Basic knowledge of new rural insurance in Hami area

First, the scope and procedures of insurance.

1. Who can participate in the new rural insurance?

Answer: All agricultural household registration personnel (excluding students) who are over 0/6 years old in the county and have not participated in the basic old-age insurance for urban enterprise employees can participate in the new rural insurance.

2. How to register for insurance?

Answer: Farmers who are insured for the first time only need to bring the original household registration book and ID card to the village (neighborhood) committee where the household registration is located to fill in the registration form of the new rural social endowment insurance and determine the annual payment standard.

Second, the payment of insurance premiums

3. How do the insured farmers pay?

Answer: The insured farmers pay the endowment insurance premium in the form of pre-existing withholding. After the registration of farmers' insurance, they can get the "new rural social endowment insurance bank passbook" from the nearest county rural cooperative bank branch with their personal ID cards. Passbooks are used to pay endowment insurance premiums. The insured person will deposit the old-age insurance premium that should be paid in the current year into the passbook, and the bank will transfer the old-age insurance premium from the passbook to the special account of the new agricultural insurance fund.

4. What is the payment standard of the new rural insurance?

A: The new rural insurance implements voluntary contributions by the insured. Payment standards are tentatively set at 100 yuan, 200 yuan, 300 yuan, 400 yuan, 500 yuan, 600 yuan, 700 yuan, 800 yuan, 900 yuan, 100 yuan and 10 grades. The insured chooses a grade as the payment standard in a payment year, and the overpayment is more. In the future, with the economic and social development and farmers' income growth, the payment standards and grades will be adjusted and improved in a timely manner.

5. Does the government subsidize the insured payer?

A: Yes. The government gives payment subsidies to the normal insured payers, and the subsidy standard is 30 yuan per person per year (including provincial finance bears 20 yuan and county finance bears 10 yuan). Choose a higher payment grade, each additional payment grade, the subsidy standard will be increased by 5 yuan, and the increase will not exceed 20 yuan. (Specific subsidy standard: choose the payment standard 100 yuan, and the government will give 30 yuan the payment subsidy; Choose 200 yuan and pay subsidies to 35 yuan; Choose 300 yuan and pay subsidies to 40 yuan; Choose 400 yuan and pay subsidies to 45 yuan; Choose 500 yuan, 600 yuan, 700 yuan, 800 yuan, 900 yuan, 1000 yuan, and the payment subsidy standard is 50 yuan). Government payment subsidies are partially included in personal accounts.

6. What subsidies does the government have for the payment of special people?

A: The county finance pays the old-age insurance premium for rural severely disabled people and other groups with payment difficulties according to the minimum payment standard 100 yuan, and enjoys government payment subsidies. Parents of rural family planning families will enjoy the payment subsidies of the selected grades, and the county finance will also increase the subsidies of 20 yuan government.

7. How to pay the fee when the new rural insurance system is implemented?

Answer: Those who are under the age of 15 will be paid annually, and supplementary payment is allowed. The accumulated payment shall not exceed 15.

8. Payment will continue after the payment period reaches 15 years. Is the longer the payment period, the more cost-effective?

A: Yes, if you continue to pay after the payment period reaches 15, you can not only continue to enjoy the government's payment subsidy, but also enjoy the part of the county finance that increases the basic pension. The basic pension will increase by 65,438+0% for each full year of payment, with a maximum of 65,438+00%.

Three, the termination of the pension insurance relationship

9, the insured farmers died during the payment period, how to deal with the old-age insurance premiums paid by individuals?

A: After the implementation of the new rural insurance system, if the insured person dies under the age of 60, his legal heir or designated beneficiary will receive the balance of personal account funds except government subsidies at one time, and at the same time terminate the pension insurance relationship.

10, how to deal with the endowment insurance premium paid by individuals when the insured farmers move in different places?

Answer: When the insured farmers move from other places, they can transfer their insurance relationship (including the amount of personal account storage) to the rural social endowment insurance agency where they move in; The insured person of the new agricultural insurance, who flows across provinces (cities) and counties, fails to apply for the new agricultural insurance in the place where he moves in, and his personal account is temporarily sealed, and when he moves in to apply for the new agricultural insurance, he will go through the transfer formalities again.

1 1. What is the treatment of the insured farmers who died during the pension period?

Answer: If an insured farmer dies while receiving a pension, and there is a balance in his personal account, the balance of his personal account other than government subsidies can be inherited by his legal heir or designated beneficiary.

Fourth, institutional convergence.

12, how to calculate the payment period of rural social endowment insurance (referred to as "old farmer's insurance") that the insured farmers participated in before?

Answer: When the new rural insurance system is implemented, all the accumulated savings of the old rural insurance personal account will be transferred to the new rural insurance personal account, and the payment period will be converted according to the minimum payment standard, and the longest conversion period will not exceed 15 years (the original individual payment part will no longer enjoy the payment subsidy). At the same time, we should continue to pay according to the provisions of the new rural insurance and payment standards, and enjoy corresponding treatment when meeting the prescribed conditions.

13. If the insured farmers have participated in the old-age insurance and have already received the pension, can they directly enjoy the basic pension?

A: Yes. When the new rural insurance system is implemented, those who have reached the age of 60 and have received the new rural insurance pension will be given a new rural insurance basic pension on the basis of the original pension since the date of implementation.

14. how to connect the new rural insurance with the old-age insurance for village cadres?

A: Village cadres who participate in the new rural old-age insurance will pay according to the old-age insurance standard for village cadres during their tenure, and continue to pay according to the new rural old-age insurance regulations after leaving their jobs, and enjoy the new rural old-age insurance benefits when they meet the conditions for receiving it.

15, how to connect with other systems?

Answer: The connection between the new rural insurance and the basic old-age insurance for employees of urban enterprises, social security for land-expropriated farmers, late-stage support policies for reservoir resettlement, rural family planning reward and assistance policies, rural five-guarantee support, social special care and rural minimum living security system will be implemented after the relevant state departments issue policies.

Verb (abbreviation for verb) pension benefits

16. When will the insured farmers receive their pensions?

A: I started to receive my pension the month after I turned 60.

17. How do insured farmers go through the formalities of receiving pension benefits?

A: One month before the insured reaches the age of 60, he/she should bring his/her household registration book and the original ID card to the village (neighborhood) committee where he/she is located to fill out the notice for receiving the new rural social endowment insurance.

18. What are the pension components of the insured farmers?

A: The pension of the insured farmers consists of two parts: personal account pension and basic pension.

19. What is an individual account pension?

A: Personal accounts are used to record individual contributions, collective subsidies, subsidies from other social and economic organizations to the insured, and subsidies from local governments to the insured. At present, the deposit amount in personal account bears interest every year according to the one-year deposit rate of RMB in financial institutions announced by the People's Bank of China, and the deposit amount in personal account is calculated from the next month of payment. Personal account pension is the amount of personal account storage divided by 139 when the insured person meets the conditions for receiving it.

20. What is the basic old-age insurance?

A: The government only grants old-age subsidies to those who meet the qualifications. At present, the basic pension in our county is 60 yuan per person per month (including 55 yuan in the central finance and 5 yuan in the county finance).

2 1. What are the conditions for insured farmers to enjoy pension benefits?

Answer: When the insured meets the following conditions at the same time, he can receive a monthly pension in the month following his age:

(a) At least 60 years old;

(2) Cumulative payment period 15 years;

(three) did not enjoy the basic old-age insurance benefits for employees of urban enterprises.

Do rural elderly residents over 22.60 need to pay insurance?

Answer: When this method is implemented, rural residents who have reached the age of 60 and do not enjoy the basic old-age insurance benefits for employees of urban enterprises will receive the basic old-age pension in 60 yuan on a monthly basis, and no payment will be made. However, their eligible children should pay insurance premiums.

23. Is it convenient for farmers to pay insurance premiums or receive pensions?

A: Very convenient. Old-age insurance premium payment and pension collection can be handled at the nearest county rural cooperative bank outlets.