Social insurance premium for land expropriation in Yunnan Province

It is stipulated by the local government in order to complete the performance, and this insurance is not compulsory.

Measures for the pilot implementation of new rural social endowment insurance in Yunnan Province (for Trial Implementation)

Article 1 In order to further improve the rural social security system in our province, gradually narrow the gap between urban and rural areas, and realize the social goal of "providing for the elderly" for rural residents, these measures are formulated according to the Guiding Opinions of the State Council on Launching the Pilot Project of New Rural Social Endowment Insurance (Guo Fa [2009] No.32) and combined with the actual situation in our province.

Article 2 Rural residents (hereinafter referred to as the insured) who have reached the age of 16 (excluding students) in the pilot counties (cities, districts) approved by the State Council and the provincial people's government, who have not participated in the basic old-age insurance for urban workers and have household registration in this province may voluntarily participate in the new rural social endowment insurance (hereinafter referred to as the new rural social endowment insurance) in the counties (cities, districts) where their household registration is located.

Article 3 The basic principle of the new rural insurance pilot is "basic, wide coverage, flexible and sustainable", which specifically includes the following contents:

(1) Starting from the rural reality, start at a low level, and the financing standards and treatment standards should be compatible with economic development and affordability in all aspects;

(two) the individual (family), the collective and the government share the responsibility reasonably, and the rights correspond to the obligations;

(three) the combination of government-led and voluntary farmers to guide rural residents to participate in the insurance;

(four) the combination of social pooling and personal accounts;

(5) Territorial management, and gradually improve the level of fund management.

Article 4 The insured under the age of 60 shall pay the endowment insurance premium in full every year. The insured person can deposit the old-age insurance premium to be paid into the new rural insurance personal payment passbook at one time. The payment standard is 1 year, 100 yuan, which shall be paid by the insured in 200 yuan, 300 yuan, 400 yuan and 500 yuan. The state adjusts the payment grade in time according to the growth of farmers' per capita net income.

(1) When the new rural endowment insurance system is implemented, the insured person aged 15 or above shall pay the annual fee, and the cumulative payment period shall not be less than 15 years. Encourage them to continue to pay the old-age insurance premium on an annual basis after the accumulated payment period reaches 15 years, and pay it for a long time. If the insured fails to realize continuous payment during the payment period, he can continue to pay from the year after the interruption of payment, and the payment period before and after the interruption is calculated cumulatively.

(2) When the new rural insurance system is implemented, the insured under the age of 15 shall pay the annual fee. For the unpaid years from the age of 45 to the implementation of the new rural insurance system, the insured can pay the old-age insurance premium for the corresponding years in one lump sum when he reaches the age of 59, and enjoy the government's payment subsidy at the same time, but the accumulated payment period does not exceed 15 years.

Fifth conditional village collective economic organizations shall give subsidies to the insured, and the subsidy standard shall be determined by the villagers' committee convening the villagers' congress. Encourage other social organizations, social economic organizations, social welfare organizations and individuals to provide financial support for the insured.

Sixth central, provincial, state (city), county (city, district) people's government to give subsidies to the insured.

(a) when the insured person meets the conditions for receiving the pension, the the State Council pilot counties will be fully paid by the central government for the basic pension of 55 yuan per person per month, and the provincial pilot counties will be fully paid by the provincial finance for the basic pension of 55 yuan per person per month. On this basis, the state (city) and county (city, district) people's governments can raise the basic pension standard according to the actual situation, and the required funds shall be borne by the state (city) and county (city, district) people's governments.

(two) the insured according to the provisions of payment, can enjoy the provincial finance to give 30 yuan per person per year payment subsidies. On this basis, the state (city) and county (city, district) people's governments may appropriately increase the payment subsidies according to the actual situation, and the required funds shall be borne by the state (city) and county (city, district) people's governments.

(three) to encourage the insured to choose a higher level of payment. On the basis of enjoying the above-mentioned financial payment subsidies, the people's governments of various prefectures (cities) and counties (cities, districts) may give the insured an incentive payment subsidy according to the actual situation, and the required funds shall be borne by the people's governments of various prefectures (cities, districts).

(four) severely disabled people in rural areas, the provincial finance in accordance with the minimum payment grade standard 100 yuan year by year to pay the old-age insurance premium in full. For other rural groups with difficulties in payment, the people's governments of prefectures (cities) and counties (cities, districts) may formulate specific measures to subsidize the payment of old-age insurance according to the actual situation, and the required funds shall be borne by the people's governments of prefectures (cities) and counties (cities, districts). Provincial, state (city) and county (city, district) people's government subsidies into the fiscal budget at the same level. If the insured fails to pay in full and on time in that year, he cannot enjoy the financial payment subsidy in that year.

Seventh counties (cities, districts) new agricultural insurance agencies to establish personal accounts for the insured, including the following:

(a) the total amount of endowment insurance premiums paid by individuals and their interest;

(two) the annual payment subsidies and interest given by the people's governments of provinces, prefectures (cities) and counties (cities, districts);

(3) Collective subsidies and their interest;

(four) other economic organizations, social welfare organizations and individuals to provide assistance for the insured payment and interest. The endowment insurance premium in the personal payment passbook of the insured person is transferred to his personal account year by year according to the payment grade selected by the insured person. At present, the deposit amount in personal account bears interest every year according to the deposit rate of financial institutions 1 published by the People's Bank of China.

Article 8 When the insured person transfers the old-age insurance relationship across counties (cities, districts), he can transfer all the stored amount in his personal account to the new insured place, continue to pay the insurance premium in accordance with the relevant provisions of the new insured place, and enjoy the corresponding treatment; If the new rural insurance has not been carried out in the transfer place, the personal account storage amount can be temporarily stored in the original insured place, and then transferred when conditions permit. When the insured person transfers in this city (city, district), only the pension insurance relationship is transferred, not the personal account.

Ninth rural household registration insured over 60 years of age, did not enjoy the basic old-age insurance benefits 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 do not enjoy 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 participating in the new agricultural insurance should pay for insurance.

Article 10 The pension received by the insured person consists of two parts: personal account pension and basic pension, which are paid for life.

(1) Personal account pension: the total amount of personal account divided by the number of months of personal account pension, that is, the standard for receiving personal account pension every month is the total amount of personal account divided by 139.

(2) Basic pension: the basic pension paid by the central government or the provincial finance in full per person per month in 55 yuan, and the basic pension raised by the people's governments of states (cities) and counties (cities, districts).

Eleventh in accordance with the unified deployment of the State Council, timely adjust the minimum standard of basic pension.

Article 12 When the insured dies, in addition to government subsidies (principal and interest), the balance of funds in his personal account shall be paid to his legal heir or designated beneficiary in one lump sum; Government payment subsidies (principal and interest) are used to continue to pay the pensions of other insured persons.

Thirteenth new agricultural insurance fund temporarily implement county (city, district) level management, according to the pilot expansion and opening up, timely implementation of state (city) level management; Conditional states (cities) can also directly implement state (city) level management. The new agricultural insurance fund shall be incorporated into the financial special account of social security fund, with two lines of revenue and expenditure management, earmarking and real account operation. In principle, no new financial accounts will be established, and they will be accounted for under the financial accounts of the original social security funds in various places. Income households and expenditure households of local institutions are located in rural credit cooperatives.

Article 14 In areas where rural social endowment insurance (hereinafter referred to as endowment insurance) has been developed with individual contributions as the mainstay and individual accounts complete, the creditor's rights of endowment insurance funds should be properly handled and the connection with the new endowment insurance system should be done well. 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 pension, the funds in the personal account of the old-age insurance should be incorporated into the personal account of the new old-age insurance, and continue to pay according to the payment standard of the new old-age insurance, and enjoy the corresponding treatment when meeting the prescribed conditions.

Article 15 The connection between the new rural old-age insurance system and the basic old-age insurance for urban workers, the social security for landless farmers, the support policy for the later period of reservoir resettlement, the rural family planning reward and assistance policy, the rural five-guarantee system, social preferential treatment and the rural minimum living security system shall be implemented in accordance with the relevant provisions of the state.

Sixteenth pilot areas should strengthen the leadership of the new rural insurance pilot work, and set up a local leading group to promote the new rural insurance pilot work. Members of the leading group should coordinate with each other, carry out their duties, work together, and earnestly strengthen work guidance, supervision and inspection. Pilot states (cities) should determine relevant policies according to these measures, carefully guide pilot counties (cities, districts) to formulate pilot implementation plans, submit them to the provincial leading group for examination and approval, and implement them after being approved by the provincial people's government, and report them to the the State Council new rural insurance pilot work leading group for the record.

Seventeenth pilot areas should be in accordance with the principle of streamlining efficiency, on the basis of the existing township labor security service platform and social security (agricultural insurance) agencies, and effectively strengthen the capacity building of the new agricultural insurance agencies, and constantly enrich the staff to ensure that there are institutions responsible, personnel and funds to handle affairs. The personnel funds and working funds of the new agricultural insurance agency shall be included in the fiscal budget at the same level, and shall not be spent from the new agricultural insurance fund. Pilot areas should continuously strengthen the construction of new rural endowment insurance information system, incorporate it into the construction of social security information management system (golden insurance project), implement network management of data and information, standardize operational procedures, improve operational efficiency, equip grass-roots units with necessary equipment and facilities, and improve work efficiency.

Article 18 The new agricultural insurance agency shall establish and improve the financial, accounting, statistics, internal control, auditing, information disclosure and other systems of the new agricultural insurance fund, prepare the fund budget and final accounts on an annual basis, consciously accept the supervision of the social insurance fund supervision and management department, publicize the insured's eligibility for payment and treatment within the administrative village every year, and accept the supervision of the masses.

Nineteenth pilot areas should adhere to the correct guidance of public opinion, strengthen the publicity of the significance, basic principles, principles and policies of the new rural insurance work, and guide rural residents to actively participate in the new rural insurance by using easy-to-understand publicity methods.

Twentieth pilot start time to pilot counties (cities, districts) specific implementation documents issued by the time.

Twenty-first these Measures shall come into force as of June 5, 2009+February 6 +0.

In addition, I learned from the pilot work conference of new rural social endowment insurance held by the Yunnan provincial government in Kunming on June 65438+February last year that the individual payment standard is 1 00 yuan per person per year, with five grades in 200 yuan, 300 yuan, 400 yuan and 500 yuan. Farmers can choose independently according to their own conditions, or choose different payment grades according to their incomes in different years. If they pay more, in the long run, they will pay more.

It can be seen that the annual payment grade of Yunnan Province can be selected according to the income of the insured. That is to say, if the insured chooses 300 yuan as the payment grade this year, he can choose other grades (100 yuan, 200 yuan, 400 yuan and 500 yuan) to pay next year.

Specific calculation method of new rural endowment insurance in Yunnan

Personal account 1000 times 15+ government minimum subsidy 30 times 15 = 15450 divided by 139= monthly11+.

At the age of 60, the monthly pension is: basic pension (now the lowest in 55 yuan, and increasing)+(sum of individual pension insurance premium+annual government subsidy+interest) divided by 139.

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