What are the benefits of paying social security in rural areas of Hunan Province?

The first is the financial subsidy policy. The central government supplements the "export" (basic pension), and the minimum basic pension is 55 yuan per person per month. Starting next year, pilot counties and districts may appropriately raise the basic pension level. The local finance supplements "import" (payment), and each person receives 30 yuan every year, of which the provincial level takes the lead, and the average subsidy is 20 yuan, and the average subsidy of cities and counties is 10 yuan; Conditional county, to choose a higher level of payment, each additional file, overcharged 5 yuan. County-level finance should pay all or part of the minimum guarantee fee for poor groups such as severely disabled people.

The second is the insurance payment policy. Adhere to the principle of policy guidance and voluntary insurance. 16 to 59-year-old insured farmers pay endowment insurance premiums according to regulations. At present, the payment standard is set at 100 yuan per year, in 200 yuan, 300 yuan, 400 yuan and 500 yuan. Counties (urban areas) can add payment grades according to the net income of local farmers; Insured people can choose their own payment grades, and pay more. In accordance with the unified regulations of the state, our province timely adjusts the payment grade according to the growth of farmers' per capita net income. Insured farmers pay an annual fee.

The third is the treatment plan and payment policy. It is necessary to accurately grasp the conditions for receiving treatment. Elderly people with rural household registration who have reached the age of 60 and have not enjoyed the basic old-age insurance for urban workers can receive a monthly pension. When the new rural insurance is implemented, people who have reached the age of 60 can receive the basic pension on a monthly basis, but their children who live in the same village and meet the insurance conditions should pay the insurance premium. When the new rural endowment insurance is implemented, the minimum payment period should be greater than 15 years; If the age is less than 15 years, the annual payment can be made, but the accumulated payment shall not exceed 15 years.

It is necessary to accurately calculate and pay pension benefits. The pension benefits of the new rural insurance are composed of basic pension and personal account pension. The minimum standard of basic pension determined by the central government is 55 yuan per person per month. Conditional counties (urban areas) may appropriately raise the basic pension, and the funds shall be borne by the county (urban areas) finance. The monthly calculation and payment standard of personal account pension is the total amount of personal account divided by 139 months (average remaining months). When the insured dies, in addition to government subsidies, his personal account balance can be inherited according to law.

The fourth is the fund management policy. The new agricultural insurance fund implements two lines of revenue and expenditure management and keeps accounts separately. Basic pension and personal account pension fund are managed separately, and basic pension cannot occupy personal account fund. In order to ensure the safety of the fund and improve the overall level, the individual account funds in our province are managed centrally at the provincial level and included in the provincial financial accounts. The fund balance is maintained and increased in accordance with the relevant provisions of the state.

The fifth is the personal account policy. The agricultural insurance agency shall establish a personal account for endowment insurance with lifelong records for each insured person. Individual contributions, collective subsidies, subsidies from other social and economic organizations to the insured, and subsidies from governments at all levels to the insured are all credited to individual accounts, fully accumulated, managed in real accounts, and owned by individuals. The amount stored in individual accounts shall bear interest every year with reference to the one-year RMB deposit rate of financial institutions published by the People's Bank of China.

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