Dangtu rural endowment insurance

65438 On February 2, 2009, with the approval of the leading group of new rural endowment insurance in the State Council, our county was listed as the first batch of pilot counties of new rural endowment insurance in China. The adjusted new rural endowment insurance system will be in accordance with the Implementation Measures of New Rural Endowment Insurance in dangtu county (Zheng Zheng [2009]11No.) and the Implementation Rules of New Rural Endowment Insurance in dangtu county (Zheng Zheng [2009]11No.6).

First, the scope and procedures of insurance.

1. Who can participate in the new rural insurance?

A: Rural residents with household registration in this county who have reached the age of 16 (excluding students at school) and have not participated in the basic old-age insurance for urban workers. Fishermen and land-expropriated farmers in this county who have not participated in the basic old-age insurance for urban workers may participate in the insurance according to these provisions.

2. How to insure?

Answer: Insured farmers only need to bring the original ID card or household registration book to their village committee to declare and go through the insurance formalities. Severely disabled people and rural residents insured, but also need to carry the "People's Republic of China (PRC) Disabled witnesses" and "dangtu county rural residents minimum living guarantee certificate" and a copy of the original.

Second, the payment of insurance premiums

3. How does the insured pay?

Answer: After the insured farmers choose the payment grade to register for insurance, they go to the local rural commercial bank to collect the payment passbook and the personal account reconciliation of the new rural social endowment insurance in dangtu county, and pay the selected standard into the payment passbook, thus completing the insurance payment procedures. When paying fees in the next year, the insurance premium, government subsidy, interest and total amount paid by the insured farmers will be clearly displayed on the personal account reconciliation book of the new rural social endowment insurance in dangtu county. Payment period from 1 October1to March 3 1 every year. The annual new insured person shall declare at any time and be insured at any time.

4, the new rural insurance payment standard is divided into several grades? Can you change it?

A: The new rural insurance implements the payment of the insured farmers by selecting files, and the government gives subsidies. The annual payment standard for each insured farmer is 100 yuan, which is divided into eight grades: 200 yuan, 300 yuan, 400 yuan, 500 yuan, 600 yuan, 700 yuan and 800 yuan. The specific payment grade shall be independently selected by the insured farmers. Once selected, it shall not be changed within one payment year. If you need to change the payment standard for the next year, you should report to the local village Committee before February 20 every year.

5. How does the government subsidize farmers' insurance payment?

A: The government subsidies for insured farmers consist of provincial government subsidies and county and township government subsidies. First, the provincial government gives the insured farmers an annual 20 yuan payment subsidy; Second, if the county and township (town) governments pay 100 yuan to the insured farmers every year, they will give 30 yuan subsidies every year; If the annual payment standard of the insured farmers is in 200 yuan and above, subsidies will be given according to 20% of the payment amount of the insured farmers. See the table below for specific subsidies and personal account amounts.

Unit: Yuan

Payment standard100200300400500600700800

Provincial government subsidies 20202020202020

County and township subsidies 30406080100120140160.

Personal account amount15026038050062740860980

6. What are the preferential policies for rural poor groups to participate in insurance?

Answer: When the severely disabled participate in the insurance, the county and township (town) governments pay the endowment insurance premium in full according to the minimum payment grade and enjoy the prescribed endowment insurance subsidy. The insured farmers who enjoy the minimum living guarantee in rural areas pay 40% in 400 yuan every year, and the county government and the township (town) government each bear 30%, and enjoy the prescribed old-age insurance subsidies.

7. Is the longer the payment period, the more cost-effective?

Answer: Yes, those who continue to pay after the payment period reaches 15 can not only continue to enjoy the government's payment subsidy, but also increase the basic pension by 1% for each payment, with a maximum of 10%.

8. Is there any government subsidy to pay back?

A: Yes. If the normal payment is less than 15 years, the county and township governments will also enjoy subsidies for overdue payment.

Third, pension benefits.

9. When can the insured farmers receive their pensions?

A: From100+65438+65438, the pension age of both men and women participating in the insurance is the same, starting from the month after reaching the age of 60.

10, how do insured farmers apply for pensions?

Answer: When the insured farmers reach the age of 60, they should bring the original and photocopy of dangtu county New Rural Social Endowment Insurance personal account reconciliation account book, ID card and account book to the local village committee to fill out the Application Form for New Rural Social Endowment Insurance Treatment in dangtu county.

1 1. What part of the pension is received by the insured farmers?

Answer: For farmers who have paid 15 years, the monthly pension standard = personal account pension+basic pension, and lifelong payment. If the payment is less than 15 years, only individual account pension will be enjoyed.

12. What is an individual account pension?

Answer: Personal account monthly pension standard = accumulated amount of personal account ÷ 139 (Note: accumulated amount of personal account = insurance premium paid by individuals over the years+government subsidy+annual interest).

13. What is a basic pension? What is the standard?

A: The basic pension refers to the special subsidies given by governments at all levels to eligible insured farmers. At present, the basic pension standard in our county is 80 yuan per person per month, including 55 yuan per person per month from the central finance and 25 yuan per person per month from the local finance.

June 14, 20 10, 1 How about the elderly farmers who have reached the age of 60?

Answer: 10 June+10/0/day, as long as all the children who meet the insured age are insured, they can participate in the new rural insurance after their declaration, and enjoy the basic pension directly without payment.

Fourth, the treatment is received.

15. how to deal with the endowment insurance premium paid by individuals when the insured farmers die during the payment period?

Answer: If the insured farmer dies during the payment period, the accumulated amount of individual payment principal and interest in his personal account will be inherited by his legal heir or designated beneficiary.

16. What is the treatment of the insured farmers who died during the pension period?

Answer: If an insured farmer dies while receiving a pension, in addition to returning the balance of individual contributions in his personal account to his legal heir or designated beneficiary, he will also pay 1 000 yuan funeral expenses and a one-time subsidy according to the pension standard of the deceased for four months before his death.

17, how to apply for funeral allowance?

A: Funeral subsidies include funeral expenses and one-time subsidies. If an insured farmer dies while receiving a pension, his legal heir or designated beneficiary shall, within 60 days after his death, go to his village Committee to handle the formalities for receiving funeral expenses and one-time subsidies. Those who exceed the reporting period will be disqualified from applying for funeral expenses and one-time subsidies, and the overpaid pension will be recovered.

18. Is it convenient for farmers to pay old-age insurance premiums or receive pensions?

A: Very convenient. Farmers pay old-age insurance premiums or receive pensions, which are handled by banks. The undertaking bank of the new rural endowment insurance is Maanshan Rural Commercial Bank, which has 24 branches in various towns and villages in dangtu county, which is very convenient throughout the county.

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