20 19 Policy Solution of Basic Old-age Insurance for Urban and Rural Residents in Julu County of Xingtai City

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

Where the county household registration, over 16 years old (except full-time students), non-state organs, institutions, social organizations and retired (retired) personnel, urban and rural residents who have not participated in the basic old-age insurance for employees, they can participate in the basic old-age insurance for urban and rural residents.

Second, the fund raising and payment standards

The urban and rural housing insurance fund consists of individual contributions, collective subsidies and government subsidies.

(1) individual payment. Urban and rural residential insurance is paid annually. Implement flexible insurance. At present, the payment standard is set at 100 yuan, 200 yuan, 300 yuan, 400 yuan, 500 yuan, 600 yuan, 700 yuan, 800 yuan, 900 yuan, 1000 yuan, 1500 yuan, 2,000 yuan and 3,000 yuan per year. According to the unified arrangement of the state and the growth of per capita net income of urban and rural residents, our county adjusts the payment grade in a timely manner.

(2) Collective subsidies. Conditional collectives can 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 central government pays the basic pension for urban and rural residents to eligible insured persons. Encourage rural young and middle-aged residents to actively participate in insurance and pay long-term fees.

If the insured pays the fees normally, the provincial and county financial subsidies for thirteen payment grades are: 100-400 yuan subsidizes 30 yuan; 500 yuan above (including) subsidies to 60 yuan. We will implement special subsidy policies for groups with payment difficulties such as severely disabled people in rural areas. The government pays the old-age insurance premium for severely disabled people in rural areas 100 yuan every year. Measures for the identification of severely disabled persons shall be implemented in accordance with the relevant provisions of the province.

Third, how to participate in insurance

The insured person holds his ID card, residence booklet and two copies thereof, and three recent one-inch bareheaded photos, and the village co-organizers organize the collective insurance procedures.

Fourth, establish a personal account.

The government establishes a personal pension insurance account with a lifetime record for each insured. Individual contributions, collective subsidies, subsidies to the insured by other economic organizations, social welfare organizations and individuals, and subsidies to the insured by local governments are all credited to personal accounts. At present, the interest on the amount stored in individual accounts is calculated by the Provincial Department of Human Resources and Social Security with reference to the one-year deposit rate of RMB in financial institutions published by the People's Bank of China, and the interest-bearing standard is published regularly every year, and the county agricultural insurance agency uniformly bears interest.

Five, enjoy the old-age insurance conditions and standards

Pension treatment consists of basic pension and personal account pension, which is paid for life.

Basic pension. The basic pension standard determined by the central government is 70 yuan per person per month, and the provincial pension is subsidized to 5 yuan.

Personal account pension. The monthly calculation and payment standard of personal account pension is the total storage amount of personal account divided by 139 (the same as the calculation and payment coefficient of personal account pension of basic old-age insurance for urban workers).

Conditions for receiving a pension. At least 60 years of age, non-state organs, institutions, social organizations, on-the-job personnel and retired (retired) personnel, who do not enjoy the basic old-age insurance benefits for urban workers, can receive monthly urban and rural residential insurance pensions.

20 10 when the new rural old-age insurance system is implemented in our county, the on-the-job and retired (retired) personnel who have reached the age of 60 and are not state organs, institutions and social organizations do not enjoy the basic old-age insurance benefits for urban workers, but can receive basic pensions on a monthly basis without paying fees. From 20 10, those who are under the age of 15 (currently 60 years old) will be paid annually, and they must pay in full to enjoy the treatment of urban and rural residence insurance, and they are also allowed to pay back, and the accumulated payment will not exceed 15. From 20 10, those who are over 15 will be paid annually, and the accumulated payment must be over 15 years before they can enjoy the urban and rural residence insurance treatment.

6. How to get a pension?

When the insured reaches the age of 60, with my ID card, residence booklet and two copies, two recent photos, and a small red background, the village co-organizer shall go through the formalities of applying for pension. Those who meet the conditions for receiving pensions will start planning to pay pensions from the next month when they reach the age of 60.

Seven, the death of the insured, how to inherit the old-age insurance?

If the insured person dies, the balance of personal account funds (the balance of personal account without receiving treatment includes personal payment, financial subsidy and interest; The balance of the personal account that has received benefits, including individual contributions, financial subsidies and interest minus the personal account pension that has been received, can be inherited according to law.

Eight, treatment adjustment

According to the relevant provisions of the state, provinces and cities and the economic development and price changes in our county, the basic pension standards for urban and rural residents will be adjusted in a timely manner.