Shehong county endowment insurance center

Ask this question and you will know that you are from Sichuan. I am from Sichuan, too. This is the policy of Sichuan. It is said that every place in Sichuan can enjoy this kind of old-age insurance. Children at home must buy this insurance when they reach the age of 16 to receive a pension. The following is the social endowment insurance policy in Sichuan. Take a closer look.

First, the significance of developing new rural social endowment insurance

Establishing a new rural social endowment insurance system is the fundamental requirement for further implementation of Scientific Outlook on Development. Adhering to people-oriented and coordinating urban and rural development is an important content of Scientific Outlook on Development. The establishment of a new rural social endowment insurance system is conducive to narrowing the gap between urban and rural areas, breaking the dual structure of urban and rural areas, truly providing farmers with a sense of security, ensuring the basic livelihood of elderly farmers and enabling farmers to better share the fruits of social and economic development.

Establishing a new rural social endowment insurance system is a moral and political project that benefits farmers and hundreds of millions of rural families. It will fully mobilize the enthusiasm, initiative and creativity of farmers, promote the sound and rapid development of rural economy, promote the construction of new socialist countryside, and form a good situation of people's well-being, family harmony and social harmony.

Two, to carry out the new rural social endowment insurance pilot objectives and tasks and basic principles

The goal and task of the new rural social endowment insurance pilot is to establish a new rural social endowment insurance system that combines individual contributions, collective subsidies and government subsidies, and implement a social security system that combines social pooling with individual accounts and is matched with other social security policies and measures such as family pension, social assistance and social welfare to ensure the basic livelihood of rural residents in old age.

The basic principle of establishing a new rural social endowment insurance system is "basic, wide coverage, flexible and sustainable". "Guaranteeing the basics" means ensuring the basic life of the rural elderly from the reality of the current level of economic development. "Wide coverage" means bringing as many rural residents as possible into the new rural social endowment insurance system by relying on the attractiveness of systems and policies. "Flexibility" means to adapt to the characteristics of rural areas and farmers and the differences in regional development, start at a low level, and the financing standards and treatment standards should adapt to economic development and the affordability of all aspects; Individuals (families) and the government share responsibilities reasonably, and their rights and obligations are compatible. "Sustainability" means that all levels of finance have the ability to pay, and farmers can bear it, and realize the preservation and appreciation of the new agricultural insurance fund under the condition of ensuring safety.

The general requirements of the pilot work of the new rural social endowment insurance are as follows: first, starting from the rural reality, the standard of financing and treatment should be adapted to the economic development and the affordability of all aspects, and start at a low level; Second, individuals (families), collectives and governments share responsibilities reasonably, and rights correspond to obligations; Third, the combination of government-led and farmers' wishes will guide rural residents to participate in insurance; Fourth, the central government determines the basic principles and main policies, and local governments formulate specific measures to implement territorial management for rural residents who participate in insurance.

Three, the main policies of the new rural social endowment insurance pilot

The new rural social endowment insurance establishes a financing mechanism that combines individual contributions, collective subsidies and government subsidies, and local finance subsidizes rural residents' contributions.

(1) Insurance coverage. Rural residents (excluding students at school) with household registration in this county who have reached the age of 16 may voluntarily participate in the new rural social endowment insurance if they have not participated in the basic endowment insurance for urban workers.

(2) fund raising. The new rural social endowment insurance fund consists of individual contributions, collective subsidies and government subsidies. Pay cash annually.

Personal payment. Rural residents who participate in the new rural social endowment insurance shall pay the endowment insurance premium according to the regulations. The payment standard is set to be 100 yuan per year, 200 yuan, 300 yuan, 400 yuan, 500 yuan, 600 yuan, 700 yuan, 800 yuan, 900 yuan, 100 yuan * * 10 grades. Insured people choose their own grades to pay. Encourage young and middle-aged farmers to actively participate in insurance payment and pay more for long-term payment. In the future, the county government will adjust the payment grade according to the unified requirements of the state, province and city.

Government subsidies. The central government pays the basic pension in full to the insured who meet the conditions for receiving the pension; The provincial, municipal and county governments give basic subsidies to the insured, and subsidize 30 yuan every year for those who choose 100 yuan and 200 yuan payment grade; Choose the payment grade of 300 yuan, 35 yuan per person per year; By analogy, every time the payment standard is raised, the government subsidy will increase 5 yuan, and the highest subsidy will be 70 yuan.

Collective subsidies. Conditional villages and social collectives can give subsidies to the insured, and the subsidy standard is determined by the villagers' committee (villagers' group) meeting. Encourage other economic organizations, social welfare organizations and individuals to provide financial support for the insured.

Severely disabled people with disability grade 1 2 participate in the new rural social endowment insurance, and the government pays the old-age insurance premium for them every year 100 yuan; Mild disabled people with disability grade 3 or 4 participate in the new rural social endowment insurance, and the government pays the endowment insurance premium 50 yuan for them every year.

(3) establishing a personal account. The county urban and rural residents' social endowment insurance administration establishes a personal pension account with lifelong records for each insured person. Individual contributions, collective subsidies and other economic organizations, social welfare organizations, individual contributions of the insured, subsidies and interest paid by governments at all levels to the insured are all credited to individual accounts. At present, the amount of personal account storage is determined with reference to the one-year deposit interest rate of RMB announced by the People's Bank of China and the Provincial Department of Human Resources and Social Security and the Provincial Department of Finance.

(4) conditions for receiving pension benefits.

Insured persons who have reached the age of 60 and have not enjoyed the basic old-age insurance for urban workers can receive a monthly pension.

Have reached the age of 60, did not enjoy the basic old-age insurance benefits for urban workers and rural residents in the county without payment, can receive the basic pension on a monthly basis, but their children who meet the insurance conditions should pay insurance (elderly rural residents who have reached the age of 60 can directly enjoy the basic pension).

Rural residents over 45 years of age but under 60 years of age shall pay the annual fee, which is allowed to be paid back, or they may pay the endowment insurance premium with insufficient years in one lump sum, and the cumulative payment period shall not exceed 15 years; When the new rural social endowment insurance is implemented and paid off within two years, the government will give corresponding payment subsidies. If it is repaid over two years, it will not enjoy government subsidies.

Rural residents under the age of 45 shall pay the annual fee, and the cumulative payment period at the age of 60 shall not be less than 15 years.

(5) pension benefits. Insured persons who meet the conditions for receiving pension benefits will receive a monthly pension from the next month after receiving the pension formalities until their life. The calculation and payment methods of monthly pension are as follows:

Monthly pension = basic pension+personal account pension

The basic pension standard is 55 yuan per person per month. If the payment period exceeds 15 years, the government will increase the basic pension 2 yuan for each payment 1 year.

Personal account pension = total storage amount of personal account139.

According to the national, provincial and municipal unified policies and regulations, timely adjust the basic pension standard of new rural social endowment insurance.

Insured persons cannot enjoy two or more social endowment insurance benefits at the same time.

Fourth, the relevant systems are connected.

Insured persons who have participated in the old-age insurance and have reached the age of 60 and have received pensions can directly enjoy the basic pension of the new rural social old-age insurance; For the insured who have participated in the old-age insurance, have not reached the age of 60 and have not received the old-age pension, the funds in the personal account of the old-age insurance should be incorporated into the personal account of the new rural social old-age insurance, and continue to pay according to the payment standard of the new rural social old-age insurance, and enjoy the corresponding treatment when meeting the prescribed conditions.

Rural residents who have participated in rural old-age insurance and are under the age of 16 can voluntarily choose to surrender or seal up their rural old-age insurance accounts, and pay insurance premiums according to regulations after meeting the conditions for participating in the new rural social old-age insurance.

Those who have participated in other social endowment insurance, such as endowment insurance and basic endowment insurance for urban workers, will be returned to the insured in one lump sum.

The connection between the new rural social endowment insurance and other endowment insurance systems such as the basic endowment insurance for urban workers, and the matching connection between the new rural social endowment insurance system and the policies and systems such as social security for landless farmers, reservoir resettlement support policy, rural family planning reward and assistance policy, rural five-guarantee support, social special care, rural minimum living security, etc., will be implemented in combination with the actual situation of our county after the relevant departments of the state, province and city have issued relevant documents.

Verb (abbreviation of verb) fund management and supervision

Establish and improve the financial accounting system of the new rural social endowment insurance fund. The implementation of financial accounts management, two lines of revenue and expenditure, separate accounting, earmarking. No department, unit or individual may lend, misappropriate, transfer or occupy it.

County Human Resources and Social Security Bureau should earnestly perform the supervision duties of the new rural social endowment insurance fund, formulate and improve the business management rules and regulations of the new rural social endowment insurance, standardize business processes, establish and improve the internal control system and fund audit system, monitor and regularly check the collection, transfer and distribution of funds, and regularly disclose the collection information of the new rural social endowment insurance fund, so as to be open and transparent and strengthen social supervision. The financial, supervisory and auditing departments shall exercise supervision according to their respective responsibilities, and it is strictly forbidden to misappropriate funds to ensure the safety of funds.

6. Handling service.

Township employment and social security service centers should carefully record the payment and treatment of rural residents, establish insurance files, and keep them properly for a long time. County Urban and Rural Residents' Social Endowment Insurance Administration will incorporate the new rural endowment insurance information management system into the construction of "Golden Insurance Project", gradually realize centralized management of provincial and central data, and share information resources with other citizen management systems to ensure the accuracy of the insured's household registration, age, survival and other information.

Seven. job requirement

We should attach great importance to the pilot work of new rural social endowment insurance and put the pilot work on the important agenda of the government; The establishment of a new rural social endowment insurance pilot work leading group, responsible for the pilot work in our county; Implement the local new rural social endowment insurance subsidy funds and incorporate them into the local financial budget; It is necessary to adhere to the correct guidance of public opinion, formulate a propaganda work plan, and use colorful and easy-to-understand propaganda methods to strengthen the propaganda of the significance and basic principles and policies of the pilot work, so that the broad masses of farmers can understand, understand and accept it, so that this important policy of benefiting the people is deeply rooted in the hearts of the people; It is necessary to go deep into the grassroots, supervise and inspect the implementation of policies, sum up and exchange good practices in the pilot work in a timely manner, and coordinate and solve relevant problems in the pilot.

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