Which national department is responsible for endowment insurance?

Rural old-age insurance policy: Rural old-age insurance is a non-profit social insurance project organized and implemented by governments at all levels according to the relevant national policies and regulations. It refers to an old-age living security system in which rural registered residents (including ordinary farmers, farmers who work in cities and do business, employees of township enterprises, and people who turn from rural to non-rural areas) pay a certain amount of labor income, pay insurance premiums, and then receive pensions when they reach the specified age, so as to ensure their basic needs. At present, China's rural elderly population accounts for more than 12% of the total population, and has entered an aging society. As the family size is gradually shrinking, a couple will have to support four old people and one or two children in the future. Family alone can no longer solve the problem of providing for the aged, so it is necessary to reserve accumulated funds in advance to establish a social endowment insurance system. This is of great significance for implementing the basic national policy of family planning, promoting rural economic and social development, and narrowing the gap between workers and peasants and the gap between urban and rural areas. First, the object and age of rural old-age insurance are rural registered residents (including ordinary farmers, farmers who work in cities and do business, employees of township enterprises, and people who change their jobs in small towns), and the age of insurance is 18 to 6 years old. Second, the rural old-age insurance payment standard and fixed number of years stipulate that the rural old-age insurance payment standard is flexible, and there is no fixed requirement at present. You can choose the payment grade according to the situation. It can be paid in a lump sum or in annual installments. Iii. Value-added contributions of rural old-age insurance The interest of rural old-age insurance premiums shall be recorded at the regular one-year deposit rate of banks in the same period, which will be automatically adjusted with the one-year deposit rate of RMB announced by the People's Bank of China. Iv. Participation in the rural old-age insurance program Rural social old-age insurance is under the charge of the Labor and Social Security Bureau, and the rural old-age insurance center undertakes specific business. Rural hukou residents can participate in insurance at the local county-level rural old-age insurance center. Five, pension recipients from the age of 6 years old next month, to the county rural old-age insurance institutions to receive the "certificate", pension payment procedures, but also to the designated bank of agricultural insurance institutions to receive a passbook, the standard of collection is determined according to the insured's payment grade, payment period and the value-added interest rate stipulated by the state. The insured receives a pension during his lifetime until his death. If the applicant dies before the age of 6, all the principal and interest paid by the individual shall be returned to his legal heir or designated beneficiary in one lump sum. The applicant is guaranteed to receive a ten-year pension during the receiving period. When he dies during the receiving period, his successor or designated beneficiary can receive the remaining pension in one lump sum according to the standard. Six, pension transfer policyholders move out of the local insurance relationship (including funds) can be transferred to the rural insurance agency where they move in. If it cannot be transferred, it can keep its insurance relationship or withdraw from this insurance. Seven, rural social endowment insurance institutions Rural social endowment insurance is in charge of the Labor and Social Security Bureau, rural endowment insurance center to undertake specific business, and accept the supervision and guidance of the higher authorities, and accept the audit of the audit department. According to the State Council's Guiding Opinions on Launching the Pilot Project of New Rural Social Endowment Insurance (Guo Fa [29] No.32, hereinafter referred to as Guiding Opinions), combined with the actual situation in Sichuan Province, the Implementation Law of the Pilot Project of New Rural Social Endowment Insurance in Sichuan Province is formulated. I guiding ideology and basic principles to carry out the pilot work of the new rural social endowment insurance (hereinafter referred to as the new rural endowment insurance) should be guided by Scientific Outlook on Development, aimed at improving the basic living standard of rural residents for the elderly, aimed at standardizing management and optimizing services, aimed at basically covering the rural school-age population, and adhered to the basic principle of "ensuring basic coverage, wide coverage, flexibility and sustainability", and combining government guidance with farmers' voluntary participation in insurance. Adhere to the individual (family), the collective and the government to share the responsibility reasonably, proceed from the rural reality, start at a low level, and gradually establish a new rural social endowment insurance system with financing and treatment standards that are suitable for the rural economic development level and all aspects, and matched with other security measures. Two, the scope of insurance at least 16 years of age (excluding students), rural residents who did not participate in the basic old-age insurance for urban workers, can voluntarily participate in the household registration. Three, fund raising funds by individual contributions, collective subsidies, government subsidies. (1) individual payment. Rural residents who participate in the new rural endowment insurance shall pay endowment insurance premiums according to regulations. At present, the payment standard is set to five grades in 1 yuan, 2 yuan, 3 yuan, 4 yuan and 5 yuan, and all localities can add payment grades according to the actual situation; Insured people choose their own grades to pay, and if they pay more, they will get more. The provincial government timely adjusts the payment grade according to the requirements of national unity. (2) Collective subsidies. Conditional village collectives shall give subsidies to the insured, and the subsidy standards shall be determined by the villagers' committee to convene 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 basic pension in full to eligible insured persons. The basic pension standard stipulated by the state is fully subsidized by the central government. Local governments at all levels shall give basic subsidies to the insured for payment, and the subsidy standard shall not be lower than 3 yuan per person per year. Among them, the total amount of provincial financial subsidies is arranged according to 5% of local subsidies, and the province gives subsidies to each pilot area according to its financial level. The rest is shared by the municipal and county levels, and the specific sharing ratio is determined by the municipal (state) people's government. For those who choose to pay in 3 yuan, the local government will increase the subsidy to 5 yuan each year; for those who choose to pay in 4 yuan, the local government will increase the subsidy to 1 yuan each year; for those who choose to pay in 5 yuan, the local government will increase the subsidy to 15 yuan each year, and the share ratio of funds is the same as that of basic payment subsidies. For severely disabled people in rural areas, the municipal (state) and county (city, district) governments should pay the minimum standard of old-age insurance premiums in part or in whole on their behalf. The specific standards and sharing ratio shall be determined by the municipal (state) government and borne by itself. Fourth, establish a personal account. Social insurance agencies establish a personal account for old-age insurance for each insured person. Individual contributions, collective subsidies and other social and economic organizations, social welfare organizations, individual contributions to the insured, and local government contributions to the insured are all credited to personal accounts. At present, the deposit amount in personal account is calculated with reference to the one-year deposit rate of RMB in financial institutions announced by the People's Bank of China every year. V. Pension treatment According to the state regulations, the pension treatment in our province consists of basic pension and personal account pension, which is paid for life. The basic pension standard is 55 yuan per person per month. Municipalities (states) governments can raise the basic pension standard according to the actual situation, and can appropriately increase the basic pension for the insured rural residents who pay for a long time. The specific standards for raising and increasing funds and the sharing ratio shall be determined by the municipal (state) government and borne by itself. The monthly calculation and payment standard of personal account pension is the total storage amount of personal account divided by 139. The local government will continue to pay the personal account pension for the life of the insured after receiving the funds from the personal account. When the insured dies, the balance of funds in the personal account 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. Vi. Conditions for receiving benefits The elderly with household registration in rural areas who have reached the age of 6 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 6 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 should pay the insurance premium; If it is less than 15 years from the age of collection, it should be paid annually, and it is allowed to pay back, and the accumulated payment should not exceed 15 years. From the age of more than 15 years, should be paid annually, the cumulative payment of not less than 15 years. VII. Adjustment of Treatment According to the unified provisions of the state, the provincial government timely adjusted the minimum standard of the new rural insurance basic pension in our province in combination with economic development and price changes. Eight, fund management to establish and improve the financial accounting system of the new agricultural insurance fund. The new agricultural insurance fund shall be incorporated into the financial special account of the social security fund, with two lines of revenue and expenditure management, separate bookkeeping and accounting, so as to maintain and increase the value in accordance with relevant regulations. At present, the new agricultural insurance fund is temporarily managed at the county level in the pilot stage, and with the expansion and opening of the pilot, the overall level is gradually improved. IX. Fund Supervision Labor and social security departments at all levels should earnestly perform the supervisory duties of the new rural endowment insurance fund, formulate and improve the business management rules and regulations of the new rural endowment insurance, standardize business procedures, establish and improve the internal control system and fund audit system, conduct real-time monitoring and regular inspection on fund raising, budget, allocation and distribution, and regularly disclose information on fund raising and payment of the new rural 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. The new rural insurance institutions and villagers' committees in the pilot areas publicize the eligibility of the insured in the village for payment and treatment within the administrative village every year, and accept the supervision of the masses. Ten, the management service of the province should be in the overall planning and technical framework of the social security information system (golden insurance project), to establish a unified and standardized new agricultural insurance information management system. Counties (cities, districts) that carry out the pilot project of new agricultural insurance should carefully record the payment and treatment of rural residents, establish insurance files, and keep them properly for a long time according to regulations. It is necessary to vigorously promote the social security card to facilitate the insured to pay by card, receive benefits and inquire about their insurance information. On the basis of the existing social security agencies and township employment and social security service agencies, the pilot areas should straighten out the management system of the new rural insurance, clarify management responsibilities, and use modern management methods and government purchase services to enrich economic strength and improve work efficiency. The new agricultural insurance funds shall be included in the fiscal budget at the same level, and shall not be spent from the new agricultural insurance fund. Xi. Relevant systems should be connected with the rural social endowment insurance (hereinafter referred to as the old rural social endowment insurance) which has been developed mainly by individual contributions and accumulated in individual accounts. On the basis of properly handling the creditor's rights and debts of the old rural social endowment insurance fund, it is necessary to do a good job in connecting with the new rural social endowment insurance system and economic work. In the pilot area of the new rural insurance, all insured persons who have participated in the old rural insurance, reached the age of 6 and have 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 6 and have not received the pension, their personal account funds should be incorporated into the personal account of the new rural insurance, and corresponding data files should be established, and they can continue to pay according to the payment standard of the new rural insurance, and they can enjoy corresponding treatment when they meet the prescribed conditions. The connection method between the new rural endowment insurance and other old-age insurance systems such as the basic old-age insurance for urban workers, and the supporting connection between the new rural endowment insurance system and the social security for landless farmers, the support policy for the later period of reservoir resettlement, the reward and assistance policy for rural family planning, the rural five-guarantee system, the social special care system and the rural minimum living security system will be implemented in combination with the actual situation in our province after the relevant state departments issue relevant documents. The areas where the initial exploration of the new rural endowment insurance has been carried out before should be adjusted according to the Guiding Opinions of the State Council and this law, especially the system mode, financing mode, management and calculation method should be consistent with the relevant policies in the Guiding Opinions of the State Council. Twelve, carefully organize the pilot provincial government on the basis of the list of national pilot counties (cities, districts) recommended by the municipal (state) government, and report the pilot conditions to the State Council for examination and approval. The municipal (state) governments should earnestly strengthen the organization and leadership of the pilot work, increase the guidance to the pilot counties (cities, districts), and formulate specific implementation plans for the pilot as soon as possible in strict accordance with the requirements of the State Council's Guiding Opinions and this Law. The county (city, district) government will report to the municipal (state) government for examination and approval. Thirteen, strengthen the organization and leadership of the provincial government's new agricultural insurance pilot work leading group responsible for policy coordination and organizational leadership of the province's pilot work. Municipalities (states) and pilot counties (cities, districts) should also set up leading institutions for the pilot work accordingly, and make specific arrangements for the pilot work as soon as possible to ensure the smooth progress of the pilot work. All localities should fully understand the great significance of carrying out the pilot work of the new rural insurance, include it in the local economic and social development plan and the annual target management assessment system, and earnestly strengthen organizational leadership. Labor 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. All localities should adhere to the correct direction of public opinion, use popular and easy-to-understand propaganda methods, and strengthen the propaganda of the significance, basic principles and policies of the pilot work, so that this policy of benefiting the people will be deeply rooted in the hearts of the people and guide school-age farmers to actively participate in the insurance.

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