Fujian 20 19 New Rural Insurance Policy

1. What are the objectives and tasks of the new rural insurance pilot?

The goal and task of the new rural old-age insurance pilot is to explore the establishment of a new rural old-age insurance system that combines individual contributions, collective subsidies and government subsidies, social pooling with individual accounts, and other social security policies and measures such as family pension, land security and social assistance to ensure the basic livelihood of farmers in their later years. In 2009, it was piloted in 0/0% counties (cities, districts) in Fujian Province. According to the deployment and requirements of the central authorities, the pilot areas will be expanded year by year, and will be widely implemented in the whole province as soon as possible, basically achieving full coverage of rural school-age residents.

2. What scope does the new rural insurance apply to?

The scope and object of the new rural endowment insurance are rural residents who have reached the age of 16 (excluding school students) and have not participated in the basic endowment insurance for urban workers. You can voluntarily participate in the new rural old-age insurance at your domicile.

3. How do rural residents register for insurance?

Rural residents who have reached the age of 16, have local agricultural household registration, and have not participated in the basic old-age insurance for urban enterprise employees, need to bring the original household registration book and resident ID card, and go through the insurance registration formalities at the handling point where the household registration is located.

4. How to determine the individual payment standard?

At present, the individual payment standard is set at 100 yuan ~ 1200 yuan 12 files per year. The pilot county (city, district) government can add a higher payment grade according to the local actual situation. Rural residents choose voluntarily at their own expense. In principle, it is paid once a year, and different payment grades can be selected according to the income of different years.

5. How does the village collective subsidize the villagers to participate in the insurance?

The subsidy standard shall be determined by the villagers' committee.

6. How does the government subsidize it?

Government subsidies are divided into two parts: first, the government finances pay the basic pension in full to the eligible insured, and the current minimum standard of basic pension in our province is set at 55 yuan per person per month; Second, the government subsidizes individual contributions. At present, the subsidy standard of the government in our province is set at not less than 30 yuan per person per year.

7. Do you give preferential treatment to groups with difficulties in payment?

Fujian Province stipulates that the city and county governments should pay the minimum old-age insurance premium not less than that of 50 yuan for severely disabled people in rural areas, low-income households in rural areas, the only child who died or was disabled in rural family planning objects, and those with surgical complications.

8. Are there any preferential policies for rural family planning families?

Fujian stipulates that for couples aged 45-59 who have two girls or one child in rural areas to participate in the new rural old-age insurance, the provincial finance will increase the 20 yuan payment subsidy on the basis of not less than the 30 yuan payment subsidy per person per year.

9. How to calculate individual contributions, collective subsidies and government contributions subsidies?

The agricultural insurance agency shall establish a personal account for endowment insurance with lifelong records for each insured person. Individual contributions, collective subsidies and government subsidies are all credited to individual accounts.

10. How to calculate the interest of personal account funds?

At present, personal account funds bear interest every year with reference to the one-year fixed deposit rate of RMB in financial institutions announced by the People's Bank of China.

1 1. How to query personal account information?

The insured can hold the social security card in the pilot counties (cities, districts) agricultural insurance agencies and agent bank window query.

12. What are the conditions for enjoying the pension benefits of the new rural insurance?

(1) Elderly people with rural household registration who have participated in the new rural old-age insurance according to relevant regulations and have reached the age of 60 and have not enjoyed the basic old-age insurance for urban enterprise employees can receive a monthly pension.

(2) When the new rural old-age insurance system is implemented, those who have reached the age of 60 and have not enjoyed the basic old-age insurance benefits for employees of urban enterprises can receive the basic pension directly on a monthly basis without paying fees, and all the expenses required are paid by the government, but their eligible children should pay insurance premiums. Eligible children refer to sons, daughters-in-law, unmarried daughters and son-in-law who have reached the age of 16, have not participated in the basic old-age insurance for urban enterprise employees, have local agricultural household registration and live in the same village as their parents.

13. how to stipulate the payment period of the new rural insurance?

When the new rural endowment insurance is implemented, those who are under the age of 15 years will be paid annually, and they are also allowed to pay back, and the cumulative payment period will not exceed 15 years; If the age is above 15, the payment shall be made annually, and the cumulative payment period shall not be less than 15.

14. What are the components of the pension benefits of the new rural insurance and how are they calculated?

The pension benefits of the new rural insurance are composed of basic pension and personal account pension, which are paid monthly to life. At present, the minimum standard of basic pension is 55 yuan per person per month. City and county governments can raise local basic pension standards according to actual conditions. Personal account pension, the monthly payment standard is the total personal account divided by 139.

For example, a 45-year-old farmer chooses to pay 500 yuan every year, and the government subsidizes 30 yuan every year. The payment is 15 years, and the interest is calculated at the current one-year time deposit rate of 2.25%. By the time he was 60 years old, the accumulated deposit in his personal account was 9333 yuan, divided by 139, the monthly personal account pension 67 yuan, and the basic pension 55 yuan (assuming 15).

See the table below for the prediction of pension calculation and payment standards corresponding to different payment grades:

15. How to inherit the personal account funds when the insured person dies?

When the insured person dies, regardless of whether he begins to receive a pension, the funds belonging to individual contributions and collective subsidies in his personal account can be inherited according to law; However, the funds subsidized by the government are paid from public finance, and the balance of these funds cannot be inherited and will continue to be used for the pension payment of other elderly people.

16. Has the pension benefits of the new rural insurance been adjusted?

On the basis of the national minimum standard of new rural endowment insurance, the provincial government will adjust the minimum standard of new rural endowment insurance in Fujian Province according to the economic development and price changes in our province.

17. where is the new rural endowment insurance fund stored and how to maintain and increase its value?

The new agricultural insurance fund is included in the financial special account of social security fund, and the value is maintained and increased in accordance with the relevant provisions of the state.

18. how to connect the old rural insurance with the new rural insurance?

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 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.

19. How does the new rural endowment insurance connect with other security systems?

Rural residents who participate in the new rural old-age insurance, participate in the basic old-age insurance for employees of urban enterprises, or enjoy the old-age security for landless farmers, rural family planning incentives, rural five guarantees, social special care, rural minimum living security, and reservoir resettlement support policies. The relevant departments in the State Council will formulate relevant policies to link the new rural endowment insurance with these systems and policies without harming the vested interests of rural residents. Specific convergence measures shall be formulated by Ministry of Human Resources and Social Security and the Ministry of Finance jointly with relevant departments.

20. How to go through the pension collection procedures?

Eligible insured persons should carry household registration books, personal identity cards and other materials, and go through the formalities for receiving pension benefits at the handling point where the household registration is located.

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