What is the telephone number of Linzhou endowment insurance?

Although the country is ready to implement national overall planning for social security, provincial overall planning has not yet been finally realized, which is really difficult to achieve. It is recommended to consult the neighborhood Committee of the place of residence.

If you really can't buy social security, you can consider buying a commercial insurance. Nowadays, many people do this for their parents, because commercial insurance does not have the compensation problems you encounter, and the coverage is wider and more flexible, and there are no restrictions on designated hospitals and drugs.

xinhuanet

-Investigation and reflection on the problem of providing for the aged in rural areas.

an old man.

One morning before the Millennium, Wang Fengtian came out of his sesame field, and his liberation rubber shoes were covered with mud. "It rained heavily this year, the ground was wet, and sesame seeds fell. I have to help them quickly. "

Wang Toyota, 68, is a villager of group 2 in Xiaowangzhuang Village, Longcheng Town, Yancheng County. His family lives in the southernmost part of the village. Pomegranate has borne fruit in the small courtyard, and apricot trees with big leaves are flourishing. His wife is five years younger than him and is busy in the kitchen. Wang Laohan wiped the dirt off his hands and lit a "Shahe" cigarette. Facing the reporter's inquiry, he opened his mouth.

16 years old, before graduating from junior high school, Wang Toyota went to shenyang military area command as a soldier. Four years of military service has created his resolute character and given him a good posture that he enjoys so far. After demobilization, Wang Toyota was appointed as the militia battalion commander, leading a group of young people to train during the day and patrol at night. He is an important activist in the village. Life goes by like water. Watching three sons and one daughter grow up day by day, Wang Toyota has changed from a lean man to a white-haired old man. "The tree is divided, and the child is divided." A few years ago, Wang Laohan's top priority was to marry his son and find his husband's family. Three-room daughter-in-law married into the door, and the sons separated. The eldest son has been in business for many years and has made some achievements. A family of four moved to Shenzhen, and it took two or three years to meet. The youngest son works as a janitor in the county and occasionally comes back. Only the second son lives not far from himself and takes his grandson to the old man's yard almost every day. "My daughter married a pig farmer in Beicun and lived a rich life. Children are filial, grandchildren live up to expectations, the old couple are still healthy and able to work in the field. I feel that life is so wonderful and there is nothing to worry about. " Wang Toyota said.

Simomo family is not rich in Xiaowangzhuang Village, and his family is similar to his old buddy of the same age. I have been worried about my livelihood and my children all my life, and I am still busy. Not to mention the several acres of responsible farmland at home, Tian and an old chap went to Shaanxi twice to sell apples to earn their own money. Later, the village established an association for the elderly, and Wang Toyota was elected as the vice president of the association. He got together with several old buddies, and whoever quarreled with them made up, and whoever had an old buddy's birthday went to have a good time. In recent years, the economic situation in the village is getting better and better, and the quality of life of the old people is also improving steadily. "To say unfilial, don't support the elderly, which village. A little earlier, mainly because of poverty, children don't have enough to eat, let alone the elderly. It is not as good as the son saying that the daughter-in-law is a little evil, and the situation of falling, beating and swearing does exist. " Wang Toyota said, "However, the situation has been much better in recent years. Young people are busy going out to earn money. It is very useful for the old man to watch the door and take care of the children at home. Filial piety to the elderly is also good for you, which can make you feel at ease and earn money outside. Therefore, today's young people can think realistically. Several rich people in our village also reported to their parents and went to Beijing to see Tiananmen Square. "

"What if the child is disobedient and unfilial?" Facing the reporter's questioning, Wang Toyota smiled. "He is unfilial and depends on himself. I can do it now, and the crops are not bad. I can support myself. "

"What if you are a little older and your body suffers from spending money?" Wang Toyota pondered for a long time and pressed out the cigarette butt on the blue brick. "If you really don't move in bed that day, you can't count on children. The old couple have worked all their lives and saved thousands of dollars to support the elderly and save lives. I haven't thought of other ways, and I can't think of it. "

Later in the morning, Wang Toyota's wife served noodles with lobster sauce and garlic sauce. Wang smiled and said, "Comrade reporter, you think too deeply. If you ask me, it is a good day to eat good noodles. "

Side note: There are 7.49 million Toyota elderly in Rainbow over 60 years old in rural areas of Henan Province. According to national regulations, farmers, like urban residents, should be regarded as incapacitated after reaching the age of 60. Urban workers can retire at the age of 60 and enjoy their old age. However, many elderly people in rural areas are still cultivating themselves, creating benefits with their own labor and solving their own sources of livelihood, which is commendable.

Relevant information provided by the Provincial Department of Civil Affairs shows that at present, 92.7% of the rural elderly in Henan Province have been guaranteed basic living conditions such as food, clothing, housing and transportation. About 15.4% of them are self-reliant. Most of these elderly people are young and healthy, have certain labor ability or technical expertise, and rely on farming to engage in some aquaculture and agricultural and sideline products processing to ensure their livelihood. Most of the rest depend on their children. Generally speaking, they are older, physically ill and partially or completely disabled. They can still do some simple agricultural work, but the value they create can no longer meet their own needs, and they mainly rely on their children to support them.

A village

Even on the administrative map of Yancheng County with the scale of 1∶55000, Xiaowangzhuang Village in Longcheng Town is just a circle the size of mung beans. There are 3 15 households 1346 people living in the village, and there are more than 60 people over 60 years old.

Zhao Zifu, the village party secretary, said: "Anzhuang only has 1080 mu of land, with an average of only eight points per capita. If there is no Roger (Luoyang-Jieshou) highway, it is difficult to farm and eat. " Xiaowangzhuang village is small, with few people and little brains. At the beginning of reform and opening up, the villagers here turned to small businesses. Roger Highway passes through the village, and the price of facade houses is increasing year by year. Many families have built two-story buildings, with people living above and people renting below. The benefits brought by convenient transportation are not limited to these. With the improvement of living standards in rural areas, the demand for fruits is increasing. Several daring villagers made money by trafficking apples from Shanxi and Gansu. Everyone is optimistic about this business and has entered. In just a few years, Xiaowangzhuang has become a well-known apple wholesale distribution center, and small business has become a big climate. Last year, the per capita net income of Xiaowangzhuang Village exceeded 3,300 yuan, and the lives of ordinary people improved day by day.

In recent days, apples from other places have been delivered one after another, and all the old people who can do manual work in the village ran to the village to help unload the car. Old people regard this as a way to exercise and earn a lot of fees every year.

Wei Guiyun, 53, speaks quickly. "My village, especially in recent years, has a good atmosphere. Basically, I have never heard of anyone whose children are unfilial and abuse the elderly. My mother is 92 years old and still in good health. All the men and women in the village were watching, afraid to speak loudly to the old man. Everyone also said that it is the glory of the village to fight for my mother to live to 100. " Wang Ran, a 60-year-old daughter-in-law from another village, became a grandmother a few years ago. She said: "Xiaowangzhuang has a good atmosphere, and everyone consciously abides by the village rules and regulations. That year, the daughter-in-law surnamed Zhang was not good to the elderly. The whole village ignored her and looked down on her, making her look down. As long as the atmosphere is positive, we are not afraid that those who are not naughty will not become a climate. "

Ying Qiuhua, a villager, went on to say, "In fact, rural people all have the psychology of keeping up with the joneses. If a family is not good to the elderly, it will bring several children with it. There are many reasons for this. Some are because the separation is too biased towards the elderly, some are because the living habits are wrong, and some elderly people have found wives and married twice, and their children are ashamed to enter the elderly family. These things are not from our village, but I heard that they are also available in other places. "

"Poor people live a life of Pepsi, and everything is fine when they are full". Nowadays, there are no worries about food and clothing, and there are also many discordant notes in the life of Zhuang families. Even if there are occasional elderly people who have been ill in bed for many years and their children are impatient, the village will organize village cadres and members of the elderly association to do ideological work at home. At the end of the year, ten-star civilized households were evaluated, and filial piety for the elderly was also a hard indicator. Whoever loses a star, relatives and neighbors will have opinions and rhetoric. "In recent years, we have also signed a support agreement to let families with elderly people write letters of responsibility. We just didn't do this thing in the past two years, and everyone volunteered. The power of traditional morality actually played the biggest role in it. " Zhao Zifu said.

Two years ago, 57-year-old Jiao Jianzhong formed a waist drum team. She said, "It turns out that there is a little grandson at home who has grown up and doesn't need someone to follow him every day. I am a rural husband's family, and my family is uncomfortable. Several good friends discussed it together and thought about setting up a waist drum team. A person spent 100 to buy musical instruments and clothes, and went to the threshing floor after dinner, full of energy and healthy. Which family has weddings and funerals, we also go to help, which is very popular. People from other villages began to invite us to perform. " Today, there are 30 members of the waist drum team in Xiaowangzhuang Village, all of whom are older. Now, girls and kannika nimtragol in their twenties and thirties have joined them.

As the vice president of the Association for the Aged, Simomo Tianhe and a group of old guys are actively applying to the county office for the aged to build a croquet field in the village, and things have already taken shape. "It's interesting to watch the old people in the city play gateball, and we farmers are willing to play something new." Wang Toyota said: "Watching TV or gossiping at night makes me feel very wronged." Exercise more bones and muscles, and you can live longer. "

To the south of the courtyard of the village committee are four houses with white walls and tiles. Zhao Zifu said that this is a nursing home in Xiaowangzhuang Village. Originally, it was intended to let the four "five guarantees" old people in the village move here, but on the one hand, it was difficult for some poor families to give up, on the other hand, after the tax and fee reform, there was no special fund for nurses and cooks in the village, and the house had been idle. One of the "five guarantees" elderly people has entered the township nursing home, and three have relatives to help and land. It is not a problem for the village group to feed them every year and live safely.

In the west of the village, I met a 74-year-old "three noes" old man, Zhao Guoren, who was helping his 78-year-old brother farm. Zhao Zifu said: "The leaders of the county civil affairs bureau have said that the five-guarantee households scattered in the village like him will give a monthly subsidy of 100 yuan from next year, which is a large sum."

Side note: Xiaowangzhuang's economic development level is above average in Longcheng Town. It is a typical plain agricultural village, and most of the elderly in the village have been well supported. The situation in other parts of Henan Province is generally similar, mainly because farmers' income has increased greatly since the household contract responsibility system was implemented in rural areas. With the improvement of the overall living standard of farmers, the life of the elderly has also been greatly improved.

The traditional virtue of respecting the elderly of the Chinese nation has far-reaching influence. In addition, in recent years, the publicity and implementation of the rights and interests of the elderly and laws and regulations have also improved people's awareness of providing for the elderly and legal awareness. The vast majority of children are filial or relatively filial, not only supporting the elderly economically, but also taking care of the elderly in life, with harmonious families and harmonious intergenerational relations.

In addition, this generation of old people came from the old society and experienced wars and famines, so they cherish the good life now. They often maintain a hard and simple lifestyle. As long as they have food and clothing, they don't have high requirements for the so-called quality of life.

The "three noes" elderly people who have no ability to work, no dependents and no financial resources account for 4% of the rural elderly in Henan Province, and more than half of them are also included in the "five guarantees" support, and their lives are stable.

sanatorium

Moon Gate, oleander, red brick road, the small courtyard about one kilometer west of the town government, is the location of the nursing home in Longcheng Town. Wan, director of civil affairs, said, "We just moved here less than two months ago. This used to be a township health center, and the nursing home needs to be re-invested after use. Kitchen, shower room and health room will be built, which is estimated to be completed by the end of 10. At that time, Xiangxiang Nursing Home could receive more than 80' five guarantees' elderly people, and the hardware should be said to be good. "

At present, there are 20 elderly people living in nursing homes. The youngest of them is 69 years old, and the oldest is Susan Wang, 97 years old. Li Aizhi, who has worked 15 and is over retirement age, said: "The government takes care of food and shelter, and there are special care workers who are responsible for their daily lives. It can be said that these old people live better here than at home. Many old people can live to be 80 or 90. If you retire at home, I am afraid that these people have long since disappeared. "

Old people live in the same room, except for changing clothes, and everything else is rationed by the government. If you are in good health, you can help feed two pigs, raise some sheep and change your living expenses. Before all the work in the nursing home was fully in place, 69-year-old Zhao Shangwo temporarily served as a cook. There are bags of flour in the kitchen, and flies are flying in the air. Lunch is a big pot of noodles, sprinkled with a few corn dishes, no oil and water, but the supply is guaranteed. "There is a lot of meat in the refrigerator in the backyard." Zhao Shangwo said: "Occasionally, we can eat meat and improve our lives."

Old people in nursing homes basically have no children, and few people visit them except staff on weekdays. These experienced old people are satisfied with a place to live and a full meal. Sometimes the village will sing big plays, and they can also move small benches to join in the fun. Li Aizhi gave me medicine and an injection when I met a minor illness of headache and brain fever. If it is a serious illness, the nursing home will contact the village group where the elderly are located to ensure the expenditure of medical expenses. "After the reform of taxes and fees, the funds for the five guarantees were spent together from the additional taxes based on villages, and the additional taxes were often not collected. The province stipulates that every old person spends 1300 yuan a year, but it is not bad to implement half. " Wan said: "when there is no way, we can only borrow money from the town government, but this is not a long-term solution." We also want to improve the quality of life of the elderly, but the funding problem is really a headache. We are more than willing, but we are unable. "

"If there are more than 200 people in the township who meet the requirements of the' five guarantees', even if they are fully utilized after completion, the nursing home can only afford the centralized support of the township 1/3 five guarantees." Li Aizhi said: "Most of the scattered five-guarantee households are still in charge of the village group. There is nothing we can do about their life care, house maintenance, disease treatment, funeral after death and so on. It all depends on the ability of the village group and the economic strength of the village. Originally, the town considered running some hospitals to run the economy, but there was no start-up capital, so it stayed there. We also hope that there are good ways to pay more attention to nursing homes and do more practical things. "

Side note: According to the statistics of the Provincial Civil Affairs Department, there are currently more than 330,000 rural five-guarantee recipients in the province, accounting for 4.26% of the agricultural population in the province. Five guarantees support more than 30,000 people, accounting for only 10% of them. Most of the five-guarantee households are either scattered or uninsured. At present, there are 2020 township-run nursing homes and 172 village-run nursing homes in the province, which are short of funds to varying degrees.

Before the reform of taxes and fees, the local government exempted most of the agricultural taxes, rural overall planning and village retention, as well as various fund-raising. After the reform of taxes and fees, they have to pay taxes on the same basis as other young and middle-aged laborers, which makes it more difficult for them to support themselves.

The nursing home is an important position in the rural social security system. With the acceleration of an aging society, the role of nursing homes will become more and more important. However, after the reform of taxes and fees, the disposable financial resources at the village level have fallen sharply, and it is difficult to implement the transfer payment funds at the village level and the five-guarantee support funds. Township nursing homes in many places are as embarrassed and helpless as Longcheng Town. Moreover, the gap between regions in Henan Province is obvious. In some places with poor economic foundation, there are often many five-guarantee recipients, and the burden on the masses is heavy, which is not conducive to poverty alleviation in local rural areas.

Problems to be solved urgently.

The key to building a well-off society in an all-round way and striving to realize the rise of the Central Plains lies in farmers, agriculture and rural areas. Farmers are difficult, and rural elderly people are even more difficult.

At present, the rural pension situation is generally good, which benefits from the steady and rapid economic and social development in Henan Province in recent years. The elderly have also enjoyed the convenience and benefits brought by modern civilization entering the countryside, and the conditions of food, clothing, housing, use and burial have been greatly improved. On the other hand, the strength of China's traditional morality supports the basic stability of rural pension. The lack of support and abuse of the elderly is only an individual phenomenon, and the basic rights and social respect that the elderly should enjoy can be guaranteed. Basically, all localities can provide the elderly with a sense of security and medical care. Some places have also put forward the concept of "a sense of worthiness and happiness for the elderly", and Party committees and governments at all levels have also paid enough attention to it. However, it must be noted that there are also many problems in rural old-age care.

Zhao Yumin of the Social Welfare Department of the Provincial Civil Affairs Department said: "The most fundamental reason is the poor self-care ability of the elderly in rural areas. The efficiency of agricultural industry is low, farmers accumulate less, and pension accumulation is even less. More than 96% of rural old-age care should follow the long-standing family old-age care method. Once the bondage of traditional morality is weakened, with the implementation of rural family planning policy and the shrinking of family size, the rural old-age security system and the elderly welfare service industry have not formed a climate, and the rural old-age care problem will appear. In addition, in recent years, the process of urbanization has accelerated, rural youth labor force has flooded into cities, and rural aging has accelerated. This requires us to pay attention to the problem of rural aging and come up with a set of effective methods. "

Another important issue is that, as a very important part of the rural social security system, after the reform of taxes and fees, the financing method and working system of the five-guarantee work have undergone fundamental changes. Because there is no specific regulation on the proportion of village-level tax-attached expenditure, the transfer payment from township finance to village-level is often not in place, and it is difficult to implement the five-guarantee fund. In some places, there is even a phenomenon of "having but not guaranteeing, ensuring but not excellent". The living standard of the "three noes" elderly in rural areas is not high, and it will be difficult to maintain their basic living needs if the support funds are not in place.

"Increase the publicity of laws and regulations for the elderly, and enhance the people's awareness of respecting, helping and supporting the elderly; Do a good job in the construction of the elderly association in the village, commend the advanced and lash the backward. We can all do these jobs. " Yuan, director of Yancheng County Office for Ageing, said: "However, to fundamentally solve the problem of rural old-age care, it is necessary to study and formulate a rural old-age insurance system, and combine it with land security, family old-age care and social assistance to create a safety net to ensure the basic livelihood of the elderly in rural Henan."

The 16th National Congress of the Communist Party of China proposed, "Where conditions permit, explore the establishment of rural pension, medical insurance and minimum living security system." This has pointed out the direction for Henan Province to do a good job in rural old-age care. Although it has been brewing for a long time, it has not been able to enter the specific operation stage, further increasing the gap between urban pension and rural pension. And from the perspective of future development, it is imperative to establish a unified rural social endowment insurance system in urban and rural areas.

"Jiangsu, Zhejiang, Guangdong and other economically developed areas have gradually developed rural social endowment insurance and gained some mature experience." Dr. Yin Jun from the Social Security Research Center of Wuhan University said: "Only by adhering to the principle of voluntariness and encouraging farmers to participate in endowment insurance through collective subsidies and policy guidance can social endowment insurance develop healthily and sustainably."

Side note: According to the survey data of the Civil Affairs Department of Henan Province, more than 85% counties and districts in Henan Province have established or initially established the rural social endowment insurance system, and this policy is gradually being recognized and accepted by farmers. With the development of rural economy in Henan Province, it is entirely possible to gradually establish a rural social endowment insurance system combining government guidance and voluntary participation in areas where the problem of food and clothing for the masses has been solved and rural grassroots organizations are relatively sound.

Linzhou and other counties and cities in Henan Province have made many useful attempts since 1995. At present, 6.5438+0.6 million farmers in Linzhou have participated in the rural social endowment insurance, and the social coverage rate is 654.38+0.8%. The accumulated premium fund reached 57 million yuan, and 2,900 people began to receive pensions, with a total payment of 580,000 yuan. Pensions are issued by local financial institutions, and their management is relatively standardized.

From this point of view, using the old-age insurance system to build a "nursing home without walls" in the vast rural areas of Henan Province will have far-reaching significance for solving the "three rural issues" and coordinating urban and rural development.

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