If the insured person dies during the payment period, will the heir continue to pay the payment until 15 years?

Insured population: 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 can voluntarily participate in the new rural insurance at their domicile.

Registration procedures and procedures: 1. The enrollment process takes the village (community, neighborhood Committee) as the unit, and the insured unit goes through the registration formalities. When you are insured for the first time, you should fill in the Registration Form for Participating in Old-age Security (Insurance) Units. 2. Persons who meet the conditions for insurance shall bring their household registration book, original and photocopy of ID card and one-inch bareheaded photos to the labor security management service station in the village (including neighborhood committees and communities, the same below) for insurance. The village is responsible for the preliminary examination of the insured qualification and fill in the "Publicity Form for Farmers' Basic Old-age Insurance Insured Persons" for publicity for one week, and those who have no objection fill in the "Registration Form for Farmers' Basic Old-age Insurance Insured Persons" (hereinafter referred to as the registration form). If the insured person is a soldier or a veteran, he shall provide a military service certificate issued by the People's Armed Forces Department, fill in the Application Form for Government Subsidies for Active Servicemen of Basic Old-age Insurance for Farmers, and report it to the town (street) labor security management service office.

Rural endowment insurance system

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 insurance shall 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 exceeds 15 years, the payment shall be made annually, and the accumulated payment shall not be less than 15 years.

In the pilot area of the new rural insurance, the insured who have participated in the old rural insurance and have reached the age of 60 and received the old 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.

New rural insurance payment standard

Rural residents who participate in the new rural old-age insurance shall pay the old-age insurance premium according to the regulations. The payment standard is tentatively set at 100 yuan per year, divided into five grades in 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.

How to calculate and pay the pension for participating in the new rural insurance

I have participated in the new rural endowment insurance, and I would like to ask how much pension I can get every month after I have paid enough 15 years.

The pension you get consists of two parts, one is the basic pension, and the other is the monthly pension in your personal account. 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.

How to pay insurance when the retirement age is less than fifteen years?

I'm 55 years old, and I can only pay five years' premium when I'm 60. I heard that 15 years can't enjoy old-age insurance. What should I do?

You haven't fully understood the relevant policies of the new rural endowment insurance. According to the regulations, when the new rural insurance policy is implemented, people over 60 years old are called "old people", people between 46 and 59 years old are called "middle people" and people under 45 are called "new people". Different policies are implemented for these three types of people. At the beginning of the new rural insurance pilot, people over 60 years old can enjoy the basic pension as long as their children are insured; Rural residents aged 46 to 59 who pay less than 15 years can pay the fees according to the actual years, or they can pay the premiums in one lump sum, and the local financial subsidies will be in place at the same time. After the pilot is started, the insured persons under 45 years of age will not enjoy the one-time payment policy, but will pay annually, and the accumulated payment will not be less than 15 years.

Can rural social endowment insurance be inherited?

According to the provisions of China's Inheritance Law, heritage includes citizens' legitimate income, citizens' houses and daily necessities, citizens' trees, livestock and poultry, citizens' books, cultural relics and other collectibles, means of production that citizens are allowed to own by law, property rights in citizens' intellectual property rights and other legal properties that can be inherited according to law. Pension can be inherited as a citizen's legacy. But it is divided into two situations: if the beneficiary is specified in the old-age insurance contract, the beneficiary will get the old-age insurance money. If the beneficiary is not specified in the contract, the insurance money can be taken as the inheritance of the insured and obtained by his heirs.

Inheriting old-age insurance money is divided into two situations: one is that the insured dies during the payment period. All insurance premiums paid by the insured shall be returned to his legal heir or designated beneficiary. The other is that the insured dies while receiving a pension. We know that the period for the insured to receive the pension is 10 year. If he dies less than 10 years after receiving the pension, the balance of individual contributions in the individual pension insurance account can be returned to his legal heir at one time; If there is no heir or designated beneficiary, the funeral expenses shall be paid in accordance with the relevant provisions of the rural social endowment insurance management institution. Therefore, children have the right to inherit and receive their parents' pensions. The pension here is inherited by the children as the inheritance of the parents.

What are the conditions for receiving the pension benefits of the new rural insurance?

According to "Guiding Opinions of the State Council on Launching the Pilot Project of New Rural Social Endowment Insurance", the elderly registered in rural areas who have reached the age of 60 and have not enjoyed the basic old-age insurance for urban workers can receive a monthly pension.

At the same time, when the new rural insurance system is implemented, those who have reached the age of 60 and do not enjoy the basic old-age insurance benefits for urban workers can receive basic pensions on a monthly basis without paying fees, but their eligible children should pay for insurance; If the age before collection is less than 15 years, the annual payment is allowed, and the accumulated payment is not more than 15 years; From the age 15 years old, should be paid annually.

Fee, the cumulative payment is not less than 15 years.

How do employees of rural foreign-invested enterprises pay insurance premiums?

On-the-job personnel of rural foreign-invested enterprises and private enterprises are generally implemented in accordance with the relevant provisions of the endowment insurance for urban employees. Therefore, the measures stipulated by the state for farmers' contract workers to participate in endowment insurance are: the payment standard shall be implemented according to the state regulations, and the local regulations shall be implemented if there are local regulations. After the termination or dissolution of the labor relationship with the enterprise, the social insurance agency shall keep its pension insurance relationship, keep its personal account and bear interest; Where re-employment, should continue or transfer the pension insurance relationship; Can also be in accordance with the provisions of the provincial government, according to the situation of farmers' contract workers themselves, the individual contributions in personal accounts will be paid to me in one lump sum, and the pension insurance relationship will be terminated. Farmers' contract workers who have reached the age of 60 for men and 55 for women, and whose cumulative payment period exceeds 15, can receive basic pension according to regulations; If the cumulative payment period is less than 15 years, the total amount of personal account storage is 1 times.

Employees and farmers contract workers who are employed in different cities and towns participate in the social insurance where the unit is located, and the social insurance agency shall establish personal accounts for basic old-age insurance and basic medical insurance for employees. Workers who are employed in cities and towns in different places enjoy social insurance benefits at the place where the payer is located according to regulations. After the termination or rescission of the labor contract, the social insurance agency may issue me a one-time basic old-age insurance and basic medical insurance personal account storage and unemployment insurance living allowance.

When changing jobs, how to transfer the endowment insurance premium paid by migrant workers?

According to the Interim Measures for the Transfer and Continuation of the Basic Old-age Insurance for Employees of Urban Enterprises, which will be implemented on June 65, 2065, 438+00+0, all employees who participate in the basic old-age insurance for employees of urban enterprises, including migrant workers, can transfer the basic old-age insurance relationship when they are employed across provinces; While transferring the amount of personal account storage, it also transfers some units to pay fees; Payment period of insured persons in various places

The combined calculation and cumulative calculation of individual account storage amount treat migrant workers equally.

For a long time, the old-age insurance relationship can not flow with people, which seriously dampened the enthusiasm of migrant workers to participate in insurance. This is because once migrant workers leave their workplaces, the only choice is to give up their insurance. However, the current policy is to refund only the part paid by individuals, and the part paid by enterprises is intercepted by social security institutions. In other words, when people leave, they can't give the old-age insurance paid by enterprises to individuals. The more developed coastal cities with intensive land use, the cheaper they are for migrant workers, and the richer the local social security, the more willing they are to open the door for migrant workers to "surrender". However, in recent years, many regions have actively implemented the national policy of benefiting farmers, guaranteed the convenience of migrant workers, and issued some regulations that are conducive to promoting migrant workers to actively participate in insurance. For example, the "Interim Provisions on the Basic Endowment Insurance for Migrant Workers in Qingdao" is sealed, and those who re-employ in this overall planning area and participate in the endowment insurance for urban workers will continue the social insurance relationship. Migrant workers who participated in the basic old-age insurance for urban workers in this city left the overall planning area for re-employment. Upon my application, I can transfer the social insurance relationship to the re-insurance place. Migrant workers who are not registered in this city leave the overall planning area and the social insurance relationship cannot be transferred. Upon my written application, I can take my personal ID card to the social insurance agency where the unit pays the fee to handle the one-time termination of the social insurance relationship, and the social insurance agency will pay me the amount stored in my personal account in one lump sum.

How to change the payment of old rural insurance into new rural insurance

Some villagers in my village have participated in the old farmer's insurance. After the implementation of the new rural insurance policy, they also participated in the new rural insurance. How to change the old rural insurance payment into the new rural insurance?

Those who have participated in the original rural old-age insurance and have not yet reached the age of receiving pensions will be paid according to the prescribed payment standards from the date of implementation of the new rural old-age insurance policy. When they reach the pension age, they will receive pension benefits according to the new policy. The original payment period can be combined with the payment period after the implementation of the new policy. If the original payment amount is lower than the current payment standard, the payment period shall be converted according to the current payment standard. At the start of the new rural endowment insurance pilot, the insured who has participated in rural social endowment insurance and has reached the age of 60 and started to receive pensions will continue to receive the original personal account pension and enjoy the basic pension.

Is it in line with the policy that migrant workers can participate in the new rural insurance?

I am 35 years old. I went to work in our county before I was 25 years old, and the company gave us basic old-age insurance. Our county has also implemented the new rural insurance policy. My family called and asked me if I wanted to participate in the new rural insurance. What should I do?

Migrant workers flow frequently. They may settle in cities and become citizens, or they may return to the countryside. If they participate in the basic old-age insurance for urban workers in the enterprise and enjoy the treatment of urban insurance, then they don't have to participate in the new rural insurance; Do not meet the conditions for enjoying the old-age insurance for urban workers. If the accumulated payment is less than 15 years, the accumulated payment of the old-age insurance for urban workers can be transferred to the personal account of the new rural insurance according to the relevant regulations, and receive the treatment according to the provisions of the new rural insurance.

What is the new rural social endowment insurance system? What is the financing mode of the new rural endowment insurance?

The so-called new rural social endowment insurance system (hereinafter referred to as the new rural endowment insurance) is relative to the old rural endowment insurance. 65438-0992 The Ministry of Civil Affairs issued the Basic Plan of Rural Social Endowment Insurance at County Level (Trial), trying to implement the social endowment insurance system in rural areas. Because its source of funds mainly depends on farmers' own contributions to form personal accounts, it is actually a self-saving model with a low degree of socialization.

Failure to fully mobilize the enthusiasm of farmers. In 2008, "the Central Committee of the Communist Party of China's Decision on Several Major Issues in Promoting Rural Reform and Development" proposed for the first time that a new rural social endowment insurance system should be established according to the requirements of combining individual contributions, collective subsidies and government subsidies. In 2009, "Guiding Opinions of the State Council on Launching the Pilot Project of New Rural Social Endowment Insurance" (1~2009

No.332) was promulgated, and the pilot work of the new rural insurance was launched nationwide.

The basic principle of establishing a new rural old-age insurance is "basic, wide coverage, flexible and sustainable". First, proceed from the rural reality, start at a low level, and the standards of financing and treatment should be compatible with economic development and affordability in all aspects; Second, individuals, collectives and governments should share responsibilities reasonably, and their rights and obligations should be adapted; Third, the combination of government guidance and farmers' wishes will guide farmers to participate in insurance generally; 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.

Compared with the old rural insurance, the biggest feature of the new rural insurance is that it adopts the financing mode of combining individual contributions, collective subsidies and government subsidies. According to the relevant provisions of the "Guiding Opinions of the State Council on Launching the Pilot Project of New Rural Social Endowment Insurance", the new rural endowment insurance fund is raised in the following ways:

(1) individual payment. When rural residents participate in the new rural insurance, they should pay the old-age insurance premium according to the regulations. The payment standard is tentatively set at 100 yuan per year, 200 yuan, 300 yuan, 400 yuan and 500 yuan, but different places can add payment grades according to actual conditions. Insured people choose their own grades to pay, and pay more. According to the growth of per capita net income of rural residents, the state adjusts the payment grade in a timely manner.

(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 old-age insurance premiums for important disabled people in rural areas and other groups with payment difficulties.

How does the new rural insurance connect with other old-age insurance and security systems?

According to the "Guiding Opinions of the State Council on Launching the Pilot Project of New Rural Social Endowment Insurance", the areas that have already launched rural social endowment insurance with individual contributions as the mainstay and complete personal accounts (hereinafter referred to as rural social endowment insurance) should be well connected with the new rural social endowment insurance system on the basis of properly handling the creditor's rights of rural social endowment insurance funds. In the pilot area of the new rural insurance, all the insured who have participated in the new rural insurance and have reached the age of 60 and 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 old-age insurance, and continue to pay according to the payment standard of the new old-age 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.

What are the payment methods of rural social endowment insurance?

The rural social endowment insurance adheres to the principle of "individual contributions as the mainstay, collective subsidies as the supplement, and national policy support". Its payment methods can be roughly divided into three types: the first is regular payment. This method is usually adopted by regions and people with relatively stable or rich incomes. For example, township enterprises can pay monthly and quarterly premiums, and farmers in rich areas can pay insurance for half a year or a year.

Fee, the amount paid can be a certain proportion of income, but also can be paid according to a certain amount. The second is irregular payment. Because of the unstable income, this is the way adopted in most areas. Pay more in good years, pay less in young years and pay less in bad years. Pay when the family income is good, and don't pay when it is bad. The third is a one-time fee. Most of them are older farmers. When they are old, they will pay premiums in one lump sum according to the level of security and receive pensions according to regulations until they are 60 years old.

In addition, when individuals are really unable to pay endowment insurance due to various natural disasters or other reasons, they can temporarily stop paying insurance premiums within a specified time with the approval of the social endowment insurance management department. When the economic situation improves, payment should be resumed. For the premium of the suspension period, it can be made up voluntarily if conditions permit.

How to treat the endowment insurance of landless peasants

Land-expropriated farmers in urban planning areas who meet the requirements of enjoying the minimum living guarantee for urban residents should be included in the minimum living guarantee for urban residents according to regulations. Conditional areas can include landless farmers in the social insurance coverage of urban workers' pension, medical care, unemployment and so on. And through the current urban social security system to solve their basic living security problems. Land-expropriated farmers who have established the rural social endowment insurance system, piloted the new rural cooperative medical system and implemented the rural minimum living security system outside the urban planning area should be included in the corresponding protection scope according to relevant regulations.

Some cities have introduced a new social endowment insurance system for landless farmers, which combines social individual planning with accounts in the system model; In the financing mechanism, individuals, village collectives, streets, districts and cities share the burden; In terms of the source of insurance funds, the payment of landless farmers and village collectives mainly comes from land compensation fees and resettlement subsidies; Street subsidies should be paid from land income or social insurance reserves. The age standard for receiving a pension is 60 for men and 55 for women.

How do employers and migrant workers pay the basic old-age insurance premium?

Employers and individual migrant workers pay the basic old-age insurance premium. The payment base is determined according to the relevant provisions of the basic old-age insurance. The unit contribution ratio is12%; The proportion of individual contributions of migrant workers is 4%~8%, which is withheld and remitted by the unit from my salary, and all of them are included in my personal account of basic old-age insurance (hereinafter referred to as personal account). Migrant workers and employers who have participated in the basic old-age insurance can adjust the payment standard according to these measures.

For example, in April 2005, the Qingdao Municipal Government promulgated and implemented the Interim Provisions on Basic Endowment Insurance for Migrant Workers in Qingdao. According to Article 3 of the Interim Provisions: "The basic old-age insurance premium shall be paid by the employer and the migrant workers themselves. The employer shall take the product of 60% of the total number of migrant workers in the unit and the average wage of employees in urban units in the previous year as the base, and pay in accordance with the proportion of 20%. Individual migrant workers pay the old-age insurance premium on a monthly basis (if the wage income is lower than 60% of the average wage of employees in local urban units in the previous year, it will be paid according to 60% of the average wage of employees in local urban units in the previous year; If my wage income is higher than 300% of the average wage of employees in local urban units last year, I will pay it at the rate of 8% based on the average wage of employees in local urban units last year, and the employer will withhold and remit it. Among them, migrant workers who are not registered in this city, after their own application, are declared by the employer to the social insurance agency, and individuals can pay the basic old-age insurance premium at the rate of 5%. " At the same time, Article 4 stipulates: "After the employer pays the basic old-age insurance premium for migrant workers, the social insurance agency shall establish a personal account for each insured migrant worker. Individual contributions of migrant workers are all included in personal accounts. " According to the above provisions, migrant workers and employers pay endowment insurance premiums at the same time, and they have the right to ask employers to handle social endowment insurance relations for them in accordance with the above provisions and pay certain endowment insurance premiums.

How do migrant workers handle the transfer, change and cancellation of social endowment insurance?

According to the relevant regulations, if the migrant workers who participate in the social basic old-age insurance terminate or terminate the labor relationship with the employer, their personal accounts for old-age insurance will be sealed by the social insurance agency, and if they re-employ in the overall planning area and participate in the basic old-age insurance for urban workers, the social insurance relationship will be continued. At the same time, migrant workers who participated in the basic old-age insurance for urban workers in this city left the overall planning area for re-employment. Upon my application, I can transfer the social insurance relationship to the re-insurance place. Migrant workers who are not registered in this Municipality leave the overall planning area, and the social insurance relationship cannot be transferred. Upon my written application, I can go through the one-time social insurance relationship termination procedures with my personal ID card to the social insurance agency where the unit pays the fees, and the social insurance agency will pay the personal account storage amount to me in one lump sum.

It can be seen that there are three ways to transfer the old-age insurance relationship of migrant workers: First, if migrant workers who participate in the basic old-age insurance for urban workers in this city leave the overall planning area to re-employment, their social insurance relationship can be transferred to the place where they re-participate. Second, if the migrant workers who participate in the basic social endowment insurance terminate or terminate the labor relationship with the employer, their personal accounts for endowment insurance shall be sealed by the social insurance agency, and if they are re-employed and participate in the basic endowment insurance for urban workers in the overall planning area, their social insurance relationship shall be continued. Third, migrant workers who are not registered in this city leave the overall planning area, and the social insurance relationship cannot be transferred. Upon my written application, they can go through the one-time social insurance relationship termination procedures with their personal ID cards at the social insurance agency where the unit pays fees, and the social insurance agency will pay the personal account storage amount to them in one lump sum.

Due to the change of identity, the old-age insurance has also changed. Migrant workers who become urban residents during the period of participating in the basic old-age insurance according to regulations shall participate in the old-age insurance according to the relevant provisions of the social basic old-age insurance for urban workers. In addition, when a newly established unit or unit is divided, merged, bankrupt, revoked, or recruits or dismisses personnel, it shall go through the registration change or cancellation procedures of the old-age insurance for the unit and its employees at the designated undertaking institution within one month. Agricultural and sideline employees' endowment insurance registration or cancellation of registration procedures shall be handled by their villages. When a unit is divided, merged, bankrupt or revoked, it must give priority to paying off the old-age insurance premiums that should be paid.

Demolition has little to do with population. The main body of demolition is the house, and the compensation for demolition is the compensation for the owner of the house. The compensation for demolition is not uniform throughout the country, with regional differences, but it is reasonable. Generally, you are resettled according to the square of the demolition, not according to the population. The state also has this policy. If the per capita square of the family population is small, "I forgot that it may be between 20 square meters and 30 square meters" can compensate a certain area in the resettlement community, but it is necessary.

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