New Rural Social Security Policy in Hunan in 2023

With the continuous progress of society, some social systems are constantly strengthened and improved, especially some rural social security systems closely related to the people. This system not only lightens the burden of ordinary people, but also provides welfare for ordinary people in the era of expensive medical treatment. Let me give you a detailed introduction.

I. Insurance conditions

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 may voluntarily participate in the new rural insurance at their domicile.

Second, the payment standard

At present, the payment standard of the new rural insurance is divided into five grades: annual 100 yuan, 200 yuan, 300 yuan, 400 yuan and 500 yuan, and each region can add payment grades according to the actual situation. Insured people can choose their own grades to pay, and pay more.

Three, the new rural insurance treatment standard

1. When the new rural endowment insurance system is implemented, people who have reached the age of 60 and do not enjoy the basic old-age insurance benefits for urban workers can receive the basic pension on a monthly basis without paying the fee, but their children who meet the insurance conditions should pay the insurance premium;

2. If the age before collection is less than 15, the annual payment is allowed, and the accumulated payment does not exceed15;

3. If the age is above 15, the annual payment shall be made, and the accumulated payment shall not be less than 15.

Four, the new rural insurance benefits to receive standards

Consumers can calculate the treatment standard of the new rural insurance according to the following formula: (lifelong payment+interest+government subsidy) ÷ 139+55= monthly treatment standard after retirement. Among them: provincial government subsidies may be different. The state allocated funds to 55 yuan.

Suppose Mr. Wang * * * pays 6000 yuan for the new rural cooperative medical system, and the interest is about 1000 yuan. Then Mr. Wang can receive (6000+300+1000)/139+55 =107.52 yuan/month and 1290.24 yuan per year after retirement.

Five, Hunan rural social security payment and collection standards

According to "Guiding Opinions of the State Council on Launching the Pilot Project of New Rural Social Endowment Insurance", the elderly registered in rural areas 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 insurance shall 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.

How do employees of foreign-invested enterprises in rural areas pay insurance premiums? Employees of foreign-invested enterprises and rural private enterprises are generally implemented in accordance with the relevant provisions of the endowment insurance for urban employees. Therefore, the measures stipulated by the state for farmers' contract workers to participate in endowment insurance are: the payment standard shall be implemented according to the state regulations, and the local regulations shall be implemented if there are local regulations. After the termination or dissolution of the labor relationship with the enterprise, the social insurance agency shall keep its pension insurance relationship, keep its personal account and bear interest; Where re-employment, should continue or transfer the pension insurance relationship; Can also be in accordance with the provisions of the provincial government, according to the situation of farmers' contract workers themselves, the individual contributions in personal accounts will be paid to me in one lump sum, and the pension insurance relationship will be terminated. Farmers' contract workers who have reached the age of 60 for men and 55 for women, and whose cumulative payment period exceeds 15, can receive basic pension according to regulations; If the cumulative payment period is less than 15 years, the total amount of personal account storage is 1 times.

Employees and farmers contract workers who are employed in different cities and towns participate in the social insurance where the unit is located, and the social insurance agency shall establish personal accounts for basic old-age insurance and basic medical insurance for employees. Workers who are employed in cities and towns in different places enjoy social insurance benefits at the place where the payer is located according to regulations. After the termination or rescission of the labor contract, the social insurance agency may issue me a one-time basic old-age insurance and basic medical insurance personal account storage and unemployment insurance living allowance.

Six, when job-hopping, how to transfer the endowment insurance premium paid by migrant workers?

According to the Interim Measures for the Transfer and Continuation of the Basic Old-age Insurance for Employees of Urban Enterprises, which will be implemented on June 65, 2065, 438+00+0, all employees who participate in the basic old-age insurance for employees of urban enterprises, including migrant workers, can transfer the basic old-age insurance relationship when they are employed across provinces; While transferring the amount of personal account storage, it also transfers some units to pay fees; The payment period of the insured in various places is calculated together, and the accumulated amount of individual accounts is calculated together, and migrant workers are treated equally.

For a long time, the old-age insurance relationship can not flow with people, which seriously dampened the enthusiasm of migrant workers to participate in insurance. This is because once migrant workers leave their workplaces, the only choice is to give up their insurance. However, the current policy is to refund only the part paid by individuals, and the part paid by enterprises is intercepted by social security institutions. In other words, when people leave, they can't give the old-age insurance paid by enterprises to individuals. The more developed coastal cities with intensive land use, the cheaper they are for migrant workers, and the richer the local social security, the more willing they are to open the door for migrant workers to "surrender". However, in recent years, many regions have actively implemented the national policy of benefiting farmers, guaranteed the convenience of migrant workers, and issued some regulations that are conducive to promoting migrant workers to actively participate in insurance. For example, the "Interim Provisions on the Basic Endowment Insurance for Migrant Workers in Qingdao" is sealed, and those who re-employ in this overall planning area and participate in the endowment insurance for urban workers will continue the social insurance relationship. Migrant workers who participated in the basic old-age insurance for urban workers in this city left the overall planning area for re-employment. Upon my application, I can transfer the social insurance relationship to the re-insurance place. Migrant workers who are not registered in this city leave the overall planning area and the social insurance relationship cannot be transferred. Upon my written application, I can take my personal ID card to the social insurance agency where the unit pays the fee to handle the one-time termination of the social insurance relationship, and the social insurance agency will pay me the amount stored in my personal account in one lump sum.

Seven, Hunan province social security base adjustment policy.

Social insurance base, referred to as social insurance base, refers to the social insurance payment base of employees in a social security year. It is determined according to the average monthly wage income of employees from June 1 day to February 1 day in the previous year. The social insurance payment base is an important basis for calculating the social insurance premiums and social insurance benefits paid by employers and their employees. There are upper and lower limits, depending on the actual situation in each region. I believe everyone is very interested in social security policy. Follow me to get to know it.

1, different types of social security payment base standards:

Before the release of the standard value, individual industrial and commercial households and flexible employees in cities and towns (hereinafter referred to as individual payees) shall pay in advance according to the high-grade 4,025 yuan/month and the low-grade 24 15 yuan/month. Individual employees of the insured units shall pay in advance according to 1 10% of their annual payment base, with a cap of 12075 yuan/month and a guaranteed price of 24 15 yuan/month (the tentative benchmark value is 4025 yuan/month); The insured units shall pay in advance according to the sum of the individual payment bases of their employees.

Flexible employees, if they pay the premium, need to pay 4025 yuan ×20%, that is, 805 yuan, totaling 9660 yuan for the whole year. If they pay the premium, they need to pay 24 15x20%, that is, 483 yuan, 5796 yuan for the whole year. However, for prepaid individuals who calculate the payment index based on the degree reference value, the payment base may not change. If the payment index is less than 0.6 or 1, I am willing to increase it to 0.6 or 1 based on the benchmark value before February 30th, 1 year (no interest and late fees are charged), and I will not pay the increase after the deadline.

The reporter learned from the Social Security Bureau of Hunan Province that the social insurance payment base of enterprise employees in Hunan Province in 20 15 is determined as: the maximum shall not be higher than 12 132 yuan/month, and the minimum shall not be lower than 2426 yuan/month.

The base of social insurance payment in Hunan is adjusted according to the average wage of workers in the whole province in the previous year. According to the data jointly released by the Provincial Department of Human Resources and Social Security and the Provincial Bureau of Statistics, the average annual salary of employees in the province last year was 48,525 yuan, and the average monthly salary was 4,044 yuan, an increase of 10.6% over the previous year. Accordingly, in 20 15 years, the minimum monthly social security contribution base of the employer is 60% of the average monthly salary, that is, 4044×60%=2426 yuan (according to the rounding principle); The maximum is 300% of the average monthly salary, that is, 4044×300%= 12 132.

After understanding the latest rural social security standard policy in Hunan, do you have a deeper understanding of the social security policy issued by the government? Therefore, we should pay more attention to the policies closely related to us, which will not only facilitate us, but also reduce our living burden. I hope it will help everyone.