Qingdao Chengyang has endowment insurance.

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The landlord should take out an old-age insurance for his mother to solve the problem of old-age care. This is filial piety as a child! Respectable!

The landlord's mother is an urban hukou in the rural areas around Qingdao, and the most important thing to consider is to participate in the "basic social endowment insurance for urban and rural residents" implemented in Qingdao.

Because of the "social basic old-age insurance for urban and rural residents" and government financial subsidies, the goals of "wide coverage, basic protection, flexibility and sustainability" and "worry-free old-age care" can basically be achieved. Of course, if the economic conditions are better, you can choose a higher payment and the corresponding protection is better.

The "endowment insurance" of insurance companies is commercial insurance, and there is no financial subsidy from the state (government). Comparatively speaking, the insurance cost is high and the guarantee is low.

In fact, this is a relatively favorable social basic old-age insurance system in Qingdao since the national pilot "new rural endowment insurance" system (started in 2009).

At that time, after the State Council introduced the "new rural endowment insurance" system (Guo Fa [2009] No.32), Chongqing issued the "Guiding Opinions on the Pilot Work of Social Endowment Insurance for Urban and Rural Residents in Chongqing" (Yu Fu Fa [2009] No.64). To be exact, it should be revised and adjusted by the Chongqing Municipal Government according to the State Council's documents. The prominent feature of Chongqing policy document is "implementing universal social security for urban and rural residents". Both rural household registration and urban household registration can participate in the "social endowment insurance for urban and rural residents" as long as they do not participate in the employee endowment insurance. Since then, Beijing has also introduced policies similar to "new rural insurance" and "endowment insurance for urban and rural residents" to solve the problem of "national social security".

According to the deployment of the State Council, the Shandong provincial government issued the policy of "new rural endowment insurance", while the Qingdao municipal government directly issued the policy of "basic social endowment insurance system for urban and rural residents" on February 23rd, 20th/kloc-0th.

At present, it is piloted in four districts of the city, Chengyang District and jimo city, and it is planned to be fully covered within three years. It's not far from Jiaonan City.

In addition, the national and provincial governments stipulate that the payment amount of "new rural endowment insurance" is 100 yuan per year, with five grades in 200 yuan, 300 yuan, 400 yuan and 500 yuan, and the Qingdao municipal government has added four annual payment grades of 1000 yuan, 1500 yuan, 2,000 yuan and 2,500 yuan (*). Perhaps, if it is extended to Jiaonan City, the Jiaonan Municipal Government will increase the payment level.

Relevant documents (official documents, you can check the government official website) can be provided to you. If you need a policy interpretation article (too much content to send), please let us know your email address so that we can send it to you.

The above opinions are for your reference!

Opinions on implementing the social basic old-age insurance system for urban and rural residents

Zheng Qing Zi [20 1 1]No. 10

District (city) people's governments, municipal government departments and municipal units:

In order to speed up the establishment of a social security system covering urban and rural residents, the following urban and rural areas are formulated in accordance with 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) and the Implementation Opinions of the Provincial Government on Launching the Pilot Project of New Rural Social Endowment Insurance (Lu [2009]131No.0), combined with the actual situation of our city.

I. Basic Principles and Mission Objectives

(1) basic principles

The basic principle of the old-age insurance system for residents is "wide coverage, basic protection, flexibility and sustainability". Adhere to the level of security and the level of urban economic development; Adhere to the financing mechanism combining individual contributions, collective subsidies and government subsidies; Adhere to the correspondence between rights and obligations and the combination of fairness and efficiency; Adhere to the combination of government leadership and voluntary participation of urban and rural residents, and guide urban and rural residents to participate in insurance.

(ii) Mission objectives

20 1 1 opened in Shinan district, Shibei district, sifang district, Licang district, Chengyang district and jimo city, which have been included in the national new rural endowment insurance pilot, and other districts (cities) opened according to the national new rural endowment insurance pilot steps.

Second, the insurance coverage

Urban and 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 old-age insurance for residents at their domicile.

Third, raise funds.

The endowment insurance fund for residents consists of individual contributions, collective subsidies and government subsidies.

(1) individual payment. The insured shall pay the endowment insurance premium as required. Individual payment standards are divided into five grades: annual 100 yuan, 200 yuan, 300 yuan, 400 yuan and 500 yuan. The district (city) government can add payment grades according to the actual situation. The insured person chooses the payment grade independently and pays the fee annually. The payment method shall be formulated separately by the municipal human resources and social security department. The municipal government shall timely adjust the payment grade according to the provisions of the state and the province or the income growth of urban and rural residents.

(2) Collective subsidies. Conditional collective economic organizations shall give subsidies to the members who participate in the residents' endowment insurance, and the specific subsidy standards shall be determined by the collective economic organizations democratically. Collective subsidies should adhere to the principles of openness, fairness and justice, implement the publicity system, and accept the supervision of the society and the masses. Encourage other economic organizations, social welfare organizations and individuals to provide financial support for the insured.

(3) government subsidies.

1. Basic pension. The government pays the basic pension of residents' old-age insurance in full to eligible insured persons. According to the unified national regulations, the basic pension standard is determined as 55 yuan per person per month. If the payment exceeds 15 years, the basic pension will increase by 1% every1year. The basic pension is borne by the municipal, district (city) governments, and the districts (cities) that have been included in the national new rural insurance pilot enjoy the central financial subsidies in accordance with state regulations, and the remaining part after the central financial subsidies is borne by the municipal, district (city) governments. Conditional district (city) government can raise the basic pension standard according to the actual situation, and part of the funds will be borne by the district (city) government.

2. Pay subsidies. City, district (city) government should give subsidies to the insured payment, the subsidy standard is 30 yuan per person per year, and the payment part should be supplemented. Each district (city) may give appropriate encouragement to those who choose higher-grade payment, and the specific standards and measures shall be determined by the district (city) government. For groups with payment difficulties such as severely disabled people, the municipal, district (city) government shall pay the endowment insurance premium for no more than 15 years according to the fifth file of individual payment standard.

Fourth, establish a personal account.

The government establishes a lifelong personal pension insurance account for each resident pension insurance participant. Individual contributions, collective subsidies and other economic organizations, social welfare organizations and individuals to the insured, the city, district (city) government to the insured's contributions are all credited to the personal account. Subsidies paid by the government should be recorded in individual accounts separately. At present, the amount stored in personal accounts bears interest every year with reference to the one-year RMB deposit rate of financial institutions announced by the People's Bank of China.

Verb (abbreviation of verb) Determination of pension benefits

(1) Pension benefits. Pension treatment consists of basic pension and personal account pension, which is paid for life. The basic pension is paid according to the national and provincial standards. The monthly payment standard of personal account pension is 139 (the same as the current monthly payment standard of personal account pension of basic old-age insurance for urban employees). When the insured dies, the balance of his personal account can be inherited according to law, except for government subsidies.

(2) conditions for enjoying pension benefits.

1. Older people who have reached the age of 60, paid fees according to regulations, did not enjoy the basic old-age insurance for urban workers, and have household registration in this city can receive a monthly pension.

2. Older people who have reached the age of 60 at the time of the implementation of the old-age insurance system, have not enjoyed the basic old-age insurance benefits for urban workers, and have household registration in this city can voluntarily pay the old-age insurance premium for no more than 15 years; You can also receive a basic pension on a monthly basis without paying. Those who receive the basic pension directly without payment shall be insured by their eligible children.

When the old-age insurance system is implemented, residents aged 46-59 shall pay the annual fee, and the accumulated payment period shall not be less than the remaining years from the actual age to the age of 60. They are allowed to pay back when they reach the age of 60, but the cumulative payment period after payment is not more than 15 years.

Residents under the age of 45 (inclusive) when the old-age insurance system is implemented shall pay the annual fee, and the cumulative payment period shall not be less than 15 years.

(3) Adjustment of treatment. According to the national and provincial regulations and the economic development of our city, adjust the pension plan and basic pension standards in a timely manner. The specific adjustment plan is proposed by the Municipal Human Resources and Social Security Bureau in conjunction with the Municipal Finance Bureau and implemented after being approved by the municipal government.

Management and supervision of intransitive verb funds

(1) fund management. The residents' pension insurance fund shall be included in the financial special account management of the social security fund, with two lines of revenue and expenditure, accounting separately, and maintaining and increasing the value in accordance with the relevant provisions of the state. The fund implements municipal co-ordination.

The financial department shall, jointly with the human resources and social security department, carefully prepare the government subsidy budget to ensure that the subsidies for the insured personnel are in place in time and the basic pension is paid in full and on time.

(2) fund supervision. Human resources and social security departments at all levels should earnestly perform their duties of fund supervision, formulate and improve various rules and regulations for residents' old-age insurance, standardize business processes, establish and improve internal control systems and fund audit systems, conduct real-time monitoring and regular inspections on fund raising, budgeting, disbursement and distribution, and regularly disclose information on fund raising and payment to achieve openness and transparency. Finance, supervision and auditing departments should supervise according to their respective responsibilities, put an end to misappropriation and ensure the safety of the fund. Each district (city) should publicize the eligibility for insurance payment and treatment in the village (neighborhood) every year, and accept social supervision and mass supervision.

Seven. Institutional convergence

To carry out residents' old-age insurance, we should properly handle the connection with the old-age insurance system, the local new rural endowment insurance system in our city and other social old-age insurance systems.

(a) after the implementation of the old-age insurance system, people who have participated in the old-age insurance and have reached the age of 60 and received the old-age insurance pension can directly enjoy the basic pension of the old-age insurance for residents. Those who have participated in the "old rural insurance" and have begun to receive pensions under the age of 60 can continue to receive the original treatment, and directly enjoy the basic pension of residents' old-age insurance when they reach the age of 60; Can also stop receiving the original treatment, according to the old-age insurance system for residents to participate in the payment, personal accounts combined calculation. Those who have participated in the "old rural insurance" and have not yet reached the age of receiving, should pay and pay according to the resident pension insurance system, and their individual accounts should be merged.

(two) the connection between the residents' pension insurance and other social pension insurance systems shall be implemented in accordance with the provisions of the state and the province.

(III) The matching connection between the old-age insurance and social security for farmers whose land has been expropriated, the support policies for the later period of reservoir resettlement, the family planning reward and assistance policies, the rural five-guarantee system, social preferential treatment and the minimum living security system shall be implemented in accordance with the relevant provisions of the state and the province.

Eight, handling capacity building

Residents' old-age insurance shall be implemented as a municipal overall plan, managed by districts and cities, and handled at different levels. The city implements a unified system and policy, a unified information system platform and related business processes, a unified preparation and implementation of the budget, a unified treatment adjustment, and a unified fund management.

(1) Strengthen the capacity building of handling services. The establishment of city, district (city), street (town), village (neighborhood) four-level handling network, improve the city, district (city) two-level working institutions, according to the actual needs of the appropriate increase in staffing. Street (town) and village (neighborhood) should have one person in charge of social insurance for residents. We should make full use of modern management and service means to reduce administrative costs and improve work efficiency. It is necessary to incorporate the funds of residents' endowment insurance into the fiscal budget at the same level, and not to spend them from the residents' endowment insurance fund.

(2) Strengthen the construction of rules and regulations. In accordance with the overall requirements of standardized management and socialized service, we should formulate and improve various business management rules and regulations for residents' endowment insurance, standardize business processes, establish and improve internal control systems, fund audit systems and information disclosure systems, establish insurance publicity and inquiry systems, and establish and improve the file management system for insured personnel.

(3) Strengthen information construction. It is necessary to increase investment, establish a unified information management and service system with the state and province, and implement city-wide networking. Actively promote social security cards to facilitate the insured to pay fees, receive benefits and inquire about insurance information.

Nine, strengthen organizational leadership

People's governments at all levels should strengthen the leadership of the residents' old-age insurance, and incorporate it into the national economic and social development plan and the annual target management assessment system. Human resources and social security departments at all levels are responsible for organizing and implementing the old-age insurance system for residents. Finance, public security, disabled persons' federations and other relevant departments at all levels shall, in accordance with their respective responsibilities, do a good job in related work. The district (city) people's government shall formulate a feasible implementation plan according to this opinion and report it to the Qingdao Municipal People's government for approval before implementation.

20 10 February 23rd

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