What are the benefits of farmers into social security

I. What is the new rural social pension insurance?

A: the new rural social pension insurance (referred to as the new rural insurance) is an important part of the social security system, is a universal, welfare social security undertakings; by individual contributions, collective subsidies, government subsidies, to protect the basic life of the elderly rural residents of a social security system.

Second, what are the benefits of participating in the New Rural Insurance?

A: ① can protect the basic life of farmers in old age, to achieve old age; ② reduce the burden of child support; ③ can increase the family's economic income; ④ promote social harmony and stability.

Third, what is the difference between the new rural insurance and the old rural insurance?

A: ① financing channels are different. New rural insurance with government subsidies, the old rural insurance rely entirely on individual contributions; ② payment method is different. The new rural insurance standardized contribution base and years, the old rural insurance contribution is very arbitrary; ③ treatment settlement is not the same. The new rural insurance treatment to take the individual account and the integrated account plus the settlement method, and the establishment of a growth mechanism; ④ accounting is different. The new rural insurance adopts the accounting method of individual unified account, that is, the individual account is added to the integrated account, while the old rural insurance only has the individual account; ⑤ The fund management mode is different. The new rural insurance set up a financial account, the financial sector to carry out fund management, to ensure the safe operation of the fund.

Four, to participate in the new rural insurance need to have what conditions?

A: 16 years of age (excluding school students), did not participate in the basic pension insurance for urban workers, household registration for the county's rural residents, can participate in the new rural insurance.

V. What is the current annual contribution standard for the new rural insurance?

Answer: Individual contributions are set at 100 yuan, 200 yuan, 300 yuan, 400 yuan and 500 yuan per year. Participants independently choose the contribution level, a certain year, yearly contributions. Provincial people's government in accordance with the unified provisions of the country, based on the growth of per capita net income of rural residents, etc., when adjusting the contribution level, our county synchronization adjustment.

Sixth, the government subsidies for the new rural insurance is how much?

Answer: The central financial institutions to meet the conditions for receiving the insured, according to the determination of the basic pension standard of 55 yuan per person per month to give full subsidies.

In addition, subsidies are given to participants' contributions. The subsidy standard is 30 yuan per person per year (20 yuan from provincial finance and 10 yuan from local finance). Replacement contributions are not subsidized.

New rural insurance participants who have paid contributions for a total of more than 15 years, each additional year of contributions, their basic pension increased by 0.5 yuan per month.

VII. When should I pay the contributions every year?

A: Participants with the new rural insurance contribution subsidy registration card to the designated financial institutions by the end of December each year to make contributions.

VIII. What is the basic pension standard in 2010?

A: The standard of basic pension in 2010 is 55 yuan per person per month.

Nine, where to get the pension?

A: The New Rural Insurance pension is socialized, and the recipients go to the designated financial services institutions (banks) to receive the pension directly.

X. Will the pension rate increase in the future?

A: It will increase. According to the level of economic development and price changes and other circumstances in due course to increase the basic pension standard.

Xi, I am not yet 60 years old, if I do not pay the annual contributions, when I reach the age of 60 years old pension can be issued?

A: No pension can be issued.

Rural residents who were under the age of 60 at the time of the official launch of the new rural insurance program are all participants and contributors.

The insured contributors aged 46-59 must make annual contributions; if they don't, they will not be able to receive an old-age pension when they reach the receiving age (60 years old).

Those who are 16-45 years old must also make annual contributions for a total of 15 years, and will be able to receive an old-age pension when they reach the receiving age (60 years old); if they do not make contributions, they will not be able to receive an old-age pension.

XII. What are the advantages of paying contributions for a longer period of time?

A: The government encourages the insured to pay the New Rural Insurance Pension Insurance premiums on time and in full continuously, and after 15 years of contributions, their basic pension will increase by 0.5 yuan per month for each additional year of contributions. And the contribution time is long, the contribution subsidy is also increased accordingly.

Thirteen, the participants should prepare what information when enrolled?

A: ① my second-generation ID card; ② my hukou.

Fourteenth, what is the individual account?

Answer: Each participant of the new rural insurance will have an individual account for pension insurance that establishes a lifelong contribution record. Individual contributions, collective subsidies and government subsidies are all credited to the individual account. Early withdrawal from the individual account is not allowed.

The stored amount in the individual account bears interest annually with reference to the interest rate of one-year period deposit of RMB in financial institutions announced by the People's Bank of China.

Fifteen: Can I inherit my personal account?

A: Yes, the principal and interest of the individual contribution balance in the individual account can be inherited.

Sixteen: How can a participant and contributor receive a pension? How is the pension benefit calculated? When will it be paid?

Answer: When the new rural insurance system is implemented, rural residents who are under the age of 60, after making annual contributions, can receive a monthly pension from the month following the month in which they reach the age of 60, and the payment is for life.

Monthly pension=basic pension+individual account pension

Basic pension=55 yuan

Individual account pension=individual account savings ÷ 139

Example: Zhang Moumou, a male, was born in November 1950, and is a member of the New Rural Insurance Scheme.

Zhang must pay one year of pension contributions. Let's set:

Payment of pension insurance premiums: 100 yuan

Government subsidy: 30 yuan

Personal account savings: 130 yuan

Monthly pension=Basic pension (55 yuan)+Personal account pension (130 ÷ 139)=55 yuan+0.9 yuan=55.9 yuan

Zhang Moumou started to receive his pension in 2010. December began to receive the pension, the monthly rate of 55.9 yuan. Payment for life. And will be adjusted by the state in due course as the standard of living improves.

Seventeen: What are the benefits of participating in the new rural insurance for farmers?

A: Example: Zhang, male, born in 1964.

One is the fast recovery of investment. For example, Zhang's new rural insurance participants at 100 yuan/year standard, **** contributions for 15 years, every contribution for 1 year government subsidies of 30 yuan, personal account at 2.25% interest. At the age of 60, his personal account storage amount of 2341 yuan, personal account pension is 16.8 yuan per month, the basic pension is 55 yuan per month, the total pension is 71.8 yuan per month, the total annual pension is 861.6 yuan. The 1,500 yuan of pension insurance premiums he paid can be fully recovered in less than 2 years. Secondly, the return is much higher than the interest on bank deposits. If the above example of Zhang did not participate in the new rural insurance, but each year in the bank deposit 100 yuan, *** deposit 15 years, the bank one-year deposit interest rate of 2.25%, this farmer to get the total principal and interest of 1,801 yuan. However, to participate in the new rural insurance, according to the standard monthly pension of 71.8 yuan, the average life expectancy of 72 years of age, Zhang can receive the new rural insurance pension totaling 10,340 yuan. Thirdly, the basic pension of the new rural insurance is adjusted in due course according to economic development and price changes, etc., and farmers will receive more and more basic pensions.

Eighteen, a person can pay more than one copy of the new rural insurance?

A: A person can only pay and enjoy one copy of the new rural insurance.

Nineteen: After joining the enterprise workers' pension insurance, can I join the New Farmers' Insurance?

A: After joining the basic pension insurance for urban enterprise workers, you are not allowed to join the New Farmers' Insurance within the same payment period.

Twentieth: Can I transfer the pension insurance I paid while working abroad to the local social security organization to continue to make contributions?

A: Yes, you can.

Twenty-one: Why do pensioners need to be certified for pension eligibility every year?

A: In order to ensure that the pension insurance fund is not lost, to prevent fraudulent pension problems, has been receiving pensions every year to receive qualification certification, not in the required time to receive qualification certification of the personnel, the county agricultural insurance bureau will be suspended the following month to pay their pension insurance benefits. The overclaimed and fraudulently claimed pensions are ordered to be returned by the County Farmers Insurance Bureau, and if not, lawsuits will be filed according to the law to pursue the legal responsibility of the relevant parties.

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