Rural Social Security in Nanchuan District of Chongqing

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Chongqing has issued the Notice of Chongqing Municipal People's Government on the Pilot Work of Social Endowment Insurance for Urban and Rural Residents, which is the concrete embodiment of Chongqing's implementation of Scientific Outlook on Development and the construction of a harmonious socialist society, and is an inevitable requirement for promoting the construction of an experimental zone for comprehensive reform of urban and rural areas and ensuring the basic livelihood of urban and rural residents for the elderly.

I. Significance of establishing social endowment insurance for urban and rural residents.

The establishment of residents' old-age insurance in our city is the concrete embodiment of implementing Scientific Outlook on Development and building a harmonious socialist society, and it is an inevitable requirement to promote the construction of the experimental zone for comprehensive reform of urban and rural areas and ensure the basic livelihood of urban and rural residents after they get old.

Second, the basic principles of social endowment insurance for urban and rural residents.

According to the basic principle of "basic, wide coverage, flexibility, portability and sustainability", we will establish and improve the basic living security for the elderly of urban and rural residents that is compatible with the level of economic development and connected with other social security systems.

Social endowment insurance system for the purpose. First, proceed from reality, start at a low level, and the standards of financing and treatment should be compatible with economic development and the affordability of all parties; Second, individuals (families), collectives and governments should share responsibilities reasonably.

Rights correspond to obligations; Third, the combination of government-led and residents' wishes will guide residents to participate in insurance generally.

Three, the pilot steps of endowment insurance for residents in our city.

In 2009, pilot projects were carried out in Wanzhou District, Qianjiang District, dadukou district, Jiulongpo District, Nan 'an District, Beibei District, Hechuan District, Yongchuan District, Nanchuan District, Tongnan County, liangping county, Dianjiang County, Wulong County, Wushan County and Youyang County, and all counties (autonomous counties) were covered by 20 12.

4. Who can participate in the old-age insurance for Chongqing residents?

The following persons with household registration in our city may voluntarily participate in the old-age insurance for residents:

(1)1rural residents over 6 years old;

(2)/kloc-urban flexible employees over 0/6 years old;

(3) Persons over the age of 60 who have not enjoyed the treatment of urban basic old-age insurance (retirement).

Full-time students and those who have received basic pensions, retirement benefits or pension benefits on a monthly basis are not allowed to participate in residents' old-age insurance; Those who have participated in the basic old-age insurance for employees of urban enterprises, the old-age insurance for migrant workers and the old-age insurance for institutions and institutions will no longer participate in the old-age insurance for residents at the same time.

5. How to declare the endowment insurance for Chongqing residents? Where can I get the old-age insurance for residents?

Urban and rural residents who meet the insurance conditions and voluntarily participate in the residents' old-age insurance shall declare to participate in the residents' old-age insurance at the township (street) social security service where the household registration is located with their ID cards and household registration books. Due to special circumstances

If I can't declare directly, I can also entrust the village committee (community neighborhood committee) where my household registration is located to go to the township (street) social security service office with the client's resident ID card (photocopy), household registration book (photocopy) and written power of attorney.

Go through the insurance registration formalities.

6. Is there a difference between people of different ages participating in the residents' old-age insurance policy?

Insured people of different ages apply different policies. In this regard, the pilot is divided into three categories according to different ages: young people, middle-aged people and the elderly.

Youth refers to the urban and rural residents who have reached the age of 16 in the month when the pilot is carried out in the county (autonomous county) where their household registration is located, but not more than 45 years old (including 45 years old).

Middle-aged people refer to urban and rural residents who are over 45 years old and under 60 years old in the counties (autonomous counties) where their household registration is located.

The elderly refer to urban and rural residents who have reached the age of 60 or above in the month when their household registration was carried out and have not enjoyed other basic old-age insurance (retirement) benefits. In 2009, the age of population aged 60 and above in pilot counties (autonomous counties) was defined as August 3, 20091.

The date of birth of the insured is subject to the date of birth recorded in my resident ID card.

Seven, young people's insurance policy

(1) payment composition

1. Personal payment

At present, the annual payment standard for young people is 100 yuan, 200 yuan, 400 yuan, 600 yuan and 900 yuan, which I choose voluntarily and pay annually. The payment grade selected and declared in that year must be paid off within that year.

If it is indeed due to diseases, disasters and other reasons that the payment cannot be made on time in the current year, it may apply for payment in the next year according to the regulations, and no payment will be made after the deadline.

2. Collective subsidies

Conditional village collectives shall give subsidies to the insured, and the subsidy standard shall be determined by the villagers' committee. Encourage other economic organizations, social welfare organizations and individuals to provide financial support for the insured.

3. Government subsidies

After the young people pay the old-age insurance premium in accordance with the regulations, the individual account will be subsidized by the government to 30 yuan every year (for example, if an insured person chooses the payment grade 100 yuan, the government will subsidize 30 yuan after paying the fee.

Yuan, the amount of his personal account in the current year after the subsidy is 130 yuan). Among them, for severely disabled people whose disability level reaches 1 and 2, the government pays the old-age insurance premium in 40 yuan every year (for example, a severely disabled insured person).

Member, the payment grade I chose was 100 yuan, and then the government remitted it to 40 yuan, and I only paid it to 60 yuan. After the payment was paid off, the government subsidized 30 yuan, and his personal account amount was still 130 yuan).

Individual contributions, collective subsidies, subsidies from other social and economic organizations, and government payment subsidies all enter individual accounts and bear interest according to regulations.

(2) Conditions for receiving the basic pension

Those who have reached the age of 60 and the payment period has reached 15 or above will receive the basic pension on a monthly basis from the month after reaching the age of 60.

(3) How to calculate the basic pension?

Basic pension consists of basic pension and personal account pension.

Basic pension: At present, it is 80 yuan per person per month, which is adjusted in time with economic development and price index.

Personal account pension: the accumulated amount of my personal account (including interest) divided by 139 months.

(four) how to deal with the old-age insurance premiums paid by young people who died before receiving the basic pension on a monthly basis?

Residents' pension insurance agencies will return the accumulated principal and interest of the deceased's personal account (excluding government subsidies) to the designated beneficiary or legal heir in a lump sum according to regulations, and terminate the pension insurance relationship at the same time.

I hope I can help you.