Endowment insurance policy in Rong county, Sichuan province
First, the new rural social endowment insurance (hereinafter referred to as the "new rural endowment insurance")
1, government subsidies increased. In the past, the old farmer's insurance was mainly paid by farmers themselves, but it was actually a self-help model. The new rural endowment insurance is a combination of individual contributions, collective subsidies and government subsidies. The government has increased the input of public financial funds, especially the central government subsidizes local governments, which directly subsidizes farmers.
2. The basic pension has been increased. The new rural insurance pension consists of two parts: one is the basic pension and the other is the personal account pension. The basic pension is fully guaranteed by the state finance. In other words, all farmers in China will enjoy the national universal pension after the age of 60.
3. The normal adjustment mechanism of pension level has been established. The pension received by the insured is not static, and can be adjusted in time according to relevant policies.
Second, what is the scope of the new rural insurance?
Rural residents who have registered in the county, have reached the age of 16 (excluding students in school) and have not participated in the basic old-age insurance for urban workers may voluntarily participate in the new rural insurance.
Third, how to insure?
Rural residents who meet the conditions of insurance shall apply to the village committee where their household registration is located, fill in the registration form of new rural insurance, and go through the insurance registration formalities with the original and photocopy of their household registration book, resident identity card and bank passbook. If the insured person cannot fill it out, it can be filled out by the village coordinator, but it must be signed by himself, signed or confirmed by fingerprint.
The village coordinator will report the insurance registration information to the township agricultural insurance agency for preliminary examination, and the county agricultural insurance agency will establish a new agricultural insurance file for the insured after the audit.
Fourth, how to handle the change procedures?
When the insured's name, gender, resident ID number, date of birth, residential address, contact telephone number, household registration nature, household registration address, payment grade and bank passbook number change, they can bring relevant documents and materials to the village committee to apply for registration of change and fill in the registration form for change of new rural insurance. After the village coordinator reports to the township agricultural insurance agency for preliminary examination, the information that needs to be changed will be entered into the agricultural insurance information system in time, and the county-level agricultural insurance agency will confirm the change registration information after the audit is correct, and the relevant materials will be put on record.
5. How to deal with the insured person's settlement abroad, change in the nature of household registration, cross-regional transfer or death?
The insured person goes abroad to settle down, the nature of household registration changes, cross-regional overall transfer or death, etc. , the insured (or designated beneficiary or legal heir) with relevant documents and materials to the village committee to apply for cancellation of registration, fill in the new rural insurance cancellation registration form, cancellation of registration, termination of the new rural insurance relationship. The materials to be provided for cancellation of registration are:
(1) my valid identification;
(2) if you go abroad to settle down, you should provide proof of going abroad to settle down;
(3) change to urban household registration, provide proof of household registration change;
(4) if it is transferred across the overall planning area, provide proof of the transfer of household registration relationship;
(5) If the insured person dies, provide the death certificate issued by the hospital, or the cremation certificate issued by the civil affairs department (except the cremation area), or the household registration cancellation certificate issued by the public security department, as well as the valid identity certificate of the designated beneficiary or legal heir, and legal documents and notarized documents that can determine his inheritance right; If a missing person is declared dead, a death certificate issued by the judicial department shall be provided.
6. How does the insured pay the endowment insurance premium?
When the new agricultural insurance system is implemented, people who have reached the age of 60 and meet the conditions for receiving treatment can receive basic pensions on a monthly basis without paying fees.
The endowment insurance premium is withheld and remitted by the bank and paid annually (natural year). County agricultural insurance agencies entrust designated financial institutions to issue a "new agricultural insurance bank passbook" for the insured, and the insured shall deposit the old-age insurance premium in the current year into the bank passbook before the prescribed payment deadline. County-level agricultural insurance agencies regularly generate detailed deduction information and transmit the detailed deduction information to designated financial institutions. According to the deduction details provided by the county agricultural insurance agency, the financial institution deducts the endowment insurance premium in full from the insured's passbook (insufficient, no deduction), and after verification, the deduction amount is credited to the personal account.
7. What is the annual payment standard of the new rural insurance?
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. Rural residents can voluntarily choose different payment grades according to their income in different years. Conditional young and middle-aged farmers choose higher standard payment and long-term payment to improve the future pension level.
8. Can the insured pay the endowment insurance premium of the previous year?
When the new agricultural insurance system is implemented, the overdue payment shall be handled in the following ways:
(1) From the age of 15, the insured (over 45 years old and under 60 years old) shall pay the annual fee, and the overdue pension insurance premium is allowed, and the cumulative payment period shall not exceed 15 years.
Pay within two years from the date of implementation of these measures, and give corresponding government subsidies; If it is paid back for more than two years, it will not enjoy government subsidies.
(2) If the collection age exceeds 15 years (over 16 years old and under 45 years old), it shall be paid annually, and the cumulative payment period shall not be less than 15 years. If the payment is interrupted, the interrupted endowment insurance premium can be paid back, but the government subsidy is not enjoyed.
Nine, collective economic organizations how to give subsidies to the insured?
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.
X. how does the government subsidize the insured? What is the standard?
Government subsidies are divided into export subsidies and import subsidies:
(1) Export subsidies. The government fully subsidizes the basic pension.
(2) Import subsidies. Including three aspects: first, the basic subsidy of GSP. According to the standard of 30 yuan per person per year, local finance provides basic subsidies of inclusive nature to every farmer who pays insurance premiums; The second is the incentive subsidy of overpaying and supplementing. In order to encourage the insured farmers to pay more and accumulate more, the local government will increase the subsidy to 5 yuan every year for those who choose the payment grade in 300 yuan, 15 yuan for those who choose the payment grade in 400 yuan, and 15 yuan for those who choose the payment grade in 500 yuan. The third is the care subsidy for groups with difficulties in paying fees. For severely disabled people in rural areas, according to the minimum living standard of 100 yuan, the county government will pay for them and give corresponding government subsidies.
Eleven, what is the new rural insurance personal account?
The agricultural insurance agency shall establish a personal account of endowment insurance with lifelong record for each new agricultural insurance insured. Personal accounts are used to record individual contributions, collective subsidies, local government subsidies, other subsidies and interest.
The deposit interest rate in the personal account of the insured shall be determined according to the one-year fixed deposit interest rate of urban and rural residents in the same period announced by the People's Bank of China, and the county agricultural insurance agency shall bear interest on the deposits in the personal account of the insured once a year. The insured person can inquire personal account information from the agency or agent bank.
Twelve, what conditions do you need to enjoy the new rural insurance benefits?
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 directly on a monthly basis without paying fees, but their eligible children should pay insurance premiums; Those who are over 45 years of age but under 60 years of age shall be paid annually, and the cumulative payment period shall not exceed 15. For example, if the new rural insurance system is over 58 years old when it is implemented, it is allowed to pay the annual fee, and the longest payment period is13; 16 years old and under 45 years old, the payment shall be made annually, and the cumulative payment period shall not be less than 15 years.
Thirteen, after the implementation of the new agricultural insurance system, it has reached the age of 60, and why do their children who meet the conditions of insurance have to pay?
The new rural endowment insurance implements the family linkage insurance mechanism, which embodies the characteristics of equal rights and obligations of social endowment insurance. The new rural endowment insurance is a social endowment insurance system, not a pure welfare policy. One of its basic principles is the equality of rights and obligations, that is, the insured must fulfill certain obligations in order to enjoy the corresponding treatment. Children's insurance contributions are credited to my personal account for my future pension payment, not for my parents. Eligible children do not pay, their parents' pensions will be stopped, and their parents' pensions will be reissued and renewed after their children pay.
Fourteen, how to apply for pension collection procedures?
Insured persons who meet the conditions for receiving treatment shall apply for receiving treatment at the village committee where the household registration is located with bank passbook, household registration book, resident ID card and other materials. Village co-organizers will receive treatment procedures and report to the township agricultural insurance agency for preliminary examination, and the county agricultural insurance agency will review and confirm that it has not enjoyed other social insurance benefits, and then calculate the recipient's pension. Insured persons begin to enjoy the new rural insurance benefits from the second month after reaching the age of receiving.
Fifteen, what are the components of the new rural insurance pension benefits, and what are the standards?
According to the national regulations, the pension benefits of the new rural insurance are composed of basic pension and personal account pension, which are paid for life. The basic pension standard is 55 yuan per person per month, and the monthly payment standard of personal account pension is the total personal account divided by 139. After the funds in the personal account of the insured are collected, the government will continue to pay the personal account pension for life.
Sixteen, receive a pension during the period of being sentenced or reeducation through labor whether to enjoy pension benefits?
Pensioners who have been sentenced or re-educated through labor during the pension period will stop enjoying the pension insurance benefits. After the expiration of the sentence, the pension insurance benefits will continue to be issued, and the benefits during the suspension period will not be reissued.
17. How does the new rural insurance system connect with other rural insurance systems?
(A) convergence with the old rural insurance
The old rural insurance refers to the insured person who has reached the age of 60 and has received the old rural insurance pension, and can directly enjoy the basic pension of the new rural insurance. For the insured who have participated in the endowment insurance and are under the age of 60, the funds in the personal account of endowment insurance can be merged into the personal account of new endowment insurance, and the payment will continue according to the payment standard of new endowment insurance, and they can enjoy the treatment of new endowment insurance when they meet the prescribed conditions. If the insured does not want to merge according to this method, the principal and interest paid by the individual agricultural insurance can be returned to him in one lump sum to terminate the relationship between agricultural insurance and agricultural insurance.
(B) and rural insurance convergence
Rural old-age insurance refers to the personnel who participate in rural old-age insurance according to the Notice of Zigong Municipal People's Government on Launching the Pilot Work of New Rural Social Old-age Insurance (Han [2008]107), and such personnel are merged in the following ways:
1. Those who have received pensions will continue to receive pensions according to China's rural insurance standards, and the basic pension will be adjusted to 55 yuan, and the rest will be personal account pensions.
2.20 1 1 Before June 30th, insured persons who have reached the age of 55 and men who have reached the age of 60 can go through the formalities of receiving and enjoying the pension benefits according to the rural insurance system in China, and enjoy the adjustment of the basic pension benefits of the new rural insurance after reaching the age of 60.
3.20 1 1 Before June 30th, the insured whose female is under 55 years old and whose male is under 60 years old should incorporate the principal and interest of middle-aged agricultural insurance payment into the new rural insurance personal account and pay according to the new rural insurance system.
If the insured person does not want to merge according to the above methods, he can deduct the principal and interest paid by the agricultural insurance from the total pension and return it to him to terminate the agricultural insurance relationship.
Eighteen, how to adjust the new rural insurance benefits?
According to the unified provisions of the state and the province, timely adjust the minimum standard of the new rural insurance basic pension.
19. Can personal account funds be inherited?
Regardless of whether the insured person dies during the payment period or during the collection period, except for government subsidies, the balance of personal account funds can be inherited according to law and returned to the legal heir or designated beneficiary at one time.
Twenty-one, under what circumstances can the insured surrender?
In any of the following circumstances, the insured may go through the formalities of surrender:
(a) the insured person goes abroad (border) to settle down;
(two) the insured person moved out of the county, did not carry out the new rural insurance and the old-age insurance relationship can not be received;
(3) Died during the period of insurance or collection;
(4) After the insured person becomes a civil servant, a public institution or participates in social insurance for urban workers, the insurance relationship cannot be transferred.
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