Provisions of rural social security subsidy policy

How to participate in social endowment insurance for urban and rural residents? What about pension benefits? Can I join other old-age security systems? Regarding the issues that the masses are generally concerned about, the relevant person in charge of the office of the leading group for social endowment insurance for urban and rural residents in the province analyzed and answered the "Implementation Opinions on Establishing the Social Endowment Insurance System for Urban and Rural Residents" recently issued by the provincial government. Who can insure it? How to participate in insurance? According to the policy, all urban and rural residents who have registered in our province and have reached the age of 16 (except full-time school students), non-state organs, institutions and social group work personnel, and have not participated in the basic old-age insurance for employees can participate in the social old-age insurance for urban and rural residents at their registered residence. At present, the payment standard is set at 100 yuan per year, which is divided into five grades: 200 yuan, 300 yuan, 400 yuan and 500 yuan. All localities can add and adjust some absolute payment grades according to the amount of not less than 5% of the per capita net income of rural residents or the per capita disposable income of urban residents in the previous year. The insured can choose the payment standard independently, and pay more and get more. What is the pension treatment after insurance? According to the policy, the individual accounts of social endowment insurance for urban and rural residents include collective subsidies, government subsidies to the insured and interest income in addition to the individual contributions of the insured. After the death of the insured, in addition to government subsidies, the balance of funds in his personal account can be inherited according to law. In terms of payment subsidies, the government gives appropriate encouragement to the insured who choose higher-grade standard payment; For severely disabled people, low-income groups and other groups with payment difficulties, all or part of the subsidy will be given according to the local minimum payment standard. In order to let the insured enjoy the real treatment, our province requires the city and county (city, district) where the insured is located to subsidize the payment, and the subsidy standard is not lower than 30 yuan per person per year. Pension treatment consists of three parts: basic pension, personal account pension and payment period pension, which is paid for life. Among them, the basic pension is paid in full by the government. At present, the standard set by the province is not less than 60 yuan per person per month. In order to reflect the principle of long-term payment and more income, our province has formulated the pension policy of payment period. Pensions with payment years are linked to the length of the insured person's payment years, and are paid by installments. At present, it is tentatively set as follows: the insured who has paid less than 5 years (including 5 years) will be paid a monthly pension with the payment period according to 1 yuan/year; If the payment is over 6 years and less than 10 year (including 10 year), the monthly payment pension will be paid according to 2 yuan/year from the sixth year; If the payment exceeds 1 1 year (including 1 1 year), the pension with monthly payment period will be paid according to 3 yuan/year from 1 1 year. Insured demobilized soldiers, length of military service as payment, plus preferential payments. In addition, after the implementation of the system, the insured who has received pension benefits can enjoy a one-time funeral subsidy when they die. The standard is the 20-month basic pension amount enjoyed by the insured in the month of death. The person in charge gave an example: if the insured is 45 years old and pays 100 yuan annually and continuously pays 15 years, he will receive a monthly pension 104 yuan when he is 60 years old without interest and the current basic pension amount and government subsidy standards remain unchanged. According to the average life expectancy of 78 years in Zhejiang Province, the total amount of individual contributions is:100×15 =1500 yuan; The total pension benefits are:104×12×18+1200 (funeral expenses) = 23,664 yuan. What are the conditions for receiving a pension? Urban and rural residents in this province who have reached the age of 60 and have not enjoyed the retirement benefits of state organs, institutions and social organizations and the basic pension benefits for employees can receive pensions on a monthly basis. When the system is implemented, the elderly who meet the above conditions can enjoy the basic pension on a monthly basis without paying fees, but their children who meet the insurance conditions should pay insurance premiums. When the system is implemented, those over 45 years old and under 60 years old will be paid annually, and they are also allowed to pay back. The annual payment amount shall not be lower than the local minimum payment standard of the current year, and the cumulative payment period shall not exceed 15 years; Under the age of 45, the payment shall be made annually, and the cumulative payment period shall not be less than 15 years. How to connect with other old-age security? According to the policy, insured persons who have reached the age of 60 and received the old rural social endowment insurance pension will continue to receive the old rural social endowment insurance pension and enjoy the basic social endowment insurance pension for urban and rural residents. For the insured under 60 years old who have not received the original rural social endowment insurance pension, the original personal account should be converted into the payment period of urban and rural social endowment insurance and continue to pay, and all the original personal accounts should be merged into the personal accounts of urban and rural social endowment insurance. If the employment relationship changes, the basic old-age insurance for employees and the social old-age insurance for urban and rural residents can be converted in both directions, but they cannot be enjoyed at the same time. When the system is implemented, farmers who have participated in the basic living security for urban residents and received security funds and have reached the age of 60 can enjoy the basic pension of social endowment insurance for urban and rural residents at the same time; After the implementation of the system, eligible farmers are allowed to participate in the social endowment insurance for urban and rural residents and the basic living security for landless farmers at the same time; If land-expropriated farmers have their own requirements, they can change their basic living security for land-expropriated farmers into social endowment insurance for urban and rural residents, but "adverse selection" is not allowed. Those who meet the conditions of enjoying social endowment insurance for urban and rural residents, such as supporting policies in the later period of reservoir resettlement, minimum living guarantee, family planning reward and assistance, social preferential treatment, rural "five guarantees" and urban "three noes" personnel support, and streamlining living allowances for workers' survivors, can enjoy it at the same time.

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