Pingdu Social Security Consultation Center: The household registration is in Pingdu rural area, and there is no work unit. I want to invest in endowment insurance personally, can I? What's the procedu

Pingdu Social Security Consultation Center: The household registration is in Pingdu rural area, and there is no work unit. I want to invest in endowment insurance personally, can I? What's the procedure? How to deal with it? Life insurance is not as good as commercial insurance. Life insurance varies from place to place. Policy Answers to the Implementation Measures of Social Endowment Insurance for Urban and Rural Residents in Yiwu

Www.yiwu.gov.cn 2010 065438+10 20 Source: Yiwu Municipal Bureau of Personnel, Labor and Social Security.

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1. Who can participate in the social endowment insurance for urban and rural residents?

Urban and rural residents who have registered in our city, reached the age of 16 (excluding full-time students), non-state organs, institutions and social group work personnel, and have not participated in the basic old-age insurance for urban workers can participate in the social old-age insurance for urban and rural residents.

Second, what are the conditions for enjoying the treatment?

Before 20 10 and 10, urban and rural residents in this city who have reached the age of 60 and above and have not enjoyed the retirement and resignation benefits of state organs, institutions and social organizations and the basic pension benefits for urban workers do not pay fees, but their children who meet the conditions for insurance will receive the basic pension on a monthly basis from 20 10 to 10.

Before 20 10 and 1, urban and rural residents over 45 years old but under 60 years old shall pay the annual fee. In the first year of the implementation of the system, the insured payers are allowed to pay in one lump sum at the age of 60, and the cumulative payment period does not exceed15; In the first year of the implementation of the system, the insured who has not paid the fee is allowed to pay 20 10 at the age of 60 until the insured reaches the age of 60. The payment standard is to pay the lowest payment grade in our city in that year. Insured persons who have reached the age of 60 will receive social endowment insurance benefits for urban and rural residents according to the actual payment period.

Before 20 10 and 1, urban and rural residents under the age of 45 shall pay the annual fee, and the cumulative payment period shall not be less than 15. The insured person shall not repay the payment after the interruption of the payment period. At the age of 60, if the payment is less than 15 years, deferred payment is allowed. After paying the fee for 15 years, you will go through the treatment procedures from the next month that meets the conditions for enjoying the treatment and enjoy the social endowment insurance for urban and rural residents.

3. What is the payment standard?

The payment standard is set to 100 yuan per year, with five grades of 300 yuan, 600 yuan, 800 yuan and 1200 yuan per year. Insured people can choose their own payment grades every year. The payment standard is adjusted in time with the social and economic development and the improvement of living standards in our city.

4. How to stipulate government subsidies?

The municipal finance subsidizes the payment of the insured, and the subsidy standard is 30 yuan, 40 yuan, 50 yuan, 60 yuan and 70 yuan per person per year according to the payment grade. Individuals with severe disabilities, low-income groups and other difficult groups will be fully subsidized by the municipal finance in accordance with the lowest payment grade of this city in the payment year.

If the insured person dies, government subsidies or the balance of government subsidies will be incorporated into the social endowment insurance fund for urban and rural residents.

5. When will the payment start?

Social endowment insurance for urban and rural residents is paid annually, and the payment period is from March 1 day to May 3 1 day every year.

6. What information should I bring?

Eligible urban and rural residents shall pay the social endowment insurance premium for urban and rural residents at the village committee (community) where the household registration is located with the original ID card and household registration book during the payment period, and go through the insurance registration procedures. If bank withholding is implemented, please bring the original ID card and bank passbook (ICBC) to ICBC outlets for entrusted deduction.

7. How is the personal account formed?

(1) Endowment insurance premiums paid by individuals; (2) government subsidies; (3) collective subsidies;

(four) insurance premiums paid by other economic organizations, social welfare organizations and individuals;

(5) Interest income.

8. How is the pension paid?

The pension for urban and rural residents consists of three parts: basic pension, personal account pension and payment period pension.

(a) the basic pension is tentatively set at 70 yuan per person per month. The basic pension is arranged by the financial budget. In the future, the basic pension will be adjusted in a timely manner with the economic development and the improvement of living standards in our city.

(2) The monthly standard of personal account pension is the amount stored in personal account divided by 139 months. After the individual account is paid, it will be arranged by the municipal budget.

(3) The pension standard for the payment period shall be calculated and paid in sections according to the principle of long payment and more income. At present, it is tentatively set as follows: if the payment is less than 5 years (including 5 years), the monthly payment pension will be paid at 1 yuan/year; If the payment is over 6 years and less than 10 year (including 10 year), the monthly payment pension will be paid according to 2 yuan/year from the sixth year; If the payment period exceeds 1 1 year (including 1 1 year), the pension with payment period will be paid according to the monthly 3 yuan/year from 1 1 year.

Demobilized veterans and demobilized noncommissioned officers who participate in the social endowment insurance for urban and rural residents shall be deemed to have paid length of military service (except those sentenced to reeducation through labor) and given preferential pensions.

9. What treatment does the insured receive after his death?

If the insured person dies, the amount of personal account storage or the balance of personal account storage will be refunded at one time (except government subsidies and interest). If the insured person dies while enjoying the pension benefits, the funeral subsidy will be paid, and the standard of funeral subsidy will be calculated for 20 months according to the basic pension standard of the month of death.

X. How are special groups defined?

1. After the implementation of the Measures for Social Endowment Insurance for Urban and Rural Residents, those who meet the requirements of enjoying the social endowment insurance benefits for urban and rural residents such as supporting policies in the later period of reservoir resettlement, minimum living security, family planning incentives and assistance, social preferential treatment, rural "five guarantees" and urban "three noes" support, and relief of living allowance for workers' survivors can enjoy it simultaneously.

2. If the insured person is sentenced to reeducation through labor, he will stop paying the social endowment insurance premium for urban and rural residents during the period of serving his sentence and reeducation through labor, and his personal account will be kept by the social security department with uninterrupted interest. After the expiration of the term of imprisonment or reeducation through labor, if the prisoner is released to his original place and continues to pay, the amount stored in his personal account and the payment period before and after serving the sentence and reeducation through labor shall be calculated cumulatively.

If the insured is sentenced or re-educated through labor during the period of enjoying the pension benefits on a monthly basis, he will no longer enjoy the pension benefits during the period of serving his sentence or re-education through labor. After serving a sentence or reeducation through labor expires, the pension is paid according to the standard before serving the sentence or reeducation through labor.

Eleven, how to plan and pay the pension for demobilized veterans?

First, the basic pension.

Retired soldiers receive pensions in the same year according to local unified standards.

Second, personal account pension.

Length of military service, a retired soldier, is calculated and paid according to the following standards: based on the average payment grade amount of our city in the year when retired soldiers receive pension benefits and the lowest government payment subsidy standard of our city in that year, multiply it by its length of military service (less than 1 year, it is counted as 1 year, the same below) to calculate the amount of the account, which is included in the personal account storage. Personal account pension is calculated and paid in the same way as other insured persons.

Third, the payment period pension

The payment period of demobilized veterans is the sum of the actual payment period of length of military service and individuals. The payment period of pension is the same as that of other insured persons.

Fourth, preferential pensions.

Demobilized veterans enjoy the above three pension benefits at the same time, and each person is given preferential treatment according to 40 yuan every month. In the future, the standard will be adjusted by the province in a timely and unified manner.