How much does Heilongjiang rural endowment insurance pay every year? How much is it altogether?

Documents of Heilongjiang Provincial People's Government

Heizhengfa [2009]No. 102

Heilongjiang Provincial People's Government

Thoughts on developing new rural social endowment insurance

Opinions on pilot implementation

Municipalities (prefectures) and counties (cities) people's governments (administrative offices) and units directly under the provincial government:

In order to speed up the construction of a new socialist countryside, gradually establish and improve the social security system covering urban and rural residents, and solve the problem of rural residents' old-age security, according to the requirements of "Guiding Opinions of the State Council on Launching Pilot Work" (Guo Fa [2009] No.32), the provincial government decided to select some counties (cities, districts) in the province to launch a pilot project of new rural social endowment insurance (hereinafter referred to as new rural social endowment insurance). Combined with the actual situation in our province, the following implementation opinions are put forward.

I. Basic principles

Adhere to the basic principles of "basic protection, wide coverage, flexibility and sustainability" to ensure that the level of protection is compatible with economic development; Rights correspond to obligations; The combination of government-led and voluntary insurance for rural residents; Individual contributions, collective subsidies and government subsidies are combined.

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. In 2009, the pilot area reached about 10% of the total number of counties (cities, districts) in the province, and the number of participants accounted for more than 10% of the total population of rural residents in the province. On the basis of summing up the pilot experience, the scope of the pilot will be expanded year by year to achieve full coverage at an early date.

Third, the scope of insurance.

Rural residents in the administrative areas of pilot counties (cities, districts) who have agricultural household registration, have reached the age of 16 (excluding school students) and have not participated in the basic old-age insurance for urban workers may voluntarily participate in the new rural insurance.

Fourth, the composition of the fund.

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 insurance should pay the old-age insurance premium as required. Individual annual payment standard is divided into five grades: 100 yuan, 200 yuan, 300 yuan, 400 yuan and 500 yuan. The pilot counties (cities, districts) can add payment grades according to the actual situation, and the highest standard does not exceed 1000 yuan. The insured person shall pay a one-time fee according to the annual optional grade until he is 60 years old.

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.

(2) Collective subsidies. Conditional village collectives can give subsidies to the insured, and the subsidy standard is 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. In principle, the maximum annual subsidy for each insured person shall not exceed 1000 yuan, and the cumulative subsidy for each insured person shall not exceed 40,000 yuan; Exceed the standard, by the pilot counties (cities, districts) summary, approved by the Provincial Department of human resources and social security, the provincial department of finance.

(3) government subsidies.

1. Central financial subsidies. The basic pension is tentatively set at 55 yuan per person per month, all of which shall be borne by the central finance. In the future, it will be adjusted according to the national standard and financial situation of adjusting the basic pension of the new rural insurance.

2. Local financial subsidies. When rural residents pay insurance premiums, the local finance gives the insured a fixed subsidy. The subsidy standard is: annual payment 100 yuan to subsidize 30 yuan; Annual payment 200 yuan subsidies 35 yuan; Annual payment 300 yuan subsidies 40 yuan; Annual payment 400 yuan subsidies 45 yuan; Annual payment: 500 yuan subsidizes 50 yuan. 60% of the funds needed for subsidies come from provincial financial subsidies and 40% from pilot counties (cities, districts). Choose to pay the fees above 500 yuan, the provincial finance will no longer give subsidies, and the specific subsidy measures will be determined by the pilot county (city, district) government. For groups with payment difficulties such as severely disabled people in rural areas, the governments of pilot counties (cities, districts) pay part or all of the minimum standard old-age insurance premiums for them.

Five, the establishment of personal accounts

(1) Contents of personal account. The new rural insurance agency is responsible for establishing a new rural insurance personal account for the insured, which is completely accumulated and recorded for life. The payment of endowment insurance for rural residents in pilot counties (cities, districts) is based on administrative villages. After the local agency has approved the eligibility for insurance, registered and approved the payment amount, the insured person will pay the fee to the new agricultural insurance agency.

(two) personal account funds include. Including the old-age insurance premium and interest paid by individuals; Collective subsidies and the contributions and interests of other economic organizations, social welfare organizations and individuals to the insured; Subsidies and interests paid by provincial and pilot counties (cities, districts) governments to the insured; Other income and interest.

At present, the amount stored in the personal account of the new rural insurance bears interest every year with reference to the one-year RMB resident deposit rate of financial institutions announced by the People's Bank of China.

Sixth, pension collection.

(1) Receive a monthly pension. The new rural insurance pension consists of two parts: personal account pension and basic pension. The basic pension is tentatively set at 55 yuan per person per month. The monthly pension of the insured person is a personal account monthly pension plus a basic pension. The monthly pension amount of personal account is the total personal account of the insured at the age of 60 divided by 139.

(2) the conditions for obtaining. After the implementation of the new agricultural insurance system, the elderly who have reached the age of 60 in the pilot areas, have not enjoyed the basic old-age insurance benefits for urban workers, and have agricultural household registration, can receive a monthly pension and pay for life after the approval of the new agricultural insurance agency in the pilot counties (cities, districts), but their children in the pilot areas meet the conditions for insurance, they should pay insurance premiums.

(3) collection method. The new rural insurance pension is socialized monthly by the agency.

(4) handling of special circumstances. If the insured dies, his legal heir or designated beneficiary shall go through the formalities of termination of the old-age insurance at the local agency within 1 month after the death of the insured. In case of death during the payment period, in addition to government subsidies, personal account funds shall be paid to their legal heirs or designated beneficiaries in one lump sum; In case of death during the pension period, the balance of personal account funds shall be deducted from the balance of government subsidies, and the rest shall be paid to its legal heir or designated beneficiary in one lump sum. If the insured person has settled abroad and obtained foreign nationality, the pension insurance relationship will be terminated, and the accumulated principal and interest in the personal account will be returned to the insured person, except for government subsidies. The balance of government subsidies is used to continue to pay the pensions of other insured persons.

Pensioners shall stop paying pensions during the period of being wanted, detained pending trial, serving sentences and reeducation through labor. If the case is revoked, or the case is not prosecuted or acquitted, the pension that was wanted or stopped during the detention period will be reissued and participate in the adjustment of the basic pension. During the period of being sentenced to public surveillance, suspended imprisonment, temporary execution outside prison or parole, the pension will continue to be paid, but it will not participate in the adjustment of the basic pension.

Seven. Fund management and supervision

(1) fund management. The operation of the new agricultural insurance fund should be carried out in strict accordance with the relevant provisions of the state. In the pilot stage, the new rural endowment insurance fund is managed by counties (cities, districts), and the basic pension and personal account pension are managed separately. When conditions are ripe, the overall level will gradually improve. The new rural endowment insurance fund shall be included in the special financial account of the social fund, earmarked for special purposes, managed by two lines of revenue and expenditure, accounted for separately, and maintained and increased in accordance with relevant regulations. No department, unit or individual may lend, misappropriate or occupy it. County (city, district) human resources and social security, the financial sector to * * * with the preparation of the annual fund revenue and expenditure plan, approved by the government at the same level, to ensure that pensions are paid in full and on time, and the fund revenue and expenditure plan shall be submitted to the Provincial Department of Human Resources and Social Security and the Provincial Department of Finance for the record.

(2) fund supervision. Human resources and social security departments at all levels should earnestly perform their supervisory duties, 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, and monitor and regularly check the whole process of fund raising, transfer, distribution and investment operation. Finance, supervision and auditing departments shall supervise according to their respective responsibilities, and misappropriation is strictly prohibited to ensure the safety of the new agricultural insurance fund. The new agricultural insurance agencies 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 supervision by the masses.

Eight, handling management services

(A) to strengthen the capacity building of the new agricultural insurance agencies. Pilot areas should, in accordance with the principle of streamlining efficiency, integrate existing social service resources such as rural social endowment insurance (hereinafter referred to as endowment insurance) agencies with individual contributions as the mainstay and complete personal accounts, and use modern management methods and government procurement services to reduce administrative costs and improve work efficiency. Designate or entrust the corresponding institutions to handle the new agricultural insurance business, and be responsible for the payment of new agricultural insurance, pension payment and personal account management. 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.

(two) to improve the management and service level of the new agricultural insurance agency. Formulate new agricultural insurance business management rules and regulations, establish a unified new agricultural insurance information system in the province, and incorporate it into the construction of social security information management system ("Golden Insurance Project"). Guided by the supervision and management of provinces and cities, with the business operation of counties (cities, districts) as the core and the platform of townships (towns) as the foundation, provinces, cities, counties and towns are interconnected. Ensure the connection between the new rural old-age insurance and the urban old-age insurance, and use the resources of the social financial system to realize the convenience of premium collection and socialized distribution through the new rural old-age insurance information system. Establish the personal files, inquiry system and treatment qualification examination system of the insured, and vigorously promote the social security card to facilitate the insured to pay by card, receive pensions and inquire about their insurance information. Agencies should coordinate public security, civil affairs and other departments, and conduct a survival certification for the insured person every year to ensure that the collection and distribution of new rural insurance funds are scientific and accurate.

Nine. Links to related systems

(1) insurance relationship transfer. When the insured person of the new rural insurance is transferred across regions, he can transfer his insurance relationship and personal account funds to the new insured place. Enjoy the corresponding treatment according to the relevant standards of the newly insured place. If the pilot project of new rural insurance has not been carried out in the transfer place, the insurance relationship can be temporarily stored in the insured place, and then transferred when conditions are met.

(2) Linking up with the old rural insurance system. When the new rural insurance pilot is started, the insured who has participated in the old rural insurance and has reached the age of 60 and started to receive the pension will continue to receive the original personal account pension and enjoy the basic pension of the new rural insurance. Insured persons who have participated in the old rural insurance and are under 60 years old should continue to pay according to the new rural insurance payment standard and begin to enjoy government subsidies. The funds in the old rural insurance personal account are transferred to the new rural insurance personal account, and when they reach the age of 60, they will enjoy the corresponding treatment.

On the basis of properly handling the creditor's rights of the old agricultural insurance fund, the pilot counties (cities, districts) explored to bring all the old agricultural insurance funds into the management of the new agricultural insurance fund, and finally canceled the financial special account of the old agricultural insurance fund to realize the smooth transition from the old agricultural insurance system to the new agricultural insurance system.

(3) Linking with other insurance systems. The connection between the new rural insurance and other old-age insurance systems, such as the basic old-age insurance for urban workers, and the matching connection with policies such as social security for rural residents whose land has been expropriated, late-stage support policies for reservoir resettlement, rural family planning reward and assistance policies, rural five-guarantee support, social preferential treatment and rural minimum living security system, shall be implemented in accordance with relevant state regulations.

Those who have participated in the rural family planning old-age insurance will enjoy the corresponding treatment when they participate in the new rural insurance, which will not affect their continued enjoyment of the original insurance benefits.

X. Safeguards

(1) Strengthen organizational leadership. The provincial government set up a new rural endowment insurance pilot work leading group, headed by the provincial government in charge of the leadership. Member units include the Organization Department of the Provincial Party Committee, Propaganda Department, Provincial Editorial Office, Development and Reform Commission, Public Security Department, Civil Affairs Department, Human Resources and Social Security Department, Finance Department, Land and Resources Department, Agriculture Committee, Population and Family Planning Commission and Disabled Persons' Federation. The office of the leading group is located in the Provincial Department of Human Resources and Social Security. The cities (prefectures) and counties (cities, districts) that carry out pilot work should also set up pilot work leading groups accordingly, and do a good job in coordination and communication between relevant departments to form a joint effort.

(2) formulate policies. To carry out the pilot work of the city (the ground) to formulate implementation measures on the basis of full investigation and demonstration, and report to the provincial new rural insurance pilot work leading group for the record; Pilot counties (cities, districts) should formulate specific implementation rules and report them to the provincial government for approval before implementation.

(3) do a good job in publicity. It is necessary to adhere to the correct guidance of public opinion, use a variety of publicity methods, and strengthen the publicity of the significance, basic principles, principles and policies, especially specific policies and standards of the pilot work of the new rural insurance, so as to make this project of benefiting the people deeply rooted in the hearts of the people and guide school-age farmers to actively participate in the insurance.

All localities should pay attention to the study of new situations and problems in the pilot process, actively explore and summarize the methods and experiences to solve new problems, properly handle the relationship between reform, development and stability, and ensure the successful completion of the pilot task.

Heilongjiang Provincial People's Government

December 12, 2009