I am a farmer in Nanchong, Sichuan. My village is going to buy a new rural endowment insurance. My parents bought it for 500 yuan a year. I don't want to buy it now, but the village.

I don't know where you are from, but the policies of new rural social endowment insurance are all formulated according to the State Council's Guiding Opinions on Launching the Pilot Project of New Rural Social Endowment Insurance (Guo Fa [2009] No.32). Only when the new rural social endowment insurance system is implemented in your local area, if your parents are over 60 years old and don't pay the basic pension, it will be mandatory, and their children will be forced to pay the new rural endowment insurance. Other than that, it's voluntary. Therefore, if your parents are under 60 years old, you need to pay the new rural insurance, and your children can pay it voluntarily. I feel that you are distorting the State Council's policy there. You can ask the village to issue relevant red-headed documents.

Reference:

Guiding Opinions of the State Council on the Pilot Project of New Rural Social Endowment Insurance (Guo Fa [2009] No.32)

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 conditions for participation should pay insurance premiums; 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.

Opinions on the pilot implementation of new rural social endowment insurance in Shunqing District of Nanchong City

According to the spirit of "Guiding Opinions of the State Council on Launching the Pilot Project of New Rural Social Endowment Insurance" (Guo Fa [2009] No.32) and "Notice of Sichuan Provincial People's Government on Printing and Distributing the Implementation Measures for the Pilot Project of New Rural Social Endowment Insurance in Sichuan Province" (Chuan Fu Fa [2009] No.35) and other documents, combined with the actual situation in our district, this implementation opinion is formulated.

I. Guiding ideology and basic principles

The pilot work of the new rural social endowment insurance (hereinafter referred to as the "new rural endowment insurance") adheres to the basic principles of "ensuring basic, wide coverage, flexibility and sustainability", combining government guidance with farmers' voluntary participation, and reasonable sharing among individuals (families), collectives and governments, with the goal of improving the basic living standards of rural elderly residents, standardizing management and optimizing services as the basic requirements. Starting from the reality of rural areas, we should start at a low level and gradually establish a new rural social endowment insurance system with financing and treatment standards that are compatible with the level of rural economic development and other security 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, 200 yuan, 300 yuan, 400 yuan, 500 yuan, 600 yuan, 700 yuan, 800 yuan, 900 yuan, 1000 yuan, 1500 yuan, 2000 yuan. Insured people choose their own grades to pay, and pay more. According to the requirements of national unity, the district government adjusts the payment grade in a timely manner.

(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.

(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. The local government gives basic subsidies to the insured.

If 100 yuan is chosen to be paid in 200 yuan, the local government will subsidize 30 yuan every year; Choose 300 yuan payment grade, the local government subsidies 35 yuan every year; Choose 400 yuan payment grade, the local government subsidies 40 yuan every year. By analogy, every time the payment standard is raised, the government subsidy will increase in 5 yuan, but the highest government subsidy is in 70 yuan.

When the new rural old-age insurance system is implemented, those who are under 15 years of age can pay the old-age insurance premium according to their years of age. If it is repaid within two years from the date of implementation of the new agricultural insurance system, it will be given corresponding government subsidies; If it is overdue for more than two years, the government will not subsidize it. Those who are over 15 years old from the collection age can pay the old-age insurance premium for the interrupted years, but they do not enjoy government subsidies.

The local government pays 100 yuan per person per year for severely disabled people in rural areas and enjoys corresponding government subsidies; Get the title of model worker of the government at or above the provincial level, and the district government will give an honorary subsidy of 100 yuan per person per year; Village cadres with rural household registration are paid by individuals according to the payment standards of 500 yuan and above, and the district government gives payment subsidies according to the standards of 500 yuan every year, and enjoys corresponding government subsidies. From 2011165438 before the implementation of the system, the annual payment personnel (excluding those who receive insurance immediately) enjoy the corresponding government subsidies according to their payment grades.

Fourth, establish a personal account.

Taking the insured's citizen ID number as its social security number, the district agricultural insurance bureau will establish a personal account for lifelong endowment insurance for each insured according to the social security number. The new rural insurance personal account is used to record individual contributions, collective subsidies, local government subsidies, other subsidies and interest. Personal account storage can only be used to pay personal account pension, and may not be surrendered, withdrawn in advance or used for other purposes other than going abroad to settle down or die. Personal accounts are managed according to the following provisions:

(a) if the insured person goes abroad to settle down or dies, the balance of personal account funds (excluding government subsidies) will be returned to the insured person (or designated beneficiary or legal heir) at one time, and the new rural insurance relationship will be terminated.

(II) Before the introduction of the new rural insurance and other old-age insurance systems, if the insured person changed from rural household registration to urban household registration due to identity change, and did not participate in other old-age insurance such as the basic old-age insurance for urban workers, his personal account was sealed in the District Agricultural Insurance Bureau or the personal account amount (excluding government subsidies) was returned in a lump sum on a voluntary basis, and his new rural insurance relationship was terminated.

(3) If the insured person is transferred across the overall planning area during the payment period, and the new rural insurance has been implemented in the transfer place, the new rural insurance relationship and the personal account storage amount (including government subsidies) will all be transferred to the new insured place at one time, and the new insured place will handle the insurance payment procedures for it. During the pilot work of the new rural old-age insurance, if the insured person is transferred across the overall planning areas, but the new rural old-age insurance is not implemented, his personal account will be sealed in the district rural old-age insurance bureau.

(4) After the personal contributions payable by the insured in the current period are paid in full, the District Agricultural Insurance Bureau will record the government subsidies corresponding to the personal contributions and payment grades into the personal account at the same time, and interest will start to accrue from the month when the personal contributions are paid.

(5) The deposit interest rate of individual accounts shall be determined by the Provincial Department of Human Resources and Social Security and the Provincial Department of Finance with reference to the one-year deposit interest rate of RMB in financial institutions announced by the People's Bank of China.

Verb (abbreviation for verb) pension benefits

According to national regulations, pension benefits consist of basic pension and personal account pension, which are paid for life.

The basic pension standard is 55 yuan per person per month.

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.

The insured can only enjoy one kind of old-age insurance benefits. For those who repeatedly enjoy other old-age insurance benefits such as the new rural insurance and the basic old-age insurance for urban workers, the insured can only choose a higher standard, and other multi-collar old-age benefits should be recovered.

Conditions for intransitive verbs to receive pensions

Rural residents who have reached the age of 60 and have not enjoyed the basic old-age insurance benefits for urban workers, who meet the following conditions, apply for a pension, and enjoy the old-age benefits of the new rural insurance from the next month after passing the examination.

(1) When the new rural endowment insurance system is implemented, rural residents who have reached the age of 60 and have not enjoyed the basic old-age insurance for urban workers and other old-age insurance benefits do not need to pay fees, but their eligible children need to continue to pay insurance premiums. After being examined and qualified, they can receive basic pensions on a monthly basis from the next month.

(2) If the retirement age is less than 15 years, it shall be paid on an annual basis, and the endowment insurance premium with less years may be paid, and the cumulative payment period shall not exceed 15 years.

(3) If the collection age exceeds 15 years, it shall be paid annually, and the cumulative payment period shall not be less than 15 years.

When the new agricultural insurance system is implemented, the insured who is under 15 years old and has not paid the annual fee and the pension insurance premium for the interrupted years will not enjoy the new agricultural insurance benefits; Insured persons who have reached the age of 15 from the time of collection, and the sum of the annual payment period and the required payment period does not reach 15 years, do not enjoy the new rural insurance benefits.

After the implementation of the new agricultural insurance system, if I am over 60 years old but do not meet the conditions for receiving the pension benefits of the new agricultural insurance, the amount stored in my personal account (excluding government subsidies) will be paid to him in one lump sum, and the new agricultural insurance relationship will be terminated.

Pensioners who have been sentenced or re-educated through labor during the pension period will stop enjoying the pension insurance benefits. After the expiration of the sentence, the pension insurance benefits will continue to be issued, and the benefits during the suspension period will not be reissued.

Seven. Adjustment of pension

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

Eight. Fund management and supervision

(1) Ensure smooth, safe and complete capital flow. Establish and improve the financial accounting system of the new agricultural insurance fund. The new agricultural insurance fund realizes county-level overall planning and sets up a separate bank account, which is accounted for separately, incorporated into the financial special account of the social security fund, and is managed by two lines of revenue and expenditure, and earmarked for special purposes. The fund balance is maintained and increased in accordance with relevant regulations. The new rural endowment insurance premium is collected by financial institutions through fund income households. Income households are used to collect the new agricultural insurance fund, temporarily store the interest income and other income of the account, and no other payment business may occur except for transferring the fund to the finance department. The new rural insurance benefits are socialized through fund expenditure households. Spending households are used to pay and transfer out the new agricultural insurance fund, and no other income business may occur except receiving the funds transferred from the financial special account and the interest income from the account.

(2) Strengthen the management of special bills for social insurance premiums. Establish and improve the system of receiving and selling special bills for rural social endowment insurance fees, and settle accounts on a monthly basis to ensure that accounts, certificates, tickets and materials are consistent.

(three) to strengthen the qualification verification, to prevent the pension. Those who have enjoyed pension benefits must undergo qualification examination every year. Failing to go through the qualification verification procedures within the time limit, the pensioner's pension will be stopped until I go through the qualification verification procedures. If the beneficiary dies, his family members or children should take the initiative to report to the township agricultural insurance agency and stop issuing pensions from the month after his death. The balance of personal account funds except government subsidies can be inherited by the beneficiary or legal heir designated by him according to law. Those who apply for old-age insurance benefits because the person who enjoys the old-age insurance benefits dies or should not enjoy the old-age insurance benefits for other reasons must recover the old-age insurance benefits that have been applied for by others. Qualification certification is issued by the District Agricultural Insurance Bureau, with the cooperation of township social service centers and village agricultural insurance co-organizers, and it is carried out in various ways, such as on-site certification, household registration certification, audit certification and mass supervision.

Nine. Links to related systems

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, and 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, social special care and the rural minimum living security system, will be implemented in combination with the actual situation in our region after the relevant departments, provinces and cities in the State Council have issued relevant documents.

Towns and villages that have carried out the preliminary exploration of new rural endowment insurance should be adjusted according to the guidance 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 State Council's guidance.

Ten, the implementation of this opinion, such as national and provincial new regulations, according to the new regulations.

XI。 This implementation opinion is interpreted by the District Human Resources and Social Security Bureau.

Twelve. This implementation opinion shall come into force on July 65438, 20 1 year. Where the relevant provisions are inconsistent with the implementation opinions, the implementation opinions shall prevail.