What kind of endowment insurance does the personal account pilot refer to?

First, this year is a pilot, not a full-scale roll-out. Are you in these pilot counties of new rural endowment insurance in Sichuan Province?

Counties (cities, districts) included in the first batch of pilot projects include Jintang County of Chengdu, Fushun County of Zigong City, Miyi County of Panzhihua City, Lu Xian County of Luzhou City, Jingyang District of Deyang City, jiangyou city of Mianyang City, Cangxi County of Guangyuan City, Anju District of Suining City, Zizhong County of Neijiang City, Shizhong District of Leshan City, nanbu county of Nanchong City, Gong County of Yibin City, Guang 'an District of Guang 'an City and Xuanhan County of Dazhou City.

Two, the pilot implementation method is as follows, you compare, do they violate the rules?

Trial Measures for New Rural Social Endowment Insurance in Sichuan Province

According to the State Council's Guiding Opinions on Launching the Pilot Project of New Rural Social Endowment Insurance (Guo Fa [2009] No.32, hereinafter referred to as Guiding Opinions), combined with the actual situation in our province, these implementation measures are 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), we should take Scientific Outlook on Development as the guide, aim at improving the basic living standards of the rural elderly, take standardized management and optimized services as the basic requirements, aim at basically covering the rural school-age population, follow the basic principles of "ensuring basic, wide coverage, flexibility and sustainability", adhere to the combination of government guidance and farmers' willingness, and adhere to the reasonable sharing of responsibilities among individuals (families), collectives and the government. Starting from the reality of rural areas, starting from a low level, we will gradually establish a new rural social endowment insurance system whose financing and treatment standards are suitable for the level of rural economic development and all aspects, and are matched with other safeguard measures.

Second, the insurance coverage

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 insurance at their domicile.

Third, raise funds.

The 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 one year 100 yuan, which is divided into five grades: 200 yuan, 300 yuan, 400 yuan and 500 yuan, and various localities can add payment grades according to actual conditions; Insured people choose their own grades to pay, and pay more. Provincial governments adjust the payment grades in a timely manner according to the requirements of national unity.

(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 basic pension in full to the eligible insured. The basic pension standard stipulated by the state is fully subsidized by the central government.

Local governments at all levels give basic subsidies to the insured, and the subsidy standard is not lower than 30 yuan per person per year. Among them, the total provincial financial subsidies are arranged according to 50% of local subsidies, and the province gives subsidies according to the financial level of each pilot area. The rest is shared by the city and county levels, and the specific sharing ratio is determined by the municipal (state) people's government.

If you choose to pay in 300 yuan, the local government will increase the subsidy to 5 yuan every year; If you choose to pay by 400 yuan, the local government will increase the subsidy 10 yuan every year; If 500 yuan is chosen as the unit for payment, the local government will increase the subsidy 15 yuan every year, and the fund sharing ratio is the same as the basic payment subsidy.

For severely disabled people in rural areas, the municipal (state) and county (city, district) governments will pay part or all of the minimum old-age insurance premium 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.

The social insurance agency shall establish a lifelong personal pension account for each insured person. Individual contributions, collective subsidies and other social and economic organizations, social welfare organizations, individual contributions of insured persons and contributions of local governments to insured persons are all credited to individual accounts. At present, the amount of deposits in personal accounts is calculated with reference to the one-year RMB deposit interest rate of financial institutions published annually by the People's Bank of China.

Verb (abbreviation for verb) pension benefits

According to the national regulations, the pension benefits in our province are composed of basic pension and personal account pension, and lifelong payment is implemented.

The basic pension standard is 55 yuan per person per month. The municipal (state) governments may raise the basic pension standard according to the actual situation, and may appropriately raise the basic pension for rural residents who have been insured 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 payment standard of personal account pension is the total amount of personal account divided by 139. After receiving the funds from the personal account, the local government will continue to pay the insured person's lifelong personal account pension. 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.

Sixth, the conditions for receiving treatment.

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 before collection is less than 15, the annual payment is allowed, and the accumulated payment shall not exceed 15. If the age is above 15, the fee shall be paid annually, and the accumulated fee shall not be less than 15.

Seven. Treatment adjustment

According to the unified regulations of the state, combined with economic development and price changes, the provincial government timely adjusted the minimum standard of basic pension for new rural insurance in our province.

Eight. fund management

Establish and improve the financial accounting system of the new agricultural insurance fund. The new agricultural insurance fund is included in the financial special account of social security fund, managed by two lines of revenue and expenditure, accounted for separately, and maintained and increased in accordance with relevant regulations. At present, the new rural endowment insurance fund is temporarily managed at the county level in the pilot stage. With the expansion and opening of the pilot, the overall level has gradually improved.

Nine. Fund supervision

Labor and social security departments at all levels should earnestly perform the supervision duties of the new agricultural insurance fund, formulate and improve the management rules and regulations of the new agricultural insurance business, standardize business processes, establish and improve the internal control system and fund audit system, conduct real-time monitoring and regular inspection on fund raising, settlement, budget allocation and distribution, and regularly disclose the information on fund raising and payment of the new agricultural 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 agricultural insurance agencies and villagers' committees in the pilot areas publicize the payment qualifications and treatment of the insured in the village within the administrative village every year, and accept the supervision of the masses.

X. Processing management services

Under the overall planning and technical framework of social security information system (golden insurance project), the whole province should establish a unified and standardized new rural insurance information management system. Counties (cities, districts) that carry out the pilot project of new rural endowment 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 social security cards to facilitate the insured to pay by credit card, receive benefits and inquire about insurance information. On the basis of the existing social security agencies and township employment social security service agencies, the pilot areas should straighten out the new agricultural insurance management system, clarify management responsibilities, use modern management methods and government purchase services, enrich the handling power 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。 Links to related systems

The rural social endowment insurance (hereinafter referred to as the old-age insurance), which is mainly based on individual contributions and fully accumulated in individual accounts, should be well connected with the new rural social endowment insurance system and handling work on the basis of properly handling the creditor's rights and debts of the old-age insurance fund. 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 old-age pension, their personal account funds should be incorporated into the new rural insurance personal account, and corresponding data files should be established, and they can continue to pay according to the new rural insurance payment standard, and they can enjoy corresponding treatment when they meet the prescribed conditions.

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

The areas that have carried out the preliminary exploration of the new rural endowment insurance should be adjusted according to the guiding opinions of the State Council and these measures, especially the system mode, financing mode, handling management and overall planning methods should be consistent with the relevant policies of the guiding opinions of the State Council.

Twelve, seriously organize the pilot.

The provincial government shall, on the basis of the list of national pilot counties (cities, districts) recommended by the municipal (state) governments, review the pilot conditions and report them to the State Council for approval. Municipalities (prefectures) governments should earnestly strengthen the organization and leadership of the pilot work, increase the guidance of 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 these Measures, and the county (city, district) government will report to the municipal (state) government for approval.

Thirteen. Strengthen organizational leadership

The provincial government's new agricultural insurance pilot work leading group is responsible for the 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, incorporate it into 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 of the pilot work and the basic principles and policies, 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.

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