Old-age insurance policy for urban residents 20 17

Old-age insurance policy for urban residents 20 17. 20 17 what's the latest old-age insurance policy for urban residents? What are the requirements for participating in the endowment insurance for urban residents? Let's investigate together.

First, the coverage of basic old-age insurance for urban and rural residents:

Employees of non-state organs and institutions and urban and rural residents who have reached the age of 16 (excluding students at school) and do not belong to the basic old-age insurance system for employees can participate in the old-age insurance for urban and rural residents at their domicile.

Two, the basic old-age insurance payment standard for urban and rural residents:

At present, the payment standards for participating in the old-age insurance for urban and rural residents are 100 yuan, 200 yuan, 300 yuan, 400 yuan, 500 yuan, 600 yuan, 700 yuan, 800 yuan, 900 yuan, 1000 yuan, 1500 yuan and 2000 yuan, and the people's governments of various provinces (autonomous regions and municipalities) may not set a maximum in principle. The insured chooses his own grade to pay, and if he pays more, he gets more.

Three, the basic old-age insurance for urban and rural residents personal accounts:

The state establishes a personal account for endowment insurance for each insured person. That is to say, after the personal account of endowment insurance is established, the social insurance management institution will provide lifelong service. No matter where the personal account is paid, no matter whether it is intermittent or not, the rights and interests of the insured will be recorded in a cumulative way.

During the payment period, if the applicant's household registration is transferred and it is necessary to transfer the old-age insurance relationship between urban and rural residents across regions, the opinion stipulates that you can apply for the transfer of the old-age insurance relationship at the transfer place, transfer all the deposits in your personal account at one time, continue to participate in the insurance according to the regulations of the transfer place, and accumulate the payment period.

Even if you participate in other social security systems (such as basic old-age insurance for urban workers), your personal account can be transferred in full. In addition to individual contributions, government subsidies, collective subsidies and other subsidies are also included in your personal account, which reflects the state's support for the insured to pay.

Four, the basic old-age insurance for urban and rural residents and the old-age insurance for urban workers:

According to the provisions of the Interim Measures, the insured can apply for the contact procedures of the urban and rural old-age insurance system after reaching the statutory retirement age stipulated by the urban workers' old-age insurance. When the payment period of endowment insurance for urban workers reaches 15 (including extended payment period 15), it can be transferred from endowment insurance for urban and rural residents to endowment insurance for urban workers and enjoy corresponding treatment.

Those who participate in the old-age insurance for urban and rural residents, whose household registration is transferred during the payment period, need to transfer the old-age insurance relationship between urban and rural residents across regions, can apply for the transfer of the old-age insurance relationship at the transfer place, transfer all the storage amount in their personal accounts at one time, and continue to participate in the old-age insurance benefits for urban and rural residents according to the provisions of the transfer place, and calculate the cumulative payment period.

Verb (abbreviation of verb) unifies the basic old-age insurance system for urban and rural residents;

Establishing a unified basic old-age insurance system for urban and rural residents is an organic integration of the existing new rural insurance and urban residential insurance, and its unity emphasizes.

The first is to unify the system name.

The second is to unify policy standards. The annual payment standards of the original new rural insurance and urban residence insurance were set at five grades and 10 grade respectively. This unified system combines 12 levels, ranging from 100 to 2000 yuan.

Third, unified management services. The new rural insurance fund and the urban residential insurance fund will be merged into the endowment insurance fund for urban and rural residents, and the provincial management will be gradually promoted, and investment and operation will be carried out in accordance with the unified provisions of the state.

Fourth, a unified information system.

Interpretation of the basic old-age insurance policy for urban and rural residents

1. Who can participate in the basic old-age insurance for urban and rural residents? How much do you charge?

Answer: Urban and rural residents who have household registration in this county and have reached the age of 16 (except full-time students and employees of the employer) and have not participated in the basic old-age insurance for employees must participate in the basic old-age insurance for urban and rural residents at their household registration location.

For the first time, you need to take the original and copy of your valid ID card to the town people's social office and village (neighborhood) Committee where your household registration is located to go through the insurance procedures.

Insured persons should go to the town people's social center and the village (neighborhood) four platforms before the end of March each year, build websites in the county town, and build online banking, yue life and mobile banking fees, and the fee level can be adjusted every year.

2. What are the basic old-age insurance payment standards and government subsidies for urban and rural residents?

A: In a:20 16, the individual payment standard and government subsidy standard of basic old-age insurance for urban and rural residents in our county are as follows

Individual contributions 100 yuan, and government subsidies to 30 yuan (only for needy groups).

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Individual contribution 1000, government subsidy 60.

Individual contribution 1400 yuan, and government subsidy to 70 yuan.

Individuals pay 2 100 yuan, and the government subsidizes 80 yuan.

Individuals pay 3000 yuan, and the government subsidizes 90 yuan.

Individuals pay 4000 yuan, and government subsidies 100 yuan.

Do not enjoy government subsidies in the repayment year. The insured can choose the charging level and pay more.

3. Which vulnerable groups can enjoy the payment from government agencies? What are the specific agency standards?

Answer: The severely disabled (above Grade II) and the minimum living security object who hold the People's Republic of China (PRC) Disabled Persons' Card issued by the County Disabled Persons' Federation can enjoy the basic old-age insurance for urban and rural residents. Eligible individuals only need to pay 20 yuan, 80 yuan and 30 yuan, or they can choose to pay in advance. The government payment standard remains unchanged, and they can enjoy the corresponding level of government subsidies.

4. What conditions can I meet to participate in the basic old-age insurance for urban and rural residents and go through the formalities for receiving benefits?

Answer: Individuals who participate in the basic old-age insurance for urban and rural residents, who have reached the age of 60, have paid a total of 15 years, and can receive the basic old-age insurance benefits for urban and rural residents on a monthly basis. The original and photocopy of my insurance payment certificate and valid identity certificate shall go through the formalities in the town people's agency where my household registration is located one month before meeting the treatment conditions.

In February 2065,438+065,438+0 and February 2065,438+0, those under 65,438+05 years old and 65,438+05 years old when the new rural endowment insurance system or urban residence insurance system was implemented, shall be paid annually, and the accumulated payment shall not exceed 65,438.

5. What are the basic old-age insurance benefits for urban and rural residents? How to calculate it?

A: The basic old-age insurance for urban and rural residents consists of basic pension and personal account pension.

Basic pension: the standard of 20 15 is per person 105 yuan/month.

Incentive basic pension: payment period 15, increase 10 yuan/month. If the continuous charging period exceeds 15, it will increase by 1 yuan every year, with the maximum not exceeding 30 yuan/month. Non-severely disabled people (above level 2) and low-income people do not issue incentive basic pensions.

Personal account pension: the monthly payment standard of personal account pension. At present, all deposits in personal accounts are divided by 139 (the same as the pension contribution coefficient of personal accounts in the current basic old-age insurance for employees). All savings in personal accounts include personal insurance premiums, government insurance premiums (only for those who have difficulty paying), government subsidies and interest.

6. What conditions need to be met for handling funeral subsidies for urban and rural residents' basic old-age insurance?

Answer: If the insured dies after a:20 16 1 and meets one of the following four conditions, he can apply for the funeral subsidy 600 yuan.

(a) the normal payment of the basic old-age insurance for urban and rural residents in the previous year,

② Accumulated payment of basic old-age insurance premiums for urban and rural residents 15 years,

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③ I pay and enjoy the basic old-age insurance for urban and rural residents every month.

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Enjoy the basic pension benefits for urban and rural residents every month, and the children are normally insured and pay the annual fee.

7. How do people who enjoy immediate family relief (survivors' allowance) handle the basic old-age insurance for urban and rural residents?

Answer: According to the original and photocopy of my valid ID card and the valid ID card of my children, I will go to the urban people's society where my household registration is located to go through the basic pension declaration procedures.

8. Is there an adjustment mechanism for the basic old-age insurance benefits for urban and rural residents?

A: The state has established a normal adjustment mechanism for the minimum standard of basic old-age insurance for urban and rural residents, and timely adjusted the minimum standard of basic old-age insurance according to economic development and price changes.

The basic pension standard of our county was adjusted from 60 yuan (20 10) in 2005 to 20 15 yuan. How to adjust 20 16 shall be implemented according to the provisions of provincial government documents.

9. When is the basic old-age insurance for urban and rural residents certified every year?

A: From July to September every year, the recipient carries his/her valid ID card, bank passbook (card) or social insurance card, and goes to the town people's agency or village (neighborhood) committee where the household registration is located to go through the qualification certification procedures.

10. How to calculate the personal account interest of basic old-age insurance for urban and rural residents?

Answer: The personal account deposit amount is calculated according to the personal account deposit interest rate of basic old-age insurance for employees in our province and the one-year bank time deposit interest rate for urban and rural residents announced by the People's Bank of China.

1 1. If you don't pay the insurance premium now, can you directly enjoy the basic pension after 60 years old?

A: No, according to the relevant policies of the State Council, rural residents born after 1950 1 and urban residents born after 195 1+02 1 must participate in the basic old-age insurance for urban and rural residents, and pay the normal fee every year.

12. what should I do if I participate in the basic old-age insurance for urban and rural residents and I don't receive the benefits or die during the benefits?

Answer: If the insured dies during the payment period, all the funds in the personal account will be collected by the beneficiary or legal heir designated by the insured at one time. If the insured dies during the period of receiving pension benefits, the beneficiary or legal heir designated by the insured shall receive it in one lump sum.

13, the early insurance of urban and rural residents' basic old-age insurance is better than the later insurance.

A: The benefits of early insurance and normal annual payment are mainly reflected in the following four aspects:

(1) enjoys a lot of government subsidies.

(2) Enjoy more incentive basic pensions.

(3) The personal account has a high storage capacity and receives a high pension;