or not, their pension insurance relationship is not transferred. V. Unity of the basic old-age insurance system for urban and rural residents: The establishment of a unified basic old-age insurance system for urban and rural residents is an organic integration of the existing new rural insurance and urban residential insurance, and its unity is prominently reflected in four aspects: First, the unified system name; The second is to unify policy standards. Originally, the new rural endowment insurance and urban residence insurance set five grades and 10 grade respectively, and this unified system was merged into 100 yuan to 2,000 yuan and 12 grades. The third is unified management services. The new rural insurance fund and the urban residential insurance fund will be merged into the endowment insurance fund for urban and rural residents, and the provincial management will be gradually promoted, and investment and operation will be carried out in accordance with the unified provisions of the state. The fourth is a unified information system. Interpretation of the basic old-age insurance policy for urban and rural residents 20 16 1. Who can participate in the basic old-age insurance for urban and rural residents? How to pay? Answer: Urban and rural residents who have registered in the county, have reached the age of 16 (except full-time students and employees of the employing unit) and have not participated in the basic old-age insurance for employees must participate in the basic old-age insurance for urban and rural residents at their domicile. For the first time, you must bring the original and a copy of your valid ID card to the town people's agency or the village (neighborhood) Committee where your household registration is located to go through the insurance formalities. Insured persons shall pay the fees in the town people's club, village (neighborhood) "four villages" platform and branches of CCB in the county before the end of March each year, or through online banking of CCB, yue life and mobile banking, and the payment grade can be adjusted every year. 2. What are the payment standards and government subsidies for the basic old-age insurance for urban and rural residents? Answer: In 20 16 years, the individual payment standard and government subsidy standard of the basic old-age insurance for urban and rural residents in our county are: individual payment 100 yuan, and the government subsidizes 30 yuan (only for those with difficulties in payment); Individuals pay 1000 yuan, and the government subsidizes 60 yuan; Individual contributions 1400 yuan, and government subsidies to 70 yuan; Individuals pay 2 100 yuan, and the government subsidizes 80 yuan; Individuals pay 3,000 yuan and the government subsidizes 90 yuan; Individuals pay 4000 yuan, and government subsidies 100 yuan. Do not enjoy government subsidies in the year of payment. Insured people can choose their own payment grades, and pay more. 3. Which vulnerable groups can enjoy the government's payment? What is the specific payment standard? A: The severely disabled (above Grade II) and low-income households who hold the People's Republic of China (PRC) Disabled Persons' Card issued by the County Disabled Persons' Federation can enjoy the basic old-age insurance for urban and rural residents paid by the government. Eligible individuals only need to pay 20 yuan, the government goes out of 80 yuan, and the government subsidizes 30 yuan; You can also choose a high-grade payment standard, the government payment standard remains unchanged, and you can enjoy the corresponding grade of government subsidies. 4. What conditions do you need to participate in the basic old-age insurance for urban and rural residents before you can go through the formalities for receiving benefits? Answer: Individuals who have participated in the basic old-age insurance for urban and rural residents, who have reached the age of 60 and paid a total of 15 years, can receive the basic old-age insurance benefits for urban and rural residents on a monthly basis. With the original and photocopy of my insurance payment card and valid identity documents, I will go through the formalities at the people's agency in the town where my household registration is located one month before meeting the conditions for receiving benefits. 201010/new rural insurance or 2010/21urban residence insurance system was under 60 years old when it was implemented, and it was less than 15 years away from the specified age, so it is necessary to pay the fee year by year, and it is also allowed to make up. Those who have received the payment for more than 15 years shall be paid annually, and the accumulated payment shall not be less than 15 years. 5. What are the basic old-age insurance benefits for urban and rural residents? How is it calculated? A: The basic old-age insurance for urban and rural residents consists of basic pension and personal account pension. Basic pension: the standard of 20 15 is per person 105 yuan/month; Incentive basic pension: if the payment period reaches 15, it will be increased by 10 yuan/month; If the continuous payment exceeds 15, it will increase by 1 yuan every year, with the maximum not exceeding 30 yuan/month. Non-severely disabled people (above Grade II) and low-income residents below the payment level in 700 yuan will not receive the incentive basic pension. Personal account pension: the monthly payment standard of personal account pension. At present, the total amount of personal account is divided by 139 (the same as the calculation coefficient of personal account pension in the current basic endowment insurance for employees). The total amount of personal account storage includes: insurance premiums paid by individuals, insurance premiums paid by the government (only for groups with difficulties in payment), government subsidies and interest. 6. What conditions must be met for handling funeral subsidies for urban and rural residents' basic old-age insurance? Answer: If the insured dies after 20 16 1 and meets one of the following four conditions, he can apply for a funeral subsidy of 600 yuan. ① The basic old-age insurance premium for urban and rural residents has been paid normally in the previous year; ② The cumulative payment period of basic old-age insurance premiums for urban and rural residents reaches 15 years; (3) I pay monthly and have enjoyed the basic old-age insurance for urban and rural residents; (4) have enjoyed the basic pension benefits for urban and rural residents on a monthly basis, and the children are normally insured and pay the annual fee. 7. How to handle the basic pension of urban and rural residents' basic old-age insurance for those who enjoy the immediate family assistance (survivors' allowance)? Answer: With the original and photocopy of valid identity documents of myself and my children, I will go to the town people's society where my household registration is located to receive the basic pension. 8. Is there any adjustment mechanism for the basic old-age insurance benefits for urban and rural residents? A: The state has established a normal adjustment mechanism for the minimum standard of basic pensions for urban and rural residents, and adjusted the minimum standard of basic pensions in a timely manner according to economic development and price changes. Our county's basic pension standard has been adjusted from 60 yuan in 20 10 to 105 yuan in 20 15 years. How to adjust 20 16 shall be implemented according to the provisions of provincial government documents. 9. When do you apply for the basic old-age insurance for urban and rural residents and get the qualification certification every year? A: From July to September every year, the beneficiary carries his/her valid ID card, bank passbook (card) or social security card, and goes through the qualification certification procedures at the people's agency or village (neighborhood) committee in the town where the household registration is located. 10. How to calculate the personal account interest of basic old-age insurance for urban and rural residents? Answer: The deposit amount of individual account bears interest with reference to the bookkeeping interest rate of individual account of basic old-age insurance for employees in our province, and the interest rate is not lower than the 1 year fixed deposit rate of urban and rural residents' banks published by the People's Bank of China. 1 1. Can I enjoy the basic pension directly after the age of 60 without insurance payment now? Answer: No, according to the relevant policies of the State Council, rural residents born after 0950+ 1 year 1 October 65438+65438 and urban residents born after1February/year195/must participate in the basic old-age insurance for urban and rural residents. 12. what should I do if I participate in the basic old-age insurance for urban and rural residents, but I don't receive benefits or die while receiving benefits? Answer: If the insured person dies during the payment period, all the funds in the personal account will be collected by the beneficiary or legal heir designated by the insured person in one lump sum; If the insured person dies during the period of receiving pension benefits, if there is a balance of funds in the personal account, the beneficiary or legal heir designated by the insured person will receive it in one lump sum. 13. What are the advantages of joining the basic old-age insurance for urban and rural residents earlier than later? A: The benefits of early admission and regular annual payment are mainly reflected in the following four aspects: (1) more government subsidies; (2) Enjoy more incentive basic pension; (3) High personal account savings and high pension; (4) After participating in the basic old-age insurance for urban and rural residents, participate in the basic old-age insurance for employees. The amount stored in the personal accounts of urban and rural residents' basic old-age insurance (excluding repeated payment years) can be transferred to the personal accounts of employees' basic old-age insurance to improve the retirement benefits of employees' basic old-age insurance. 14. What are the advantages of choosing high-grade payment for basic old-age insurance for urban and rural residents? A: The benefits of choosing high-grade payment are mainly reflected in the following three aspects: (1) The standard of government subsidies enjoyed is high; (2) High personal account savings and high pension; (3) Insurance premiums paid by individuals can be fully recovered within 139 months without considering the interest, government subsidies and basic pensions generated by individual accounts over the years, and the personal account pensions after 139 months will be fully paid by the government. And those who choose high-level payment still enjoy high-standard treatment, while those who choose low-level payment still enjoy low-standard treatment. Therefore, the higher the payment level, the higher the pension and the higher the government subsidy.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.