Jiangxi endowment insurance inquiry

The following are the documents issued by the provincial government. You may understand after reading it.

Notice of the people's Government of Jiangxi Province on printing and distributing the measures for the pilot implementation of the new rural social endowment insurance in Jiangxi Province

DocumentNo.: Gan Fufa [2009] No.26, Date of Release: 2009165438+1October 24th.

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Municipal and county (District) people's governments and provincial government departments:

"Jiangxi Province, the new rural social endowment insurance pilot implementation measures" have been approved by the provincial government, is issued to you, please implement.

Trial Measures for New Rural Social Endowment Insurance in Jiangxi Province

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), combined with the actual situation in our province, these measures are formulated.

I. Basic principles

The new rural social endowment insurance (hereinafter referred to as the new rural endowment insurance) should hold high the great banner of Socialism with Chinese characteristics, take Deng Xiaoping Theory and Theory of Three Represents as the guidance, thoroughly implement Scientific Outlook on Development, and gradually solve the problem of rural residents' endowment insurance in accordance with the requirements of the 17th National Congress of the Communist Party of China and the Third Plenary Session of the 17th Central Committee on accelerating the establishment of a social security system covering urban and rural residents. The basic principles of the new rural old-age insurance pilot are: "basic, wide coverage, flexible and sustainable". First, starting from the reality of rural areas, starting at a low level, and the standard of financing and treatment should be adapted to economic development and affordability in all aspects; Second, individuals (families), collectives and governments share responsibilities reasonably, and their rights and obligations correspond; Third, the combination of government-led and rural residents' wishes will guide rural residents to participate in insurance; Fourth, the basic principles and main policies of the new rural endowment insurance are determined by the provincial people's government according to the central policy, and the pilot counties (cities, districts) formulate specific measures to implement territorial management for the insured residents.

II. Objectives and tasks

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, we selected 1 1 counties (districts) with good working foundation in the whole province, such as Xinjian County, Yudu County, Yongfeng County, Wanzai County, Lean County, Yushui District of Xinyu City, Wuyuan County, xiushui county, Yuehu District of Yingtan City, Fuliang County and Luxi County. Later, the pilot project was gradually expanded and implemented in the whole province.

Third, the scope of insurance.

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 new rural insurance at their domicile.

Fourth, raise funds.

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 old-age insurance shall pay the old-age insurance premium according to the regulations. At present, the payment standard is set at 100 yuan per year, which is divided into five grades: 200 yuan, 300 yuan, 400 yuan and 500 yuan. Insured people choose their own grades to pay, and pay more. According to the current average living standard of rural residents in our province, in principle, the payment will start at 100 yuan. The specific collection measures shall be determined by the county (city, district) people's government.

(2) Collective subsidies. Conditional village collectives shall give subsidies to the insured, and the subsidy standard shall be determined by the villagers' committee. Encourage other economic organizations, social welfare organizations and individuals to provide financial support for the insured.

(3) government subsidies. The government pays the new rural insurance basic pension in full to eligible insured persons, and the central government gives full subsidies to our province in accordance with the basic pension standards determined by the central government.

Provincial and county (city, district) governments make up 30 yuan for the insured person every year, and the subsidy funds are borne by the provincial finance in 24 yuan, and the counties (cities, districts) in 6 yuan. Provincial financial subsidy funds will be allocated to the financial departments of relevant counties (cities, districts) in one lump sum according to the number of insured payment and the number of county-level financial subsidy funds, and then the financial departments of counties (cities, districts) will allocate the subsidy funds to the special accounts of new agricultural insurance funds of counties (cities, districts) in one lump sum.

For severely disabled people in rural areas, the provincial and county (city, district) governments all pay the minimum old-age insurance premium of 100 yuan, with the provincial financial burden of 80% and the county (city, district) financial burden of 20%.

Five, the establishment of personal accounts

County-level agricultural insurance agencies to establish a lifelong record of the old-age insurance personal account for each new agricultural insurance insured. Individual contributions, collective subsidies, subsidies to the insured by other economic organizations, social welfare organizations and individuals, and subsidies to the insured by local governments are all credited to personal accounts. The amount stored in individual accounts shall bear interest every year with reference to the one-year RMB deposit rate of financial institutions published by the People's Bank of China.

Sixth, pension benefits.

Pension treatment consists of basic pension and personal account pension, which is paid for life.

The basic pension standard is 55 yuan per person per month, and the county (city, district) government may raise the basic pension standard according to the local actual situation. For farmers who have paid for a long time, the basic pension may be appropriately increased, and the funds raised and increased shall be paid by the county (city, district) government.

The monthly calculation and payment standard of personal account pension is the total amount of personal account divided by 139 (the same as the current calculation and payment coefficient of personal account pension of basic old-age insurance for urban employees). If the insured person dies, the balance of personal account funds can be inherited according to law.

Seven, pension benefits to receive conditions over 60 years of age, did not enjoy the basic old-age insurance for urban workers in rural areas, 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 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. In order to encourage young and middle-aged farmers to actively participate in insurance and pay for a long time, if the payment period exceeds 15 years, the basic pension in 0 yuan will be increased by 65438+ every month on the basis of the stipulated basic pension.

Eight, treatment adjustment

According to the relevant national policies and regulations, combined with the actual situation in our province, timely adjust the minimum standard of basic pension for new rural insurance in our province.

Nine. Institutional convergence

(a) the rural social endowment insurance (hereinafter referred to as endowment insurance) that has been implemented with individual contributions as the mainstay and complete individual accounts should be well connected with the new endowment insurance system on the basis of properly handling the creditor's rights of the endowment insurance fund. In the pilot area of the new rural insurance, the insured who has participated in the old rural insurance, reached the age of 60 and has received the old rural insurance pension can directly enjoy the basic pension of the new rural insurance and continue to enjoy the treatment of the old 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 pension, the funds in the personal account of the old-age insurance should be merged into the personal account of the new old-age insurance, and continue to pay according to the new old-age insurance payment standard, and enjoy the payment subsidy according to the new old-age insurance payment period, and enjoy the new old-age insurance treatment when meeting the prescribed conditions.

(II) Do a good job in connecting the new rural insurance with the basic old-age insurance for urban workers, the new rural insurance system with the social security for landless farmers, family support for family planning in rural areas, late support for reservoir resettlement, rural five-guarantee support, social preferential treatment, rural minimum living security and other policy systems, and continue to implement the original policies before Ministry of Human Resources and Social Security and the Ministry of Finance introduce new regulations.

X. Fund management

Establish and improve the financial accounting system of the new agricultural insurance fund. According to the relevant provisions of the state, the new agricultural insurance fund is included in the financial special account of the social security fund, and it is managed by two lines of revenue and expenditure, accounting separately, so as to maintain and increase the value. In the pilot stage, the new agricultural insurance fund takes the county level as the overall unit and implements the budget and final accounts system. The human resources and social security department at the county level shall, jointly with the financial department at the same level, prepare the annual revenue and expenditure budget of the new agricultural insurance fund, and report it to the people's government at the county level for approval before implementation, and the annual final accounts shall be reported to the higher authorities for approval. With the expansion and opening up of the pilot, the management level will be gradually improved.

XI。 Fund supervision

The administrative departments of human resources and social security at all levels should earnestly perform the supervision duties of the new rural endowment insurance fund, formulate and improve the management rules and regulations of the new rural endowment insurance business, standardize business processes, establish and improve the internal control system and fund audit system, monitor and regularly check the fund raising, transfer and distribution, regularly disclose the information on the new rural endowment insurance fund raising and payment, be open and transparent, and strengthen social supervision. The financial, auditing and supervision departments shall supervise 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.

XII. Handling Management Services

Counties (cities, districts) that carry out the pilot project of new rural insurance should carefully record the payment and treatment of rural residents, establish insurance files and keep them properly for a long time; It is necessary to speed up the establishment of a unified new agricultural insurance information management system in the province, incorporate it into the construction of social security information management system ("Golden Insurance Project"), and share information resources with other citizen information management systems. Ministry of Human Resources and Social Security will regularly submit the approved pension payment plan (number and amount) to the finance department at the same level, and after being audited by the finance department, timely transfer the pension to the bank, which will implement socialized payment. Vigorously promote the social security card system, so as to facilitate the insured to pay by credit card, receive benefits and inquire about the insured information. Pilot areas should integrate existing rural social service resources, use modern management methods and government-purchased services, and strengthen the capacity building of new rural endowment insurance. City, county (District) two levels should be equipped with institutions adapted to the task; The township (town) social security work platform should appropriately increase the staffing, ensure the work funds, implement the funds of a coordinator in each administrative village, and ensure that the grassroots have money to handle affairs. 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.

Thirteen. Strengthen organizational leadership

Governments at all levels 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.

The provincial government set up the "Leading Group for the Pilot Work of New Rural Social Endowment Insurance in Jiangxi Province" to study and formulate relevant supporting policies, supervise and inspect the implementation of policies, summarize and exchange pilot experience, and coordinate and solve problems in the pilot work. The office of the leading group is located in the Provincial Department of Human Resources and Social Security.

Human resources 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. Cities and counties (districts) should also set up a pilot work leading group to be responsible for the pilot work in this area.

Fourteen, formulate the implementation plan

Pilot counties (cities, districts) should make a feasible implementation plan on the basis of doing a good job in demographic survey and the expected calculation of matching funds, and implement it after being approved by the provincial pilot leading group.

Fifteen, do a good job in public opinion propaganda.

Establishing a new rural old-age insurance system is an important decision to thoroughly implement Scientific Outlook on Development and accelerate the construction of a social security system covering urban and rural areas, an important measure to expand domestic demand, an important basic project to gradually narrow the gap between urban and rural areas, change the dual structure between urban and rural areas, and promote the equalization of basic public services, and an important policy to benefit the people by realizing the old age of rural residents, promoting family harmony and increasing farmers' income. All regions and relevant departments should adhere to the correct guidance 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 of the new rural insurance, 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. All localities should pay attention to finding new situations and problems in the process of pilot research, actively explore and summarize the methods and experiences to solve new problems, properly handle the relationship between reform, development and stability, and do a good job. Important information should be reported to the provincial new rural insurance pilot work leading group in a timely manner.