New rural insurance in Shiyan City, Hubei Province

It is ideal for rural residents to participate in the new rural insurance now.

Suizhou belongs to Hubei, approved by the pilot work leading group of new rural old-age insurance in the State Council, with 65438+ in chibi city, Xianning, Shishou, Jingzhou, huangpi district, Yidu, Nanzhang, Huanggang, Xisaishan, Xiaogan, Anlu, Ezhou, laifeng county, Shiyan, Zhongxiang and Zengdu. Xihe belongs to Zengdu District and is within the scope of the pilot project. You and your parents can participate in the new rural insurance.

1 The insurance formalities shall be handled in the village committee;

There are clear rules on how much to pay, how many years to pay, and how much to take after one month of age. Just go and handle it.

When one person signs an insurance contract, there will be no mutual transfer between two people, but the new rural insurance can be linked with other types of old-age insurance. For more information, see the following:

Opinions of Hubei Provincial People's Government on Implementing the Pilot Work of New Rural Social Endowment Insurance

People's governments of cities, counties and departments of the provincial government: In order to conscientiously implement the spirit of Guiding Opinions of the State Council on Launching the Pilot Project of New Rural Social Endowment Insurance (Guo Fa [2009]10/No.), we hereby put forward the following implementation opinions on launching the pilot project of new rural social endowment insurance in our province. I. Basic principles

The basic principle of the new rural insurance pilot 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 (families), collectives and governments share responsibilities reasonably, and their rights and obligations correspond; Third, the combination of government-led and farmers' wishes will guide rural residents to participate in insurance; The fourth is to implement territorial management for rural residents who participate in the insurance.

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. The pilot work of new rural endowment insurance began in 2009 and will be gradually expanded in the future. By 2020, we will basically achieve full coverage of rural school-age residents in the province.

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. The people's governments of pilot counties (cities, districts) may add payment grades according to local conditions. Insured people choose their own grades to pay, and pay more.

(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 new rural insurance basic pension to eligible insured persons in full, and the central government gives full subsidies 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 that of 30 yuan per person per year, of which the financial burden of 20 yuan at the provincial level and the pilot counties (cities, districts) are not lower than 10 yuan.

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 pilot counties (cities, districts). The people's governments of pilot counties (cities, districts) pay part or all of the minimum standard old-age insurance premiums for rural severely disabled groups.

(four) the new rural social endowment insurance fee shall be approved by the human resources and social security departments of the pilot counties (cities, districts) and levied by the financial departments.

Five, the establishment of personal accounts

The human resources and social security department shall establish a personal account of endowment insurance with lifelong 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.

(1) basic pension. The basic pension standard set by the central government is 55 yuan per person per month. Conditional pilot county (city, district) people's government may appropriately raise the basic pension standard, and for rural residents who pay for a long time, the basic pension may be appropriately increased, and part of the funds raised and increased shall be paid by the pilot county (city, district) people's government.

(2) Personal account pension. The monthly calculation and payment standard of personal account pension is the total storage amount of personal account divided by 139 (the same as the current calculation and payment coefficient of personal account 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 insurance conditions must pay for insurance.

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. Encourage young and middle-aged farmers to actively participate in insurance, pay for a long time, and pay more for how long.

Eight. fund management

The new agricultural insurance fund is included in the financial special account of the social security fund at the same level, managed by two lines of revenue and expenditure, accounted for separately, and maintained and increased in accordance with the relevant provisions of the state. In the pilot stage, the new rural endowment insurance fund is temporarily managed by the county level. With the expansion and opening up of the pilot, the management level will be gradually improved.

Establish and improve the financial management measures of the new agricultural insurance fund. The specific measures shall be formulated by the Provincial Department of Finance in conjunction with the Provincial Department of Human Resources and Social Security.

Nine. Fund 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. Finance, supervision, auditing and other departments should supervise according to their respective responsibilities, and it is strictly forbidden to misappropriate funds to ensure the safety of funds. The pilot counties (cities, districts) new agricultural insurance agencies and villagers' committees publicize the eligibility of the insured in the village for payment and treatment within the administrative village every year, and accept supervision by the masses.

X. Processing management services

(a) counties (cities, districts) to carry out the new agricultural insurance pilot, to accurately record the rural residents insurance payment and receive treatment, establish insurance files, and properly keep them for a long time; It is necessary to establish a new agricultural insurance information management system, incorporate it into the 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. We should make full use of modern information technology and financial network to provide efficient and convenient services for the new rural old-age insurance, and do a good job in account management, policy consultation, inquiry service and pension payment.

(two) to strengthen the construction of loading and unloading capacity. Pilot counties (cities, districts) should, in accordance with the principle of streamlining efficiency, improve the new agricultural insurance agencies, establish a new agricultural insurance network in towns and villages, and improve the service level. The new agricultural insurance staff and working funds shall be included in the fiscal budget at the same level, and shall not be spent from the new agricultural insurance fund.

XI。 Links to related systems

(1) Linking up with the old agricultural insurance. The rural social endowment insurance (hereinafter referred to as the old rural endowment insurance), which is mainly based on individual contributions and completely personal accounts, should be well connected with the new rural endowment insurance system. In the pilot counties (cities, districts) of the new rural insurance, the insured who has participated in the new rural insurance and has 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 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.

(two) in line with the basic old-age insurance for urban workers and other old-age insurance systems, in accordance with state regulations.

(III) Do a good job in the connection between the new rural insurance system and the social security of landless farmers, the late support policies for reservoir resettlement, the rural family planning reward and assistance policies, the rural five guarantees, social preferential treatment, the rural minimum living security system and other policies and systems, and implement them in accordance with state regulations. Other social security benefits enjoyed by the insured of the new rural insurance will remain unchanged until the relevant convergence policies are promulgated by the state.

(four) the pilot counties (cities, districts) should explore the convergence policy between the old-age insurance for village cadres and the new rural insurance system.

Twelve. Organization, leadership and implementation

(1) Strengthen organizational leadership. People's governments at all levels should fully understand the great significance of the pilot work of the new rural endowment insurance, take it as an important project to implement Scientific Outlook on Development, coordinate urban and rural development, solve people's livelihood problems and build a harmonious society, incorporate it into the local economic and social development plan and the annual target management assessment system, and earnestly strengthen organizational leadership. The provincial people's government set up a leading group to study and formulate relevant policies, supervise and inspect the implementation of policies, and coordinate and solve problems in the pilot work. The people's governments of pilot counties (cities, districts) should also set up a leading group for the pilot work of the new rural endowment insurance, study and formulate relevant policies for the new rural endowment insurance, and strengthen work guidance and supervision. 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.

(two) to develop a pilot implementation plan. The people's governments of pilot counties (cities, districts) shall, according to the "Implementation Opinions", formulate practical pilot implementation plans on the basis of full investigation, multi-party argumentation and prudent calculation, and combine with local conditions, and report them to the provincial people's government for approval before implementation.

(3) do a good job in publicity. 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 localities should adhere to the correct direction of public opinion, strengthen the propaganda of the significance of the pilot work and the basic principles and policies, so that this policy of benefiting the people is deeply rooted in the hearts of the people.

Pilot counties (cities, districts) should promptly study and solve new situations and problems in their work, actively explore and summarize methods and experiences to solve new problems, properly handle the relationship between reform, development and stability, constantly improve relevant policies, actively and steadily do a good job in pilot work, and earnestly do a good job.

Thirteen, not included in the national new agricultural insurance pilot places can refer to the "implementation opinions" to carry out the pilot, the funds required by the local government is responsible for raising.

20091February 28th?

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