One-time payment of endowment insurance premium

The basic old-age insurance premium for urban and rural residents is paid annually, or you can choose to pay it in one lump sum before reaching the age of 60 (it must be paid in full 15 years), or pay it in one lump sum when reaching the age of 60. The standard of one-time payment varies from province to province, so you can consult the local social security organ.

Implementation measures and related cost policies of new rural endowment insurance

First, the scope and object of insurance

(1) Rural residents who have registered in this Municipality and have reached the age of 16 or above, flexible employees in cities and towns, and those who have reached the age of 60 and have not enjoyed the basic old-age insurance (retirement) benefits in cities and towns may apply to participate in the social old-age insurance for urban and rural residents (hereinafter referred to as "residents' old-age insurance") from the month when the pilot program of residents' old-age insurance is launched in the counties (autonomous counties) where they are registered.

(two) full-time students and those who have received basic pension, retirement fee or pension benefits on a monthly basis shall not participate in the old-age insurance for residents.

(3) Persons who have participated in the basic old-age insurance for employees of urban enterprises, the old-age insurance for migrant workers, and the old-age insurance for institutions shall not participate in the old-age insurance for residents at the same time during the period of paying the basic old-age insurance for employees of urban enterprises, the old-age insurance for migrant workers, and the old-age insurance for institutions.

Second, insurance registration

Persons who voluntarily participate in the old-age insurance for residents (hereinafter referred to as the insured) shall declare to participate in the old-age insurance for residents at the township (street) social security service where their household registration is located with their resident ID cards and household registration books. Due to special circumstances, I can't declare directly, but I can also entrust the village committee (community neighborhood committee) where the household registration is located to handle the registration formalities of residents' old-age insurance at the township (street) social security service office with the client's resident ID card (photocopy), household registration book (photocopy) and written power of attorney. Audited in line with the conditions of insurance, the township (street) social security service agencies where the household registration is located shall handle the registration procedures for residents' old-age insurance, and issue a certificate of insurance registration. The date of birth of the insured is subject to the date of birth recorded in my resident ID card.

Third, the endowment insurance fund raising

(1) individual payment

1. Payment standard statement

(1) Insured persons aged over 0/6 but under 60 years old in counties (autonomous counties) where their household registration is located, or insured persons aged over 0/6 after the pilot (hereinafter referred to as normal insured persons), can be registered according to 100 yuan, 200 yuan, 400 yuan and other standards. The payment standard for normal insured personnel shall be declared once a year. (II) Insured persons who have reached the age of 60 in the month when the household registration is carried out in the counties (autonomous counties) where the household registration is located (hereinafter referred to as the old-age insured persons, the age of the old-age insured persons in the pilot counties in 2009 was defined as August 3 1, the same below), and those who have the conditions and pay voluntarily can voluntarily choose the standard payment grade among the three-month payment grades in 40 yuan, 60 yuan and 90 yuan. Once selected, they shall not be changed.

(3) If it is impossible to declare in person due to special circumstances, it may entrust the village committee (community neighborhood committee) where the household registration is located with written authorization to declare on its behalf.

2. The normal insured person who pays the old-age insurance premium shall pay the old-age insurance premium of the current year in full according to the declared payment standard before February 28 each year, and pay it once a year. The insured person of endowment insurance shall pay the endowment insurance premium in one lump sum. The payment standard is determined by multiplying the selected payment grade by the number of months of one-time payment. The number of one-time payment months is calculated according to the actual number of months from the age of 75. The actual number of months from 75 years old is less than 60 months, and those over 75 years old are counted as 60 months. Except for diseases, disasters and other reasons, the old-age insurance premium will not be paid in principle, except that it can be paid in the following year upon my application. Due to illness, disaster and other reasons, the next year did not pay, no longer pay in the future; Need to continue to pay, should re declare the payment standard. The payment method of endowment insurance premium can be paid directly by the insured to the designated bank or withheld and remitted by the entrusted bank in the bank account opened by the insured.

(2) Collective subsidies

The subsidy paid by the village collective to the normal insured person who has paid in that year can be included in the individual account of the insured person. When the village collective gives payment subsidies, it shall declare the payment subsidies to the social security service institutions in the insured areas, and submit the subsidy objects, standards and methods determined democratically by the villagers' committees. Village collective subsidy funds must be paid in full at one time, and included in the insured's personal account from the month when the funds arrive.

(3) government subsidies

The principle of non-payment and non-repayment of government subsidies shall be implemented. The amount of government subsidies is credited to the personal account of the insured, and the time is the month when the basic old-age insurance premium paid by the insured individual arrives. After the normal insured person pays off the old-age insurance premium in accordance with the regulations, the government gives 30 yuan a subsidy every year. Among them, the government pays the old-age insurance premium according to 40 yuan every year for severely disabled people whose disability level reaches 1 and 2. If the elderly insured voluntarily choose to pay the old-age insurance premium in one lump sum, the government will pay the old-age insurance premium in 30 yuan every year according to the one-time payment period. Among them, the government pays the old-age insurance premium according to 40 yuan every year for severely disabled people whose disability level reaches 1 and 2.

Fourth, payment of pension benefits.

(1) The conditions and time of monthly payment of basic pension are as follows:

1. Elderly insured

(1) The elderly insured who choose to pay the fee will be paid the basic pension on a monthly basis from the month when the pilot is launched (in the counties and districts where the pilot was launched in 2009, if they reached the age of 60 from July to August 2009, they will be paid from the next month when they reached the age of 60); After New Year's Eve, if the insurance is insured or the expenses are paid off, the basic pension will be paid monthly from the month after the expenses are paid off.

(2) For the elderly insured who have not paid the premium, if their eligible children (determined by the children in the household registration book, the same below) have paid the premium in the pilot year, the basic pension will be paid monthly from the month when the pilot is carried out (in the pilot county in 2009, if they reach the age of 60 from July to August 2009, they will be paid from the month after they reach the age of 60); Children who meet the insurance conditions will pay insurance premiums after the pilot year, and the basic pension will be paid monthly from 1 of the year when the children pay insurance premiums. 2. In the pilot month, he is over 60 years old and less than 15 years old.

(1) When I reach the age of 60, if I have continuously paid the insurance premium since the pilot year, I will voluntarily choose to pay it back to 15 in one lump sum according to the payment standard of 60 years old, and after the one-time payment is settled according to the regulations, I will be given a monthly basic pension from the month after I reach the age of 60; Unwilling to make up to 15, the accumulated amount in his personal account will be divided by the specified number of months of calculation, merged with the basic pension, and will be paid monthly from the month after he reaches the age of 60.

(II) For those who have paid fees intermittently since the pilot year, or those who have not paid fees in the pilot year but have paid fees before reaching the age of 60, when reaching the age of 60, the policy of one-time payment to 15 will not be implemented, and the accumulated storage amount in personal accounts should be divided by the specified number of months and merged with the basic pension received monthly from the month after reaching the age of 60.

3. If the payment period reaches 15 or above when the insured reaches the age of 60, the basic pension will be paid monthly from the second month after reaching the age of 60.

4. Insured persons who have reached the age of 60 during the period of serving a sentence or reeducation through labor shall participate in the old-age insurance for residents according to regulations, and are sentenced to criminal detention or above or reeducation through labor during the payment period. Those who have reached the age of 60 during the period of serving a sentence or reeducation through labor shall go through the formalities of receiving the basic pension after the expiration of the sentence or reeducation through labor, and the basic pension will be paid from the expiration of the month.

(II) Insured persons who meet the requirements of item (1) of this article to receive basic pension on a monthly basis shall be issued with the Qualification Certificate for Urban and Rural Residents in Chongqing to Receive Basic Pension on a monthly basis after being examined and approved by the resident pension insurance agency in the district/county where the household registration is located.

(3) The basic pension of residents' old-age insurance consists of: monthly basic pension = basic pension+personal account pension. Basic pension: 80 yuan per person per month. Personal account pension: when the normal insured reaches the condition of receiving the basic pension on a monthly basis, his personal account pension is determined by dividing the accumulated amount of personal account by the number of months calculated; If the elderly insured choose to pay, the personal account pension shall be determined according to the personal account pension standard paid at the time of insurance; If the elderly insured person does not choose to pay, no personal account pension will be issued. The funds needed to pay the personal account pension are paid from the insured's personal account, and when the personal account is insufficient, it is paid from the residents' pension insurance fund. Parents who hold the Honorable Certificate of One-Child Parents or the One-Child Certificate will increase the basic pension 10 yuan every month from the month when they receive the basic pension. Persons who have reached the age of 70 when receiving the basic pension on a monthly basis will receive a monthly increase of 10 yuan basic pension from the month of receiving the basic pension; Those who have reached the age of 70 after receiving the basic pension on a monthly basis will increase the basic pension 10 yuan from the month when they reach the age of 70.

(IV) Persons who receive the basic pension on a monthly basis (hereinafter referred to as the insured) shall, from the year after receiving the basic pension, check the qualification of receiving the basic pension at the social security service institution of the insured place every year with their identity card, household registration book and the Qualification Certificate for Receiving the Basic Pension for Urban and Rural Residents in Chongqing. If it has not been verified within three months, the resident pension insurance agency will suspend the payment of its basic pension from the fourth month; After passing the qualification verification, the basic pension will be reissued during the suspension period.

(5) If the insured person is sentenced to reeducation through labor or criminal detention or above (except for a suspended sentence of fixed-term imprisonment), he shall not enjoy the basic pension and its adjustment during reeducation through labor or serving his sentence; From the second month after the expiration of reeducation through labor or serving a sentence, the basic pension will be paid according to the standards before reeducation through labor or serving a sentence.

(six) after the death of the insured, the basic pension will be stopped from the month after the death. Their relatives or interested parties shall, within 30 days, submit a valid death certificate to the social security service of the insured place, and receive a one-time death subsidy according to regulations. Failing to provide information within the time limit leads to the overdue payment of the basic pension after the death of the insured, and the overpaid basic pension is deducted from the one-time death grant and the balance of the insured's personal account. If the deduction is not enough, it shall be recovered according to the regulations.

Verb (abbreviation of verb) Establishment and management of personal account

(a) the resident pension insurance agencies to establish individual pension insurance accounts for the insured. Personal account includes personal basic information and information such as personal payment, collective subsidy, government subsidy and personal account expenditure.

(two) the personal account of the insured person generates interest according to the regulations, and is calculated by the resident pension insurance agency according to the personal account interest rate determined by the municipal government. The calculation formula of interest is: the interest in the personal account of the normal insured = the deposit amount in the personal account at the beginning of the year × the bookkeeping interest rate of this year+the entry amount of this year × the bookkeeping interest rate of this year ×112 × (12-n+1) (n is the month when the funds are received this year, and/kloc-0. Interest on the individual account of the insured = the balance of the individual account at the beginning of the year × the bookkeeping interest rate of this year-the monthly contribution × the bookkeeping interest rate of this year ×112. Among them, the monthly contribution amount =∑[m× monthly contribution amount (12-m+ 1)] (m is the payment month of this year, 1≤m≤ 12).

(three) the amount of personal account (including interest) shall not be withdrawn in advance or used for other purposes.

(4) If the normal insured person goes abroad to settle down before reaching the age of 60, the individual contributions and collective subsidy principal and interest in his personal account will be returned to him in one lump sum, and the residents' pension insurance relationship will be terminated. If the normal insured person dies before reaching the age of 60, the individual contributions and collective subsidy principal and interest in his personal account will be returned to the designated beneficiary or legal heir at one time, and the residents' pension insurance relationship will be terminated at the same time; If there is no designated beneficiary and legal heir, the personal account funds will be incorporated into the residents' pension insurance fund, and the residents' pension insurance relationship will be terminated at the same time.

(five) after the death of the insured, if there is a balance in his personal account, the balance of individual contributions and collective subsidies in his personal account shall be refunded in a lump sum according to the regulations. The calculation formula is: refund amount = personal account balance × (personal payment principal and interest when receiving treatment for the first time+collective subsidy principal and interest when receiving treatment for the first time) ÷ accumulated storage amount in personal account when receiving treatment for the first time.

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