Hubei Rural Social Security Policy and Social Security Payment Standard in 2023

Rural social security, that is, rural social insurance, including rural old-age insurance and rural medical insurance, is an old-age insurance policy that is guided by government organizations, adopts the system mode of combining social pooling with individual accounts, and adopts the financing mode of combining individual contributions, collective subsidies and government subsidies to protect farmers' basic livelihood in their later years. Here I bring you: ... Want to know more about rural social security policies and social security payment standards in Hubei, pay attention to me and have a look.

Hubei rural social security policy

I. General requirements

Guided by Deng Xiaoping Theory and Theory of Three Represents, we will thoroughly implement Scientific Outlook on Development, reflect the requirements of Jiangsu to take the lead in building a well-off society at a higher level in an all-round way, and accelerate the realization of full coverage of the new rural social endowment insurance. According to the principle of "ensuring basic, wide coverage, flexibility and sustainability", the standards of financing and treatment are compatible with economic development and affordability in all aspects; Individuals, collectives and governments share responsibilities reasonably, and rights correspond to obligations; The combination of government-led and farmers' voluntary participation will guide farmers to participate in insurance generally; The province determines the basic principles and main policies, and the local authorities formulate specific measures to implement localized management of insured farmers.

II. Objectives and tasks

Further improve the new rural old-age insurance system, implement the combination of social pooling and individual accounts, and support other social security policies and measures such as family pension, land security and social assistance to ensure the basic livelihood of farmers in their later years. Rural elderly residents who do not enjoy the basic old-age insurance benefits for urban workers, who meet the conditions for receiving pensions, enjoy the pension benefits of the new rural insurance according to regulations; Guide all school-age insured personnel to actively participate in the new rural insurance, and pay for a long time, and pay more for a long time.

Starting from the reality of economic and social development in our province, on the basis of the pilot work of the new rural endowment insurance, we will strive to implement the new rural endowment insurance in all agricultural counties (cities, districts) by the end of 20 10, and basically realize the full coverage of rural school-age residents.

Third, the scope of insurance.

Rural residents with household registration in this province, who have reached the age of 16 (excluding students at school) and have not participated in the basic old-age insurance for urban workers, can participate in the new rural insurance at their household registration location.

Fourth, raise funds.

Give full play to the advantages of collective economy in our province, and establish and improve the financing mechanism of new rural endowment insurance. The new rural endowment insurance fund is mainly composed of individual contributions, collective subsidies and government subsidies.

(1) individual payment. Rural residents who participate in the new rural old-age insurance shall pay the old-age insurance premium according to the regulations. At present, the payment standard is set at 100 yuan per person per year, which is divided into six grades: 200 yuan, 300 yuan, 400 yuan, 500 yuan and 600 yuan. Encourage qualified areas to formulate higher-level payment standards. Insured people choose their own grades to pay, and pay more. According to the requirements of the state and the increase of farmers' income, the province adjusted the payment grade in time. Allow local governments to explore effective payment methods according to system regulations.

(2) Collective subsidies. Conditional village collectives shall give subsidies to the insured, and the subsidy standard shall be determined by the villagers' committee. Encourage other economic organizations, social welfare organizations and individuals to provide financial support for the insured.

(3) government subsidies. The government pays the new rural insurance basic pension in full to eligible insured persons. The basic pension is shared by the central finance, provincial finance and local finance. Provincial finance (including central financial subsidies) grants subsidies to counties (cities, districts) according to per capita financial resources, and gives priority to economically weak areas.

The local government subsidizes the insured, and the subsidy standard is 30-50 yuan per person per year. Where conditions permit, the subsidy standard can be raised, and the subsidy level is limited to low or high; Choose a higher standard payment, can encourage an appropriate increase in subsidies, specific standards and measures determined by the local people's government.

Local governments pay part or all of the minimum standard old-age insurance premiums for groups with payment difficulties such as severely disabled people in rural areas.

Verb (abbreviation of verb) establishment of personal account

The government establishes a personal pension insurance account with a lifetime record for each new rural insurance participant. Individual contributions, collective subsidies, subsidies from other social and economic organizations and subsidies from local governments to the insured are all credited to personal accounts. Personal account deposits shall bear interest according to the one-year fixed deposit rate of RMB published by the People's Bank of China.

Sixth, pension benefits.

Pension treatment consists of basic pension and personal account pension, which is paid for life.

The minimum standard of basic pension per person per month is 60 yuan, and the local government can appropriately raise the standard according to the local actual situation, and part of the funds raised will be paid by local finance. Before the implementation of these measures, those who have received pensions according to the original new agricultural insurance policy, whose treatment is higher than that calculated according to the new policy, can continue to implement the original standards; If the pension level is lower than that calculated according to the new policy, it shall be implemented according to the new policy standard.

The monthly payment standard of personal account pension is the total amount of personal account divided by 139. When the insured dies, the balance of personal account funds can be inherited according to law, except for government subsidies; The balance of government subsidies is used to continue to pay the pensions of other insured persons.

According to the national new rural insurance basic pension adjustment policy and the province's economic and social development, our province timely adjusts the minimum standard of basic pension.

Seven, pension conditions

Rural residents who have reached the age of 60 and have not enjoyed the basic old-age insurance benefits for urban workers in this province can receive pensions on a monthly basis if they meet the conditions for receiving pensions. Before the implementation of these measures, women aged 55-60 who have received the original new rural insurance pension will continue to receive it according to the original treatment standard, and will receive it according to the standards determined in these measures after reaching the age of 60.

When these measures are implemented, those who have reached the age of 60 and have not enjoyed the basic old-age insurance benefits for urban workers may receive the basic pension on a monthly basis without paying fees, but their children who meet the insurance conditions shall be insured; If the age is less than 15, the annual payment can be made, and the supplementary payment is allowed, and the accumulated payment does not exceed 15.

Eight. fund management

Establish and improve the financial accounting system of the new agricultural insurance fund. The new agricultural insurance fund is included in the financial special account of social security fund, managed by two lines of revenue and expenditure, accounted for separately, and maintained and increased in accordance with relevant regulations. At present, the new rural endowment insurance fund is managed at the county level and at the provincial level when conditions are ripe.

Nine. Fund supervision

Human resources and social security departments at all levels should earnestly perform their duties, formulate and improve the management rules and regulations of the new agricultural insurance business, standardize business processes, establish and improve the internal control system and fund audit system, conduct real-time monitoring and regular inspection on the storage, collection, settlement, budget, disbursement and distribution of funds, and regularly disclose the collection information of the new agricultural insurance fund to be open and transparent; Strengthen social supervision, prohibit misappropriation and ensure the safety of the fund. The financial department should give full play to its supervisory function, strengthen the supervision of the income, expenditure and balance of the new agricultural insurance fund, strengthen the management of the financial accounts of the new agricultural insurance fund, and ensure earmarking. The supervision and auditing departments shall exercise supervision according to their respective responsibilities. The new rural insurance agencies and villagers' committees publicize the eligibility of the insured in the village for payment and treatment within the administrative village every year, and accept the supervision of the masses.

X. Processing management services

All localities should carefully record the payment and treatment of rural residents, establish insurance files and keep them properly for a long time; Establish a new agricultural insurance information management system and incorporate it into the social security information management system ("Golden Insurance Project"); Vigorously promote social security cards to facilitate the insured to pay fees, receive benefits and inquire about insurance information. According to the principle of streamlining efficiency, we should integrate the existing rural social service resources, strengthen the capacity building of new rural insurance, and use modern service means to reduce administrative costs and improve work efficiency. The new agricultural insurance funds shall be included in the fiscal budget at the same level, and shall not be spent from the new agricultural insurance fund.

XI。 Links to related systems

All localities who have participated in the old rural insurance, who have reached the age of 60 and have received the old rural insurance pension can enjoy the basic pension of the new rural insurance; Insured persons who have participated in the old-age insurance, are under 60 years of age, and have not received the old-age pension will be incorporated into the new rural insurance personal account, and continue to pay according to the new rural insurance payment standard, and enjoy corresponding treatment when they meet the prescribed conditions.

The connection between the new rural insurance and the basic old-age insurance for urban workers, social security for landless farmers, rural family planning reward and support policies, rural five guarantees, social preferential treatment and rural minimum living guarantee shall be implemented in accordance with the measures formulated by Ministry of Human Resources and Social Security jointly with relevant departments.

Twelve. organize

Governments at all levels should fully understand the great significance of implementing the new rural endowment insurance, incorporate it into the local economic and social development plan and the annual target management assessment system, earnestly strengthen organizational leadership, and fully implement various measures. Counties (cities, districts) should set up a leading group for the implementation of the new rural insurance, which will be fully responsible for the new rural insurance work in the region. The human resources and social security department should earnestly perform the duties of the administrative department in charge of the new agricultural insurance, and do a good job in overall planning, policy formulation, unified management and comprehensive coordination of the new agricultural insurance in conjunction with the financial department. Other relevant departments should take the initiative to carry out their work, strengthen cooperation and form a joint force. Adhere to the correct direction of public opinion, use popular and easy-to-understand propaganda methods, strengthen the propaganda of the great significance, basic principles and policies of the new rural insurance, make this policy of benefiting the people deeply rooted in the hearts of the people, and guide school-age farmers to actively participate in the insurance. Pay attention to the new situation and new problems in the implementation process, actively explore and summarize the methods and experiences to solve problems, properly handle the relationship between reform, development and stability, and do a good job. Important situation in a timely manner to the provincial new agricultural insurance leading group report.

Hubei rural social security payment standard

Payment standard of new rural social endowment insurance

The payment standard of new rural social endowment insurance has also been adjusted to 12, with the lowest 100 yuan and the highest 2000 yuan. The people's governments of all provinces (autonomous regions and municipalities) are required to add payment grades according to the actual situation. In principle, the highest payment grade standard shall not exceed the annual payment of local flexible employees to participate in the basic old-age insurance for employees, and shall be reported to Ministry of Human Resources and Social Security for the record.

It is clear in the Opinions that in terms of individual contributions, those who participate in the new rural social endowment insurance in the future should pay endowment insurance premiums according to regulations. At present, the payment standards are set at 100 yuan, 200 yuan, 300 yuan, 400 yuan, 500 yuan, 600 yuan, 700 yuan, 800 yuan, 900 yuan, 1000 yuan, 1500 yuan, 2000 yuan, and the people's governments of provinces (autonomous regions and municipalities) can add payment grades according to actual conditions. Ministry of Human Resources and Social Security will, together with the Ministry of Finance, adjust the payment grade standards in a timely manner according to the income growth of urban and rural residents. Insured people choose their own grades to pay, and pay more.

Because local economic levels and policies are different, you need to ask the local social security bureau for the specific payment grade. The phone number is 12333.

Calculation of new rural social endowment insurance benefits

The new rural social endowment insurance consists of basic pension and personal account pension, which is paid for life.

Monthly pension = basic pension+total personal account ÷ 139.

Basic pension = the standard is 55 yuan (later adjusted with national policies)+every additional 65,438 years after payment +0 yuan;

Total amount of individual account = individual payment+government subsidy+collective subsidy+social and individual subsidy+interest generated from the above amount;

If you are 46 years old this year, you will pay 100 yuan every year, and pay continuously 15 years, personally 1500 yuan. At the age of 60, the monthly pension standard =[55 yuan +0 (basic pension will be increased after payment 1 year)] {{[(65438+000+30) × 15+0 (collective assistance, social and personal assistance, etc.).