Anhui New Rural Insurance Payment Policy

1, new rural endowment insurance policy

Insured population: Rural residents 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 voluntarily participate in the new rural insurance at their domicile.

Registration procedures and procedures: 1. The enrollment process takes the village (community, neighborhood Committee) as the unit, and the insured unit goes through the registration formalities. When you are insured for the first time, you should fill in the Registration Form for Participating in Old-age Security (Insurance) Units. 2. Persons who meet the conditions for insurance shall bring their household registration book, original and photocopy of ID card and one-inch bareheaded photos to the labor security management service station in the village (including neighborhood committees and communities, the same below) for insurance. The village is responsible for the preliminary examination of the insured qualification and fill in the "Publicity Form for Farmers' Basic Old-age Insurance Insured Persons" for publicity for one week, and those who have no objection fill in the "Registration Form for Farmers' Basic Old-age Insurance Insured Persons" (hereinafter referred to as the registration form). If the insured person is a soldier or a veteran, he shall provide a military service certificate issued by the People's Armed Forces Department, fill in the Application Form for Government Subsidies for Active Servicemen of Basic Old-age Insurance for Farmers, and report it to the town (street) labor security management service office.

2. Rural endowment insurance system

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 agricultural insurance system is implemented, those who have reached the age of 60 and have not enjoyed the basic old-age insurance benefits for urban workers can receive the basic pension on a monthly basis without paying fees, but their children who meet the conditions for participation should pay insurance premiums; If the age is less than 15, the annual payment is allowed, and the accumulated payment shall not exceed15; If the age is above 15, the fee shall be paid annually, and the accumulated fee shall not be less than 15.

In the pilot area of the new rural insurance, the insured who have participated in the old rural insurance and have reached the age of 60 and received the old rural insurance pension can directly enjoy the basic pension of the new rural insurance; For the insured who have participated in the old-age insurance, have not reached the age of 60, and have not received the pension, the funds in the personal account of the old-age insurance should be incorporated into the personal account of the new rural insurance, and continue to pay according to the payment standard of the new rural insurance, and enjoy the corresponding treatment when meeting the prescribed conditions.

3, the new rural insurance payment standard

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 year, which is divided into five grades: 200 yuan, 300 yuan, 400 yuan and 500 yuan. All localities can increase the payment grade according to the actual situation. Insured people choose their own grades to pay, and pay more. The state adjusts the payment grade according to the growth of per capita net income of rural residents.

4. How to calculate the new rural insurance pension?

Pension consists of two parts, one is the basic pension amount, and the other is the monthly pension amount of personal account. The basic pension standard set by the central government is 55 yuan per person per month. All localities can raise the basic pension standard according to the actual situation. For rural residents who have paid for a long time, the basic pension can be appropriately increased, and part of the increased and increased funds will be paid by local finance.

The monthly calculation and payment standard of personal account pension is the total amount of personal account divided by 139 (the same as the current calculation and payment coefficient of personal account pension of basic old-age insurance for urban employees). 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.

5. How to pay insurance when the retirement age is less than fifteen years?

According to the regulations, when the new rural insurance policy is implemented, people over 60 years old are called "old people", people between 46 and 59 years old are called "middle people" and people under 45 are called "new people". Different policies are implemented for these three types of people. At the beginning of the new rural insurance pilot, people over 60 years old can enjoy the basic pension as long as their children are insured; Rural residents aged 46 to 59 who pay less than 15 years can pay the fees according to the actual years, or they can pay the premiums in one lump sum, and the local financial subsidies will be in place at the same time. After the pilot is started, the insured persons under 45 years old will not enjoy the one-time payment policy, but will pay the fees annually, and the accumulated payment will not be less than 15 years.

6. Can rural social endowment insurance be inherited?

According to the provisions of China's Inheritance Law, heritage includes citizens' legitimate income, citizens' houses and daily necessities, citizens' trees, livestock and poultry, citizens' books, cultural relics and other collectibles, means of production that citizens are allowed to own by law, property rights in citizens' intellectual property rights and other legal properties that can be inherited according to law. Pension can be inherited as a citizen's legacy. But it is divided into two situations: if the beneficiary is specified in the old-age insurance contract, the beneficiary will get the old-age insurance money. If the beneficiary is not specified in the contract, the insurance money can be taken as the inheritance of the insured and obtained by his heirs.

Inheriting old-age insurance money is divided into two situations: one is that the insured dies during the payment period. All insurance premiums paid by the insured shall be returned to his legal heir or designated beneficiary. The other is that the insured dies while receiving a pension. We know that the period for the insured to receive the pension is 10 year. If he dies less than 10 years after receiving the pension, the balance of individual contributions in the individual pension insurance account can be returned to his legal heir at one time; If there is no heir or designated beneficiary, the funeral expenses shall be paid in accordance with the relevant provisions of the rural social endowment insurance management institution. Therefore, children have the right to inherit and receive their parents' pensions. The pension here is inherited by the children as the inheritance of the parents.

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