What are the new policies for rural social security and endowment insurance?

There will be some changes in national policies every year. Everyone knows that the countryside is a place that needs support. The economic development here is very slow, and people have few sources of income. Some old people don't have enough money to eat when they are old, so it is very comparative to understand national policies. Let's take a look at the new policies of rural social security and endowment insurance.

I. Basic principles

The new rural endowment insurance should hold high the great banner of socialism in China, take Deng Xiaoping Theory and Theory of Three Represents as the guidance, thoroughly implement Scientific Outlook on Development, accelerate the establishment of social security system for urban and rural residents, and gradually solve the problems of rural residents. The basic principle of the new rural insurance pilot is "basic, wide coverage, flexible and sustainable". First, starting from the rural reality, the starting point should be low, and the financing standards and treatment standards should be adapted to economic development and affordability; The second is the reasonable sharing of responsibilities among individuals (families), collectives and governments, as well as the corresponding rights and obligations; Third, the combination of government-led and farmers' wishes will guide rural residents to take out insurance generally; The fourth is to ensure that the central and local governments formulate specific measures to implement the basic principles and main policies of territorial management of insured residents.

Second, the mission objectives

Explore the insurance system that combines individual contributions, collective subsidies and government subsidies, implement social pooling and individual accounts, social security policies such as family pension, land security and social assistance, and measures for rural residents to ensure the basic livelihood of the elderly. In 2009, there were 10% counties (cities, districts and banners) in the experimental area. Since then, the pilot projects have been gradually expanded throughout the country, and by 2020, the full coverage of rural school-age residents will be basically realized.

Third, the scope of insurance.

Rural residents who have reached the age of 16 (excluding students at school) and have not participated in the basic old-age insurance for urban workers may voluntarily participate in the new rural insurance at their domicile.

Fourth, raise funds.

The new agricultural insurance fund consists of individual contributions, collective subsidies and government subsidies.

(1) individual payment. Rural residents who participate in the new rural old-age insurance shall pay the old-age insurance premium according to the regulations. 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 increase the payment grade according to the actual situation. Insured people choose their own grades to pay, and pay more. The state adjusts the payment grade according to the growth of per capita net income of rural residents.

(2) Collective subsidies. Conditional village collectives shall 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 government pays the insured who meets the basic pension conditions of the new rural insurance in full, in which the central government gives full subsidies to the central and western regions and 50% subsidies to the eastern regions according to the basic pension standards determined by the central government.

The local government subsidizes the insured, and the subsidy standard is not lower than the 30 yuan per person per year, and may appropriately encourage the selection of high-grade payment standards. The specific standards and measures shall be decided by the people's governments of all provinces (autonomous regions and municipalities). Local governments will pay part or all of the minimum pension standard for severely disabled people in rural areas.

Five, the establishment of personal accounts

The state establishes a personal pension insurance account with a lifetime record for each new rural insurance participant. 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 amount stored in personal accounts bears interest every year with reference to the one-year RMB deposit rate of financial institutions announced by the People's Bank of China.

Sixth, pension benefits.

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

The basic pension standard set by the central government is 55 yuan per person per month. All localities can raise the basic pension standard according to the actual situation. For rural residents who have paid for a long time, the basic pension can be appropriately increased, and part of the increased and increased funds will be paid by local finance.

The monthly calculation and payment standard of personal account pension is the total amount of personal account divided by 139 (the same as the current calculation and payment coefficient of personal account pension of basic old-age insurance for urban employees). When the insured dies, the balance of personal account funds can be inherited according to law, except for government subsidies; The balance of government subsidies is used to continue to pay the pensions of other insured persons.

Seeing the introduction of the endowment insurance policy in the above article, we all know that endowment insurance accounts for a large proportion in our future life. Endowment insurance is a policy that benefits the people very much. We must buy more such insurance when we are young. When we are old and have no financial resources, we can still live on it!