Lishui and rural pension insurance

Temporary measures for rural social pension insurance in zhejiang province

Chapter 1 general provisions

Chapter 2 scope of insurance, the object

Chapter 3 payment of pension insurance premiums

Chapter 4 payment of pension insurance benefits

Chapter 5 management of the fund, the use of the fund

Chapter 6 management organization

Chapter 7 bylaw

All provinces, autonomous regions, municipalities directly under the central civil affairs department (bureau) of each planned city civil affairs bureau. >

Provinces, autonomous regions, municipalities directly under the Central Civil Affairs Department (Bureau), the municipal civil affairs bureau:

Zhejiang Provincial People's Government attaches importance to the rural social old-age pension insurance, the work as an important supporting measures for the establishment of the market economic system, requiring governments at all levels to adhere to the positive and steady approach to grasp the good. Following the May 1993 issued "on the establishment of rural social pension insurance system notice" (zhejiang government issued 〔1993〕 117), and recently issued "on deepening the reform of the social insurance system notice" 〔Zhejiang government 〔1993〕 14〕 promulgated "zhejiang province rural social pension insurance interim measures" (zhejiang government issued 〔1995〕 4), to determine that the rural old-age pension insurance by the civil affairs departments responsible for the organization and implementation, and in the insurance scope, the insurance, and the social insurance system. Organization and implementation, and in the scope of insurance, the implementation of the object, the form of contributions, the collective subsidy standards, as well as tax reduction and exemption policies, etc. have made clear, specific provisions, thoroughly rationalize the working relationship for the further development of this work, the development of specific preferential policies to provide a basis. At the same time, the zhejiang provincial government also asked the rural social pension insurance to take a differentiated approach, the first easy and then difficult approach, focus on township and village enterprises (including private enterprises, joint-stock cooperative enterprises, three-funded enterprises) employees and other wage earners of the basic old-age insurance work. The People's Government of Zhejiang Province "on the issuance of" Interim Measures for Rural Social Pension Insurance in Zhejiang Province "notice" forwarded to you. I hope that the conditions of the region to learn from their practices, combined with local realities, and urgently do a good job of legislation, and gradually rural pension insurance work into the legalization of the construction of the track.

The People's Government of Zhejiang Province on the issuance of "Interim Measures for Rural Social Pension Insurance in Zhejiang Province"

Zhejiang Zheng Fa [1995] No. 4 January 8, 1995

Municipal and county people's governments, Lishui District Administrative Office, and units directly under the provincial government:

The Provincial Government's "Notice on the Establishment of a Rural Social Pension Insurance System" (浙)（Zhejiang Government issued [1993] No. 117) has been issued in May 1993 to implement the "Interim Measures for Social Pension Insurance in Rural Areas of Zhejiang Province" is issued to you, please take into account the actual situation in your localities and conscientiously carry out the implementation.

Establishment of rural social old-age insurance system, from the actual situation in the province, advocating family security, combined with community support, the state to support the policy. At the same time, to adapt to the level of development of the rural economy, the collective economy and the affordability of farmers, adhere to the principle of the masses voluntary, and actively guide and promote the gradual establishment of the province's rural savings and accumulation of social pension insurance system.

Rural social pension insurance work by the civil affairs department is responsible for, and organization and implementation. Some departments have already carried out social pension insurance in the countryside, the status quo is still maintained at present, and the scope will not be expanded, with a gradual transition in the future. Cities and counties that have already implemented an integrated social pension insurance system continue to conduct pilot projects.

Establishing a rural social pension insurance system, involving a wide range of workload. Governments at all levels should adhere to the policy of positive and steady, effectively strengthen the leadership, improve the coordination of work, summarize the experience in a timely manner, and gradually improve and enhance.

Attached: Interim Measures for Social Pension Insurance in Rural Areas of Zhejiang Province

Chapter I: General Provisions

Article 1: To establish a social pension insurance system in rural areas, to protect the basic livelihood of the rural elderly, to maintain the stability of the rural society, to promote economic development, and to implement the basic policy of family planning, the formulation of these measures.

Article 2 These measures shall apply to rural social pension insurance within the province.

Article 3 the establishment of rural social pension insurance system, adhere to the principle of self-protection, self-help and mutual aid, rights and obligations are united, to take the savings accumulation approach, the implementation of individual account system.

Article 4 of the civil affairs departments at all levels is the competent authorities of rural social pension insurance, responsible for the organization and implementation of these measures, and supervision and inspection of the implementation of the situation.

Chapter II scope of insurance, the object

Article 5 of the rural social pension insurance is the scope of the province's non-urban hukou rural people in all walks of life.

Article 6: Foreign laborers, businessmen and those in military service shall participate in the social pension insurance of their original hukou location, except for those who have already participated in the local pension insurance. Foreign laborers shall, in principle, participate in the rural social pension insurance of their place of residence.

Article 7 of the insurance age to participate in the labor to obtain income as a starting point, generally 18 years of age to 60 years of age, can also be early to participate in this insurance.

Chapter III Pension Insurance Premiums

Article VIII of the rural areas (excluding townships and villages enterprises) in all sectors of the social pension insurance premiums paid by the individual, supplemented by the collective subsidies, the state policy to support. Individual contributions and collective subsidies are all credited to individual accounts.

Article IX of the pension insurance premiums for the monthly payment standard for 6, 8, 10, 12, 14, 16, 18, 20 yuan and other grades, generally take the annual payment method, before December 15 of the year to pay up. The choice of payment bracket and the proportion of collective subsidy shall be determined by the insured person and the village depending on the economic situation.

Article 10: In accordance with their actual situation, the insured may take a one-time or several times to pay old-age insurance premiums. Collective subsidies for those who pay pension insurance premiums in a lump sum or in several installments shall be determined by the localities according to the situation.

Collective subsidies are provided on an equal basis to all categories of persons in townships and villages. The collective subsidy for one-child households and special hardship households may be higher than that for other recipients.

Article 11 of the townships and villages of all types of enterprises and individual economic organizations of employees of social pension insurance. Units pay 10-15% of the employee's gross salary on a monthly basis, and individuals pay 3-5% of their salary, all of which is credited to their personal accounts.

Employee pension insurance premiums paid by units are expensed before income tax is paid.

Article 12 Individuals and collectives can change the payment level and subsidy standard according to the increase or decrease of income, approved by the township social pension security management organization.

When an insured person encounters a disaster or is unable to pay old-age insurance premiums for other reasons, he or she may, on his or her own application and with the approval of the township social old-age insurance management organization, stop paying insurance premiums for a specified period. After resumption of contributions, the suspended portion can be paid back.

Those who have served their sentences and stopped paying old-age insurance premiums, and those who have completed their sentences and returned to their places of origin, shall continue to pay old-age insurance premiums.

Article 13: If an insured person moves to a foreign country or is recruited for a job, promoted, or promoted to higher education, he or she may transfer his or her insurance relationship (including the premiums paid) to the social pension insurance organization in the place where he or she moves to continue to be insured, or he or she may be refunded the total amount of his or her accumulated old-age insurance premiums.

Article 14: If an organization or an insured person stops paying pension insurance premiums without any reason during the period of enrollment, he or she shall be charged a late fee of 5% of the pension insurance premiums payable on a daily basis.

Chapter 4: Payment of Old-Age Insurance Benefits

Article 15: When an insured person reaches the age of 60, the standard of payment shall be determined according to the total amount of accumulated contributions, and the insured person shall be paid the old-age insurance benefits on a monthly or quarterly basis.

Article 16: The guaranteed period of receiving old-age insurance benefits is ten years. If an insured person dies after receiving pension insurance benefits for less than ten years, the pension insurance benefits for the remaining years shall be received by his legal heirs or designated beneficiaries. If there is no legal heir or designated beneficiary, the rural social pension insurance organization shall deal with the matter in accordance with the relevant provisions.

If an insured person is still alive after receiving the old-age pension for ten years, he or she shall continue to receive the old-age pension at the original rate until death.

The pension insurance benefits received by the insured are exempted from personal income tax.

Article 17: If an insured person dies before reaching the age of 60, the total amount of the old-age insurance premiums paid by him/her shall be returned to his/her legal heirs or designated beneficiaries

Article 18: If, during the period of payment of old-age insurance premiums by an insured person, he/she is unable to bear the expenses because of a serious illness or a major change in his/her family, he/she may, at his/her own expense, apply for an old-age insurance, and, after being examined and approved by a township or township social old-age insurance management organization, be granted a pension from his/her own income tax. After the examination and approval by the township rural social pension insurance management organization, the insured individual can borrow money from the insurance premiums paid by him/her. The borrowed money is deducted from the total amount of premiums paid.

Article 19: The rights and interests of pension insurance payment shall not be transferred, mortgaged, or repaid in arrears. False claims and fraudulent claims for pension insurance benefits shall not be allowed, and violators shall be prosecuted in accordance with the relevant laws and regulations.

Chapter V fund management, utilization

Article 20 of the rural social pension insurance fund to implement the principle of unified management of the county (city, district). County (city, district) set up a rural social pension insurance fund ledger, unified collection of pension insurance premiums, unified payment of pension insurance; townships to set up sub-accounts; villages or enterprises to set up a detailed account, according to the person to set up a household bookkeeping and filing.

Article 21 of the rural social pension insurance fund to implement the management of two lines of income and expenditure, the establishment of special accounts, earmarked. No unit or individual shall not transfer, misappropriation or misappropriation.

Article 22 of the county (city, district) rural social pension insurance agency is responsible for the social pension insurance fund value preservation, value-added and payment as scheduled. Rural social pension insurance fund can be in accordance with the relevant provisions of the preservation of value, value-added through the deposit of banks, the purchase of state bonds and financial bonds and other means. It may not be directly invested, guaranteed or mortgaged.

Article 23 of the county (cities, districts) rural social pension insurance management organization in the pension insurance premiums collected in the year at a rate of not more than 3%, a one-time extraction of management service fees, graded use. Specific extraction standards, proposed by the local civil affairs department, approved by the financial department at the same level, reported to the government at the same level for approval. Mainly used for the following management organization's personnel salaries and benefits, official expenses, operating expenses, publicity, equipment purchase, repair, training and other necessary expenses.

Article 24 of the pension insurance fund and management service fees, no income tax. Which management service fee balance must be carried over to the next year, and accordingly reduce the next year's withdrawal ratio.

Article 25 of the provincial finance department in conjunction with the civil affairs department to develop a unified financial management system and accounting system for rural social pension insurance fund. The financial management of rural social pension insurance management organizations at all levels shall be subject to the supervision and inspection of the civil affairs, finance and audit departments at the higher and equivalent levels.

Chapter VI management organization

Article 26 counties (cities and districts) to set up to the government in charge of the leadership responsible for other relevant departments to participate in the rural social pension insurance committee and the fund supervisory board, to strengthen the leadership of the work of old-age insurance and the use of funds and supervision.

Article 27: Civil affairs departments at all levels above the county level shall have appropriate organizations and personnel to undertake the management of rural social pension insurance; townships shall set up pension insurance management offices; villages and township enterprises shall employ pension insurance agents. The required establishment shall be determined by the localities in accordance with the actual needs of conducting business.

Article 28 Rural social pension insurance management organizations at all levels are responsible for managing and undertaking pension insurance business at their own levels.

Chapter VII Supplementary Provisions

Article 29 These Measures shall be implemented as of the date of issuance.

Right, the proportionate contribution to the pension insurance, and is to bear a large part of the cost.

Taking the unit to buy the whole social security, the calculation is shown as follows:

Medical insurance: individuals bear 2%, the unit bears 8%;

Pension insurance: individuals are 8%, the unit bears 12%;

Unemployment insurance: individuals are 1%, the unit bears 2%;

Worker's compensation insurance: individual none, the unit 1%;

Maternity insurance: none for individuals, 1% for units;

Provident fund: 3.5% for individuals, 3.5% for units.

And the costs of work injury and maternity insurance are borne by the unit.

Salary is 6,000 yuan per month, then the premiums are:

Medical insurance: 6,000 * 2% = 120 yuan, unit 6,000 * 8% = 480 yuan;

Pension insurance: 6,000 * 8% = 480 yuan, unit 6,000 * 12% = 720 yuan;450

Unemployment insurance: 6,000 * 1% = 60 yuan, unit 6,000 * 12% = 720 yuan;

Unemployment insurance: 6,000 * 1% = 60 yuan, unit 6,000 * 12% = 720 yuan. *1%=60 RMB, unit 6000*2%=120 RMB;

Workers' Compensation Insurance: Individual none, unit 6000*1%=60 RMB

Maternity Insurance: Individual none, unit 6000*1%=60 RMB

Provident Fund: 6000*3.5%=210 RMB, 6000*3.5%=210 RMB.

So the individual total is: 870 yuan, the unit total is: 1650 yuan.

Calculated data may be different from the actual, but the calculation is this way

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