Research on Social Insurance of Rural Residents in Nanchuan Township, zhenyuan county

1, rural hukou can participate in the local rural cooperative medical system, and the payment is very low, but the guarantee is not high. As long as you pay in the village, you don't need to go through any formalities;

2. Individuals with rural hukou cannot participate in social security; 3 rural hukou work in cities and towns, can be unified by the unit to participate in social security, procedures handled by the unit, do not need individuals to handle;

4. You can consider participating in the insurance of commercial insurance companies.

But have you ever thought about whether you should apply for this insurance or consider doing other insurance? Because as far as I know, the old-age insurance has to be paid for fifteen years, and I can get the due fee every month after retirement.

Let's take a look at some relevant information I copied to you:

Rural social endowment insurance is a national system to ensure the basic livelihood of all farmers in their old age and an important policy of the government. Its guiding ideology and basic principles are as follows: the establishment of rural social endowment insurance system should proceed from the reality of rural areas in China and aim at ensuring the basic livelihood of the elderly; Adhere to the principle of giving priority to individual contributions, supplemented by collective subsidies, and the state gives policy support; Adhere to self-help, supplemented by mutual assistance; Adhere to the combination of social pension insurance and family pension; Adhere to the integration direction of social endowment insurance system for rural farmers, migrant workers, businessmen and other personnel. The rural social endowment insurance implements the principle of combining government guidance with voluntary participation of the masses. Labor and social security departments at all levels are the competent departments of rural social endowment insurance, responsible for the collection, declaration, summary and distribution of endowment insurance premiums and other specific management services.

The insured object of rural social endowment insurance

Farmers under 60 years of age, employees of township enterprises, rural conscripts, township recruitment cadres and other non-urban rural workers within the administrative region of this province can participate in rural social endowment insurance according to their accounts.

Raise rural social endowment insurance fund

The rural social endowment insurance premium shall be paid by the insured annually or in installments within the insurance period. Installment payment, the down payment standard generally starts from 200 yuan; Annual payment, the payment standard in 24 yuan as the starting point.

The endowment insurance agency shall prepare the insurance number for the insured in accordance with the regulations, and establish a personal account for the insured according to the insurance premium paid by the insured.

When the insured person is insured, the unit to which he belongs shall give the insured a subsidy of not less than 20% of the insured amount according to the actual situation, and the part of the unit subsidy and the part paid by the individual shall be credited to the personal account. If the insured person moves in different places, he may apply to the floating endowment insurance agency for the transfer of personal accounts.

Calculation and development of rural social endowment insurance

The insured shall receive the old-age insurance money on a monthly, quarterly or annual basis from the month following the age of 60. The collection standard is determined according to the total accumulated endowment insurance premium in the personal account of the insured.

The guarantee period for the insured to receive pension insurance money is 10 year. If the insured is still alive at the expiration of the time limit, his old-age insurance money will continue to be collected according to the original standard.

If the insured dies 10 years ago after receiving the old-age insurance, the balance stored in his personal account shall be returned to his successor or designated beneficiary in one lump sum.

Management of rural social endowment insurance fund

In accordance with the provisions of laws and regulations, rural social endowment insurance funds should be stored in special accounts and used for special purposes. No unit or individual may misappropriate, transfer, occupy or directly invest. To resort to deceit impersonator pension insurance, in addition to recover the impersonator pension insurance, by the county-level labor and social security departments in 200 yuan following a fine.

Measures for the pilot implementation of one-time old-age insurance incentives for rural only-child couples and double-female ligation couples in Yunnan Province

Article 1 In order to implement the basic national policy of family planning, reward those who consciously practice family planning, explore rural family planning old-age insurance methods, improve the interest-oriented mechanism of family planning, and promote the smooth development of family planning work in Yunnan Province, these measures are formulated in accordance with the Regulations of Yunnan Province on Family Planning and the Decision of Yunnan Provincial Party Committee and Provincial People's Government on Strengthening Population and Family Planning Work to Further Reduce the Fertility Level.

Article 2 The term "one-child couples in rural areas" as mentioned in these Measures refers to couples who are both agricultural people, voluntarily give birth to only one child for life, receive the Honor Certificate of the One-child Parents, and implement effective birth control measures; A couple with double female ligation in rural areas refers to a couple who are both agricultural workers and have only two girls according to the policy, and one of them has implemented ligation measures.

Article 3 According to the local economic and social development level and the current situation of family planning work, and in line with the principle of "from point to area, pilot first, and gradual popularization", it is determined to carry out pilot projects in 16 counties (cities, districts), namely Xundian County, Zhenxiong County, Zhanyi County, Chuxiong City, Huaning County, Kaiyuan City, Wenshan County, Jingdong County, Jinghong City and Dali City. The pilot counties (cities, districts) are divided into three categories: one is Chuxiong City, Kaiyuan City, Dali City and Longyang District; The second category is Zhanyi County, Huaning County, Jingdong County, Lanping County and Lijiang County; The three categories are Jinghong City, Xundian County, Zhenxiong County, Wenshan County, Luxi City, Zhongdian County and Yunxian County.

Article 4 On the basis of continuing to implement the incentive policy stipulated in the Regulations, the one-time old-age insurance for rural one-child couples and double-female ligation couples (hereinafter referred to as one-time old-age insurance) shall be insured with the rural social old-age insurance agency of the local government (hereinafter referred to as the agricultural insurance agency). Insurance standard: one-child couple 1 1,000 yuan (each couple enjoys 500 yuan); In 500 yuan, a couple has two female vasectomies (couples each enjoy 250 yuan). Both husband and wife are insured. The man is over 60 years old and the woman is over 55 years old.

All localities can improve the insurance payment standard according to local conditions. The insured can increase the insurance premium by himself, and the insurance premium will be included in the insured's personal account.

Article 5 The insurance funds for the one-time endowment insurance awards shall be borne by the provincial, prefectural and county finances according to categories and proportions: the first category of provincial finances shall bear 30%, and the prefectural (prefecture, city) and county (city, district) finances shall bear 70%; 40% of the provincial finance in the second-class areas and 60% of the local (state, city) and county (city, district) finance; The provincial finance of the three regions is 60%, and the local (state, city) and county (city, district) finance is 40%.

The proportion of each state (city) and county (city, district) shall be determined by each place, state and city.

Sixth pilot work under the leadership of the local people's government, the family planning department is responsible for organizing the implementation, and the financial department actively cooperates.

Seventh pilot counties (cities, districts) family planning departments responsible for the audit of the insured, for its insurance procedures; Supervise and inspect the handling of endowment insurance; Do a good job in the management and reporting of statistics and files.

Eighth financial departments at the beginning of each year according to the insurance plan formulated by the family planning department, insurance funds will be included in the annual budget. Provincial, prefectural (city) financial departments should timely allocate subsidy funds to pilot counties. The financial departments of pilot counties (cities, districts) shall timely allocate insurance funds to agricultural insurance agencies according to the insurance plan submitted by the family planning department.

The financial departments at the provincial, prefectural and county levels should strengthen the supervision and inspection of the use of insurance funds, ensure that the pilot funds are earmarked, and prohibit interception, misappropriation, embezzlement and change of the use of funds.

Article 9 After receiving the insurance money, the agricultural insurance agency shall issue the payment voucher of family planning old-age insurance to the insured, and provide the family planning old-age insurance information to the family planning department at the same level in time, effectively strengthen the management of old-age insurance premiums, ensure the safe appreciation of funds and ensure the timely payment of pensions.

Article 10 Those who meet the incentive conditions of one-time old-age insurance shall apply by themselves, fill in the Application Form for Insuring Family Planning One-time Old-age Insurance in triplicate (hereinafter referred to as the application form), sign the Contract for Handling Family Planning One-time Old-age Insurance with the township and subdistrict family planning offices (hereinafter referred to as the contract), and fill in the Application Form for Insurance, which shall be submitted to the county-level family planning department for approval by the township family planning office, and the county-level family planning department shall be the insured. If the insured voluntarily increases the insured amount, the relevant formalities can be handled at the same time according to the regulations.

Eleventh couples who have handled one-time family planning pension insurance should consciously implement family planning laws, regulations and policies. Married women of childbearing age should consciously accept regular pregnancy tests in accordance with the regulations. Double female ligation couples, the woman after the implementation of ligation measures, should take the initiative to accept two quarterly pregnancy tests within six months; If the man implements ligation measures, the woman should take the initiative to receive four quarterly pregnancy tests within one year.

Article 12 During the validity period of insurance, if the insured gives birth unplanned, or adopts other people's children in violation of family planning regulations, or gives birth after remarriage, or the registered permanent residence moves out of the province, the insurance reward will be automatically lost and the insurance contract will be invalid at the same time. The agricultural insurance agency shall surrender with the certificate and insurance policy issued by the family planning department. The surrender premium shall be paid by the insured to the county finance.

Article 13 If the insured's household registration is "rural to non-agricultural", he can continue to enjoy the insurance incentive treatment. If the insured's spouse is childless after his death, he may continue to receive insurance money. If the insured get divorced, they will get insurance money according to their respective insurance amounts. If the household registration of the insured is transferred in the province, the insurance relationship can be transferred with the household registration.

Article 14 If the insured commits any of the following acts, he shall not go through the insurance formalities:

1, failing to implement birth control measures as required;

2. Failing to fill in the Application Form, Contract and Insurance Policy or failing to provide relevant information as required.

Fifteenth insured persons have one of the following surrender behavior, shall be investigated for responsibility in accordance with the relevant provisions of the "Regulations" of family planning in Yunnan province:

1, unplanned birth;

2. Adopting other people's children in violation of family planning regulations;

3. Failing to implement birth control measures as required;

4, in violation of the family planning policy, unauthorized removal of intrauterine devices, or tubal recanalization surgery.

Sixteenth interception, misappropriation, embezzlement and change the use of insurance funds, shall be investigated for the responsibility of the responsible person and the responsible person of the relevant unit.

Seventeenth approach by the Yunnan Provincial Family Planning Commission is responsible for the interpretation of.

Article 18 These Measures shall come into force as of the date of promulgation.

References:

Personal advice and help found on the internet.