Payment standard and collection of rural social security in Hunan Province

Payment standard and collection of rural social security in Hunan Province

Hunan's new rural insurance policy 1: the traditional concept in rural areas now is to raise children to prevent old age.

In fact, due to the contradiction between family and economy, it is difficult for some old people to prevent their old age even if they have children. The core of the new rural insurance is to pay a little when you are young, and the state will make up a little. When you are old (over 60 years old), you can get a monthly pension.

The standard is personal account pension (principal plus interest) 139 plus basic pension in 55 yuan. In this way, the traditional rural pension mode will realize the historic transformation from raising children to preventing old age to social pension.

It is understood that Dongchangfu District, as a pilot project of new rural social endowment insurance, covers rural residents aged from 16 (excluding school students) to 59 who have not participated in the basic endowment insurance for enterprise employees, and can voluntarily participate in the new rural social endowment insurance at their domicile. At present, there are nearly 500,000 eligible people in Dongchangfu District. The group is divided into two parts,

First, when the new rural insurance is implemented, those over 45 years old should pay the annual fee, and the accumulated payment period should not be less than the remaining years from the actual age to 60 years old, but it is also allowed to pay back, but the accumulated payment period should not exceed 15 years;

Second, under 45 years of age, the payment shall be made annually, and the accumulated payment period shall not be less than 15 years. In addition, if the insured's payment period exceeds 15 years, the monthly basic pension will increase by 1 yuan for each additional year. According to the national regulations, the financing mode of the new rural endowment insurance is that the new rural endowment insurance fund consists of three parts: individual contributions, collective subsidies and government subsidies.

I. Calculation of rural social endowment insurance Rural social endowment insurance is divided into two stages: "saving accumulation" and "receiving and sharing". Payment and accumulation are similar to deposit in a bank. At this stage, the insurance premium of the old-age insurance object is in the process of pure accumulation, and the interest is calculated in sections, compound interest and rolling appreciation. The accumulated principal and interest will increase year by year after deducting a certain percentage of management fees according to the policy. At the beginning of collection, the accumulated amount of the endowment insurance object reaches the maximum, and the accumulated principal and interest at this time is called "accumulated total". When the insured reaches the age of collection, the accumulated total amount of the old-age insurance object will be allocated to 18, and will be collected monthly. Therefore, the collection standard is closely related to the accumulated total, and they are in direct proportion. When calculating the collection standard, we should first calculate the cumulative total, and then calculate the collection standard according to the cumulative total.

Second, what links should be paid attention to in rural social endowment insurance?

In this process, we need to pay attention to the following links:

(a) strictly grasp and be familiar with the interest rate standard and time stipulated in the interest rate policy and interest calculation by installments;

(2) Calculate compound interest in strict accordance with regulations;

(three) calculated in strict accordance with the payment coefficient, to ensure that the number of digits after the decimal point is required, and shall not be increased or decreased without authorization; (4) The coefficients received at the age of 60 and 55 cannot be combined.