How to handle, pay and receive the endowment insurance for urban and rural residents in Huaining

Endowment insurance for urban and rural residents is a social security system implemented by the government to ensure the basic life of urban and rural residents when they are old. Endowment insurance for urban and rural residents is a general term after the integration of new rural social endowment insurance and urban social endowment insurance, and its content is basically consistent with "new rural endowment insurance" and "urban residential insurance". Welcome to read the latest policy of 20 17 basic old-age insurance for urban and rural residents.

The latest policy of basic old-age insurance for urban and rural residents 20 17

1. What is the endowment insurance for urban and rural residents? Is it the same as the original "new rural insurance" and "urban residential insurance"?

A: The endowment insurance for urban and rural residents is a social security system implemented by the government to protect the basic life of urban and rural residents in their later years. Endowment insurance for urban and rural residents is a general term after the integration of new rural social endowment insurance and urban social endowment insurance, and its content is basically consistent with "new rural endowment insurance" and "urban residential insurance".

2. What are the benefits of endowment insurance for urban and rural residents?

Answer: ① Guarantee the basic life after old age and realize a sense of security; (2) reducing the burden of child support; (3) increasing family income; ④ Promote social harmony and stability.

3. Who can participate in the basic old-age insurance for urban and rural residents?

Answer: All urban and rural residents who have reached the age of 16 (excluding students at school), staff of non-state organs and institutions and employees who are not covered by the basic old-age insurance can participate in the basic old-age insurance for urban and rural residents.

4. How to insure?

Answer: All eligible urban and rural residents should bring their household registration books and resident identity cards (or household registration certificates) and other related materials to the village (neighborhood) committee or township people's social center where their household registration is located to go through the insurance procedures.

5. What is the basic old-age insurance payment standard for urban and rural residents and how to pay it?

A: Urban and rural residents who participate in the basic old-age insurance for urban and rural residents should pay the old-age insurance premium according to the regulations. The payment standard is 100 yuan per person per year, and 12 files include 200 yuan, 300 yuan, 400 yuan, 500 yuan, 600 yuan, 700 yuan, 800 yuan, 900 yuan, 1000 yuan, 1500 yuan and 2000 yuan. The insured can choose the payment grade independently, and within one year, after the payment grade is determined, it will be paid in one lump sum.

6. What preferential policies can the insured of the basic old-age insurance for urban and rural residents enjoy?

A: If the insured person pays the fee in time every year, the government will give the payment subsidy.

7. Who can get a pension?

A: Anyone who has participated in the basic old-age insurance for urban and rural residents and has reached the age of 60, but has not received the basic old-age insurance benefits for employees and the retirement fees and living expenses stipulated by the government, can receive the basic old-age pension for urban and rural residents: ① Persons who have reached the age of 60 when the new rural insurance or urban residence insurance system is implemented; (2) When the new rural endowment insurance or urban residence insurance system is implemented, those who have reached the age of 45 and under the age of 60 will be paid annually; (3) When the new rural endowment insurance or urban residence insurance system is implemented, the accumulated payment is 15 years for those under 45 years of age.

8. What can I do to get a pension?

Answer: All eligible urban and rural residents who apply for a pension should bring their household registration book, original ID card (or household registration certificate), bank passbook and other materials to the village (neighborhood) committee where their household registration is located before the month of their age 10, and start to receive a pension the next month.

9. How much is the basic old-age insurance pension for urban and rural residents and how to calculate it?

A: The basic old-age insurance pension for urban and rural residents consists of basic pension and personal account pension, which is paid for life. The basic pension is paid according to the standard determined by the state, and the monthly standard of personal account pension is calculated and paid according to the total storage amount of personal account divided by 139.

10. How is the personal account formed?

A: The social insurance agency establishes a personal account for nursing home insurance with a lifetime record for each insured person. Individual contributions, collective subsidies (other subsidies) and government payment subsidies are all credited to individual accounts.

1 1. Will interest be calculated on the balance of personal account?

A: Yes. The amount stored in individual accounts shall bear interest according to the provisions of the state.

12. How to deal with the personal account after the death of the insured?

A: Pensions will be stopped from the month after the death of the recipients of basic old-age insurance for urban and rural residents, and the balance of their personal accounts can be inherited by the designated beneficiaries or legal heirs according to law.

13. Will the basic pension be adjusted in the future?

A: People's governments at all levels increase basic pensions according to local economic development. At the national level, the normal adjustment mechanism of basic old-age insurance for urban and rural residents will be gradually established.

14. Can I check personal insurance information?

A: Yes. As long as the insured person has gone through the registration formalities and paid the social insurance premium according to law, he has the right to inquire about the payment records and personal account records and enjoy the consultation on the basic old-age insurance for urban and rural residents provided by the social insurance agency.

15. What is payment interruption? Can I make up the payment after it is interrupted? Can I still enjoy government subsidies after paying back?

Answer: If the insured fails to pay the endowment insurance premium before the end of each year, the payment will be suspended in that year. If the insured person interrupts the payment, he can pay it back across the year, but if the old-age insurance premium is paid back, the government will not subsidize it.

16. What preferential policies can severely disabled people and other groups with payment difficulties enjoy when they participate in the endowment insurance for urban and rural residents?

Answer: The county (district) people's government shall pay the fee according to the standard of not less than 100 yuan. Conditional counties (districts) can raise the payment standard.

17. How to deal with the basic old-age insurance relationship between urban and rural residents when the insured's household registration changes?

Answer: Those who have participated in the basic old-age insurance for urban and rural residents and moved into the household registration during the payment period can apply for the transfer of the old-age insurance relationship at the place where they moved in, and continue to pay for the insurance according to the regulations of the place where they moved in; Has received the basic old-age insurance benefits for urban and rural residents in accordance with the regulations, the old-age insurance relationship does not transfer.

18. Originally, the payment was made according to the grade of 200 yuan every year, but now the family income has increased. This year, I plan to pay according to the grade of 500 yuan every year. How should I handle this matter?

A: This situation belongs to the change of payment grade. The change of payment grade needs to be declared before payment, and the application for change will take effect in the following year. The procedure is as follows: bring the household registration book, ID card (or household registration certificate), bank passbook (card) and other documents to the village (neighborhood) Committee where the household registration is located. You can also hold the relevant materials examined and sealed by the village (neighborhood) Committee, and go directly to the township people's social center to go through the relevant formalities of payment change registration.

19, surrender conditions and required materials

Answer: After receiving the social security pension, please bring the social security invoice, ID card and social security card (or credit union passbook) to the village committee to fill in the cancellation form and stamp it, then go to the town people's society to verify the payment amount, and finally go to the county agricultural insurance bureau for surrender. The premium will be refunded to your personal account in 1-3 months, without cash refund.

20. How do recipients of basic old-age insurance for urban and rural residents qualify?

Answer: The insured persons of the basic old-age insurance for urban and rural residents should receive the qualification certification from March to June every year. The treatment recipients of local household registration are certified by the staff of the Township People's Social Center and the village (neighborhood) co-organizers. Recipients living in different places will be sent by the county-level social security agency where their household registration is located. The Certificate of Qualification for Receiving Old-age Insurance for Urban and Rural Residents Living in Different Places in Jiangxi Province will be filled out by the recipients, and will be sent back to the county-level social security agency where their household registration is located on schedule after being audited and sealed by the township people's social center or the county-level social security agency where they live. The county-level social security institutions where the household registration is located will suspend the payment of pensions to those who fail to pass the qualification certification from July, and reissue and renew the pension insurance benefits from the month of suspension after completing the relevant procedures.

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