Heilongjiang rural endowment insurance

Rural social security, that is, rural social insurance, including rural old-age insurance and rural medical insurance, is an old-age insurance policy that is guided by government organizations, adopts the system mode of combining social pooling with individual accounts, and adopts the financing mode of combining individual contributions, collective subsidies and government subsidies to protect farmers' basic livelihood in their later years. I'll bring you: Heilongjiang rural social security policy, Heilongjiang rural social security payment standard.

The minimum payment period of old-age insurance is 15 years, and payment must be made after 15 years.

Those who pay the old-age insurance completely in their personal capacity can only pay 15 years, and no longer pay.

Medical insurance needs to be paid for 25 years (female) and 30 years (male), and the actual payment period of the insured individual is not less than 15 years. When you reach retirement age, you can apply for pension benefits and medical reimbursement (as long as the renewal premium is normal).

The current retirement age is 60 for men and 55 for women. Of course, under special circumstances such as engaging in high-risk work and losing the ability to work, you can apply for early retirement and receive pension benefits.

Payment standard of rural social security in Heilongjiang Province

1, the old-age insurance payment can only choose 60% or 100% of the provincial social wage as the payment base, and individuals pay 20% of the payment base monthly.

Last year, the average social wage in Heilongjiang was 24,376 yuan, the monthly social wage was 20,365,438 yuan +0.33 yuan, and the individual pension insurance payment was 20,365,438 yuan +0.33 * 20% = 406.27 yuan/month (according to grade 100%), that is, 20,365,438 yuan+0.33 *.

2. The payment base of medical insurance is 100% of local social wages (medical insurance has not achieved overall planning in the whole province).

Taking Harbin as an example, the proportion of individual contributions to medical insurance is 9.5%, 6.5%, 5% and 2.5%.

Last year, the social wage was 2438.42 yuan/month. If 9.5% is paid, the monthly payment is 2438.42*9.5%+5 (large medical assistance) =236.65 yuan.

If there is a work unit, the social security shall be paid by the unit:

1. Endowment insurance: 8% for individuals and 22% for units. The payment base is my average monthly salary in the previous year. If the average monthly salary is lower than 60% of the social level of the previous year, 60% of the social level of the previous year is the base of payment; If the average monthly salary is higher than 300% of the social level of the previous year, 300% of the social level of the previous year is the payment base.

2. Medical insurance: individuals pay 2%, units pay 7.5%, and individuals and units with large medical assistance each pay 2.5 yuan. The payment base is my average monthly salary in the previous year. If the average monthly salary is lower than 100%(2438.42 yuan) of the previous year's social level, the payment base shall be 100% of the previous year's social level.