Basic endowment insurance policy for urban and rural residents

Basic old-age insurance policy for urban and rural residents:

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

2. Fund raising: Urban and rural residents who participate in the basic old-age insurance for urban and rural residents shall pay the old-age insurance premium in accordance with the regulations. The payment standard is 100 yuan per person per year (only applicable to poor people, low-income recipients, poor people and severely disabled people with special difficulties), totaling 1000 yuan, 1500 yuan, 2,000 yuan and 3,000 yuan in 300 yuan, 400 yuan, 600 yuan and 800 yuan. Individual contributions, collective subsidies (other subsidies) and government payment subsidies are all credited to individual accounts.

3. Payment method: Urban and rural residents can choose their own payment grades. In a natural year, after the payment grade is determined, it will be paid at one time. Payment method 1: Both parties sign a withholding agreement in the rural commercial bank and entrust the bank to withhold; Payment method 2: online payment through WeChat, Alipay and Long Yun APP; Payment method 3: Pay with the original ID card to the District Taxation Bureau on the second floor of the government affairs hall in Xixiu District of Tuobaoshan, or pay at the counter of Rural Commercial Bank.

4. Pension treatment: urban and rural residents who are insured and have reached the age of 60 and have not received the basic old-age insurance treatment for employees and the retirement fee and retirement living expenses stipulated by the government can receive the basic pension for urban and rural residents if they meet one of the following conditions:

(a) the implementation of the new rural old-age insurance or urban residents insurance system, at least 60 years of age;

(two) the implementation of the new rural insurance or urban residential insurance system, has reached the age of 45, under the age of 60, the annual payment;

(three) when the new rural endowment insurance or urban residence insurance system is implemented, the age is under 45, and the accumulated payment is 15 years or more.

Once the basic old-age insurance for urban and rural residents is verified, it will be paid for life. Basic old-age insurance pension for urban and rural residents = basic pension+personal account pension, in which the basic pension is 98 yuan, and the personal account pension is calculated by dividing the total personal account by 139. If the accumulated payment of the insured exceeds 15 years, the basic pension standard will increase by 1 yuan every year, and the required funds will be borne by the District People's Government. Namely: basic pension = 98+(n- 15) (where n is the payment period of more than 15 years). Starting from 2002 1 and1,the insured urban and rural elderly residents aged 65 and above will spend more in 2 yuan every month from the next month of their age, and the required funds will be shared by the provincial, municipal and county (district) governments according to 7: 1: 2. Pensions will be suspended from the next month after the death of the recipients of basic old-age insurance for urban and rural residents. In line with the funeral reform policy of the District People's Government, a one-time funeral subsidy will be given to 500 yuan.

5. Collective subsidy: Village collectives and communities (neighborhood committees) with conditions grant subsidies to urban and rural residents for insurance payment. The subsidy standard shall be determined by the village (neighborhood) people's meeting and the village (neighborhood) people's representative meeting, and shall not exceed the highest payment grade standard in principle. Encourage other economic organizations, charitable organizations and individuals to provide financial support for urban and rural residents' insurance payment. Subsidies and subsidies shall not exceed the highest payment grade standard and cannot be returned.

Legal basis:

People's Republic of China (PRC) social insurance law

Article 20 The state establishes and improves a new rural social endowment insurance system. The new rural social endowment insurance combines individual contributions, collective subsidies and government subsidies.

Article 22 The State shall establish and improve the social endowment insurance system for urban residents. The people's governments of provinces, autonomous regions and municipalities directly under the Central Government may, according to the actual situation, combine the social endowment insurance for urban residents with the new rural social endowment insurance.