Honghezhou workers social security query personal account

Recently, the state announced the policy of rural pension payment after 60 years old, so that hundreds of millions of fellow farmers across the country to benefit, really good policy ah! Thanks to the great party ah!

"Chinese farmers will all enjoy universal state pensions after the age of 60." Hu Xiaoyi, vice minister of the Ministry of Human Resources and Social Security, said this at a news conference held on Aug. 4 while analyzing the difference between the old and new rural social pension insurance (farm insurance). At the press conference, the Ministry of Human Resources and Social Security also explained why "car accidents while commuting to and from work are not included in work-related injuries," a question raised by a reporter.

Rural pensions after the age of 60 (1)

On the issue of the new rural insurance, Hu Xiaoyi said that in the past, the old rural insurance was mainly paid by the farmers themselves, which was actually a self-saving model. And one of the biggest differences in the new rural insurance is the combination of individual contributions, collective subsidies and government subsidies, which are three financing channels. In particular, the central financial subsidies to the local, this subsidy is directly subsidized to the head of the farmers.

Hu Xiaoyi said at a news conference held by the State Council Information Office that the Chinese government has considered and adopted in principle the guidelines for the new rural insurance pilot program. The new rural insurance is designed with two parts in the payment structure: one part is the basic pension, and the other part is the pension in the individual account. The basic pension is fully guaranteed to be paid by the state treasury. In other words, it means that all Chinese farmers will enjoy a universal state pension after the age of 60. Hu said this is another major policy to benefit farmers, following the abolition of agricultural tax and the introduction of a new type of rural cooperative medical care.

Hu also said that in the first half of this year, China's reforms of various social insurance systems have progressed smoothly. The basic medical insurance system for urban residents was fully launched, and a breakthrough was made in solving the problem of medical insurance for retirees of closed and bankrupt enterprises. The adjusted monthly per capita pension of enterprise retirees reached 1,200 yuan, an increase of 110 yuan per month.

Three major problems need to be solved to unify pension insurance

According to Hu, three major technical problems still need to be solved to realize a nationally unified pension insurance transfer and succession.

According to Hu Xiaoyi, the interim measures for the national unified pension insurance transfer and succession have been open for public consultation this spring, and the situation they have is that all sectors of the society are generally in favor of it. The reason why they have to wait or be more prepared before officially launching the implementation is because there is a lot of technical preparations to be done. For example, the record of the insured's participation and payment of contributions must be clear, regardless of whether the record format is paper or electronic, and it must be uniform throughout the country, otherwise there is no way to move it throughout the country. This is a technical matter to say the least, but we started the co-ordination from the counties more than 20 years ago, forming an established pattern of systematic division, and it will take some effort to change the situation completely.

The second priority that needs to be done is to enable the transfer of funds, which will require redesigning some of the transfer-out and transfer-in accounts to ensure that the funds are safe and accurate in the transfer process.

The third thing that needs to be perfected is that after the transfer, it must be ensured that the participant, when he finally receives his benefits, will be able to calculate the cumulative pension insurance rights and interests accumulated in his employment in various places, and the formula for such cumulative calculation and mutual recognition between regions is also a very complicated task. Finally, if the insured person cannot find a job during the process of mobility, we are now adopting the method of sealing his account in his original place of employment, and when he finds a job and a place to continue, he will transfer the funds and records of his rights and interests through various methods.

50.9 billion to solve the enterprise retirement difficulties in health insurance

Hu Xiaoyi introduced, the central financial also arranged 42.9 billion yuan of special subsidies to solve the closure of bankruptcy enterprise retirees and other difficult groups to participate in health insurance. Together with the 8 billion already arranged last year, a **** arranged 50.9 billion funds to solve the historical problems. While expanding coverage, the State Council also decided to raise the level of medical protection, requiring employee medical insurance, urban residents' medical insurance and the New Farmers' Cooperative to raise the maximum payment limit based on the existing reimbursement rate, and the reimbursement rate for hospitalization expenses to be raised by an average of 5 percentage points compared with last year.

The revision of the regulations on work-related injuries insurance, which has been hotly debated in society, no longer includes motor vehicle traffic accidents on the way to and from work in the scope of work-related injuries, Hu Xiaoyi said, adding that the revision of the regulations on work-related injuries insurance has a lot of new highlights, such as expanding the scope of the implementation of the regulations, and including public institutions and private non-enterprise units in the scope of work-related injuries insurance. For example, the scope of implementation has been expanded to include public institutions and private non-enterprise units in the scope of work-related injury insurance, and the procedures of work-related injury determination and appraisal have been simplified. Originally, if the determination of work-related injuries was not accepted, it was necessary to go through administrative arbitration and legal proceedings, but now the chain has been shortened, which can avoid malicious delays by some employers. The motor vehicle accident on the way to and from work is not included in the scope of the work injury recognition of the issue, is only one of the modifications. He said the revision of the regulations on work-related injuries is still under consultation, which in itself is a process of gathering public opinion and wisdom.

But there are still a number of worrisome aspects of how to ensure the early implementation of the state pension policy for the benefit of the people.

First, the financial support is worrying. The basic pension by the state financial all guarantee payment, I am worried about the local financial can pay in full and in a timely manner. 4 trillion investment program after the implementation of the biggest problem exposed is that the local supporting funds are insufficient. If local funding cannot be guaranteed, the state pension policy will be discounted.

Secondly, is the basic pension every penny into the farmers' pockets? Previously, on the management and use of agricultural insurance funds, the State Council and the Ministry of Civil Affairs, the Ministry of Labor and Social Security and other relevant departments have repeatedly made clear provisions, but still occurred in Yunnan Province, Honghe Prefecture Civil Affairs Bureau of the former director of the Luo Licheng misappropriation of more than 6,000 million yuan of rural pension insurance fund such a scandal. Whether the basic pension can be earmarked for specific purposes and whether there is a perfect monitoring mechanism is also a test for the new rural insurance.

Third, in addition to the state's financial security, the ability to promote farmers to actively participate in the insurance policy is also related to the effect of the new rural insurance policy. To narrow the pension gap between urban and rural areas, relying only on government financial input is far from enough, must find ways to encourage farmers to pay part of the cost of personal. In the city workers have employers, can be mandatory through the law to restrain employers, but most of the farmers are self-employed farmers, there is no way to force, can only take encouragement.

Procedure flow:

Participants meet one of the following conditions, from the month after reaching 60 years of age, enjoy the new rural insurance benefits on a monthly basis: (1) according to the provisions of the contributions to the cumulative total of 15 years; (2) the implementation of the new rural insurance system, the date of the people who have reached the age of 45 years old, to reach the age of receipt of the full amount of contributions by the year; (3) the date of the implementation of the new rural insurance system, to reach the age of receipt of the contributions less than 15 years. (3) Those who have paid contributions for less than 15 years when they reach the age of receiving the New Rural Insurance System may continue to pay contributions on an annual basis, but the extension of the contribution period shall not exceed five years. If the contributions are still less than 15 years after the extension of 5 years, the difference in annual premiums will be made up in a lump sum at the rate of the last year's contributions.

According to the design of the new system, the employee's pension after retirement is divided into two parts: one is the basic pension, the monthly standard for the previous year, 20% of the average monthly salary of employees; the second is the individual account pension, the standard for the monthly payment of the accumulated reserves of the individual account 1/120.

In addition, the state for the "middleman "

In addition, the state will also give compensation in the form of excessive pensions, but the new policy has not yet clarified the formulation and payment standards for excessive pensions.

The formula for calculating the pension: the basic pension of the "middle man" = basic pension + personal account pension + transitional pension. Specific algorithm for the year before retirement the city's average monthly salary of workers × 20% (contribution period of less than 15 years according to 15%) + personal account principal and interest and ÷ 120

Example: Beijing resident Mr. Wang is a "middleman", his average monthly salary of 3,000 yuan, the pension insurance contribution period of 10 years, assuming that 10 years after the average monthly salary of Beijing is 3,000 yuan. Assuming that the average monthly salary in Beijing is 3,000 yuan after 10 years, how much pension will he receive after retirement?

After the size of his personal pension account is adjusted from 11 percent to 8 percent of his contributory salary, Mr. Wang will receive a monthly pension after retirement = 3,000 yuan × 15 percent + 3,000 yuan × 8 percent × 12 × 10 ÷ 120 + = 690 yuan.

Wherein, (3,000 yuan × 15%) is the basic pension; (3,000 yuan × 8% × 12 × 10 ÷ 120) is the personal account pension.

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