Which department of rural endowment insurance

Rural endowment insurance policy: Rural endowment insurance is a non-profit social insurance project organized and implemented by governments at all levels according to relevant national policies and regulations. It refers to an old-age security system in which rural registered residents (including ordinary farmers, farmers who work in cities and do business, employees of township enterprises, and people who transfer from rural areas to non-rural areas) pay a certain amount of labor income, pay insurance premiums, and receive pensions after reaching the prescribed age to ensure their basic living needs. At present, the proportion of rural elderly population in China has exceeded 12%, and it has entered an aging society. With the family size gradually shrinking, a couple will have to support four elderly people and 1 or two children in the future. It is impossible to solve the problem of providing for the aged only by relying on the family. The establishment of social endowment insurance system needs to reserve and accumulate funds in advance. This is of great significance for implementing the basic national policy of family planning, promoting rural economic and social development, and narrowing the gap between workers and peasants and between urban and rural areas. First, the object and age of rural old-age insurance are rural registered residents (including ordinary farmers, farmers who work in cities for business, employees of township enterprises, and demobilized workers in small towns), and the age of participation is 18 to 60 years old. Second, the rural old-age insurance payment standard and fixed number of years stipulate that the rural old-age insurance payment standard is flexible, and there is no fixed requirement at present. You can choose the payment grade according to the situation. It can be paid in one lump sum or in annual installments. Three. Value-added payment of rural old-age insurance The interest of rural old-age insurance premium is calculated according to the one-year fixed deposit rate of the bank in the same period, and it is automatically adjusted with the one-year deposit rate of RMB announced by the People's Bank of China. Four. To participate in the rural old-age insurance project, the rural social old-age insurance is the responsibility of the Labor and Social Security Bureau, and the rural old-age insurance center undertakes specific business. Rural hukou residents can participate in the local county-level rural endowment insurance center. Five, pension recipients from the second month after reaching the age of 60, to the county rural endowment insurance institutions to receive the "certificate", for pension payment procedures, but also to the designated agricultural insurance institutions to receive a passbook, receiving standards according to the insured's payment grade, payment period and the value-added interest rate stipulated by the state to determine. The insured receives a pension during his lifetime until his death. If the applicant dies before the age of 60, all the principal and interest paid by the individual shall be returned to his legal heir or designated beneficiary at one time. The applicant guarantees to receive a ten-year pension during the collection period. If he dies during the collection period, his successor or designated beneficiary can receive the residual pension in one lump sum according to the standard. 6. The insurance relationship (including funds) of the pension transfer policyholder who moves out of the local area can be transferred to the rural insurance agency where he moves in. If you can't transfer, you can keep the insurance relationship or withdraw from this insurance. Seven, rural social endowment insurance institutions Rural social endowment insurance by the Labor and Social Security Bureau is responsible for, rural endowment insurance center to undertake specific business, and accept the supervision and guidance of the higher authorities, and accept the audit of the audit department. According to the State Council's Guiding Opinions on Launching the Pilot Project of New Rural Social Endowment Insurance (Guo Fa [2009] No.32, hereinafter referred to as Guiding Opinions), combined with the actual situation in Sichuan Province, the Implementation Law of the Pilot Project of New Rural Social Endowment Insurance in Sichuan Province is formulated. I guiding ideology and basic principles to carry out the pilot work of the new rural social endowment insurance (hereinafter referred to as the new rural social endowment insurance), we should take Scientific Outlook on Development as the guide, aim at improving the basic living standard of rural elderly residents, aim at standardizing management and optimizing services, aim at basically covering the rural school-age population, adhere to the basic principle of "ensuring basic, wide coverage, flexibility and sustainability", and combine government guidance with farmers' voluntary insurance. Adhere to the reasonable sharing of responsibilities among individuals (families), collectives and the government, proceed from the reality of rural areas, 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 all aspects, and are compatible with other security measures. Second, the scope of insurance 16 years of age or older (excluding students at school), rural residents who have not participated in the basic old-age insurance for urban workers can voluntarily participate in the household registration. Three, the fund to raise funds from individual contributions, collective subsidies, 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, which is divided into five grades: 200 yuan, 300 yuan, 400 yuan and 500 yuan, and various localities can add payment grades according to actual conditions; Insured people choose their own grades to pay, and pay more. Provincial governments adjust the payment grades in a timely manner according to the requirements of national unity. (2) Collective subsidies. Conditional village collectives shall give subsidies to the insured, and the subsidy standard shall be 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. Local governments at all levels give basic subsidies to the insured, and the subsidy standard is not lower than 30 yuan per person per year. Among them, the total provincial financial subsidies are arranged according to 50% of local subsidies, and the province gives subsidies according to the financial level of each pilot area. The rest is shared by the city and county levels, and the specific sharing ratio is determined by the municipal (state) people's government. If you choose to pay in 300 yuan, the local government will increase the subsidy to 5 yuan every year; If you choose to pay by 400 yuan, the local government will increase the subsidy 10 yuan every year; If 500 yuan is chosen as the unit for payment, the local government will increase the subsidy 15 yuan every year, and the fund sharing ratio is the same as the basic payment subsidy. For severely disabled people in rural areas, the municipal (state) and county (city, district) governments will pay part or all of the minimum old-age insurance premium on their behalf. The specific standards and sharing ratio shall be determined by the municipal (state) government and borne by itself. Fourth, establish a personal account. The social insurance agency shall establish a personal account for endowment insurance for each insured person. Individual contributions, collective subsidies and other social and economic organizations, social welfare organizations, individual contributions of insured persons and contributions of local governments to insured persons are all credited to individual accounts. At present, the amount of deposits in personal accounts is calculated with reference to the one-year RMB deposit interest rate of financial institutions published annually by the People's Bank of China. V. Pension Treatment According to state regulations, the pension treatment in our province consists of basic pension and personal account pension, and lifelong payment is implemented. The basic pension standard is 55 yuan per person per month. The municipal (state) governments may raise the basic pension standard according to the actual situation, and may appropriately raise the basic pension for rural residents who have been insured for a long time. The specific standards for raising and increasing funds and the sharing ratio shall be determined by the municipal (state) government and borne by itself. 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. When the insured dies, the balance of personal account funds can be inherited according to law, except for government subsidies; The balance of government subsidies is used to continue to pay the pensions of other insured persons. Conditions for receiving treatment of intransitive verbs Rural registered elderly 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 insurance shall pay insurance premiums; If the age before collection is less than 15, the annual payment is allowed, and the accumulated payment shall not exceed 15. If the age is above 15, the fee shall be paid annually, and the accumulated fee shall not be less than 15. Seven. Adjustment of treatment According to the unified regulations of the state, the provincial government timely adjusts the minimum standard of basic pension for new rural insurance in our province in combination with economic development and price changes. Eight, fund management to establish and improve the financial accounting system of the new agricultural insurance fund. The new agricultural insurance fund is included in the financial special account of social security fund, managed by two lines of revenue and expenditure, accounted for separately, and maintained and increased in accordance with relevant regulations. At present, the new rural endowment insurance fund is temporarily managed at the county level in the pilot stage. With the expansion and opening of the pilot, the overall level has gradually improved. Nine. Fund Supervision Labor and social security departments at all levels should earnestly perform the supervision duties of the new agricultural insurance fund, 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, conduct real-time monitoring and regular inspection on fund raising, budgeting, disbursement and distribution, and regularly disclose the information on fund raising and payment of the new agricultural insurance fund, so as to be open and transparent and strengthen social supervision. The financial, supervisory and auditing departments shall exercise supervision 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 eligibility of the insured in the village for payment and treatment within the administrative village every year, and accept supervision by the masses. Ten, the province's management service institutions should be in the overall planning and technical framework of the social security information system (golden insurance project), the establishment of a unified and standardized new agricultural insurance information management system. Counties (cities, districts) that carry out the pilot project of new rural endowment insurance should carefully record the payment and treatment of rural residents, establish insurance files, and keep them properly for a long time according to regulations. It is necessary to vigorously promote social security cards to facilitate the insured to pay by credit card, receive benefits and inquire about insurance information. On the basis of the existing social security agencies and township employment social security service agencies, the pilot areas should straighten out the new agricultural insurance management system, clarify management responsibilities, use modern management methods and government-purchased services to enrich economic strength and improve work efficiency. 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. Xi。 The relevant system should be connected with the developed rural social endowment insurance (hereinafter referred to as the old-age insurance) which is mainly based on individual contributions and accumulated in individual accounts. On the basis of properly handling the creditor's rights and debts of the old rural social endowment insurance fund, it is necessary to make a good connection with the new rural social endowment insurance system and economic work. In the pilot area of the new rural insurance, all the insured persons who have participated in the new rural insurance, reached the age of 60 and have received the new 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 old-age pension, their personal account funds should be incorporated into the new rural insurance personal account, and corresponding data files should be established, and they can continue to pay according to the new rural insurance payment standard, and they can enjoy corresponding treatment when they meet the prescribed conditions. The methods for connecting the new rural old-age insurance with other old-age insurance systems, such as the basic old-age insurance for urban workers, and the supporting methods for the new rural old-age insurance system with 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, the social preferential treatment system and the rural minimum living security system will be implemented in combination with the actual situation in our province after the relevant state departments have issued relevant documents. The areas where the new rural endowment insurance has been preliminarily explored before should be adjusted according to the guidance of the State Council and this Law, especially the system mode, financing mode, management and calculation methods should be consistent with the relevant policies in the guidance of the State Council. Twelve, the provincial government in the city (state) government recommended the national pilot counties (cities, districts) on the basis of the list, seriously organize the pilot, and the pilot conditions reported to the State Council for approval. Municipal (state) governments should earnestly strengthen the organization and leadership of the pilot work, increase the guidance to the pilot counties (cities, districts), and formulate specific implementation plans for the pilot as soon as possible in strict accordance with the Guiding Opinions of the State Council and the requirements of this law. County (city, district) government reported to the municipal (state) government for approval. Thirteen, strengthen the organization and leadership of the provincial government's new agricultural insurance pilot work leading group responsible for the province's pilot work of policy coordination and organizational leadership. Municipalities (states) and pilot counties (cities, districts) should also set up leading institutions for the pilot work accordingly, and make specific arrangements for the pilot work as soon as possible to ensure the smooth progress of the pilot work. All localities 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. Labor 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. All localities should adhere to the correct direction of public opinion, use popular and easy-to-understand propaganda methods, and strengthen the propaganda of the significance of the pilot work and the basic principles and policies, 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.

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