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Measures for the pilot implementation of new rural social endowment insurance in Rongxian County

According to documents such as Guiding Opinions of the State Council on Launching the Pilot Project of New Rural Social Endowment Insurance (Guo Fa [2009] No.32), Notice of Sichuan Provincial People's Government on Printing and Distributing (Chuan Fu Fa [2009] No.35) and Notice of Sichuan Provincial Department of Labor and Social Security on Relevant Issues Concerning the Pilot Project of New Rural Social Endowment Insurance (Chuan Lao She Ban [2009] No.93),

I. Guiding ideology and basic principles

To carry out the pilot work of the new rural social endowment insurance (hereinafter referred to as the new rural endowment insurance), we should take Scientific Outlook on Development as the guide, aim at improving the basic living standards of the rural elderly, take standardized management and optimized services as the basic requirements, aim at basically covering the rural school-age population, follow the basic principles of "ensuring basic, wide coverage, flexibility and sustainability", adhere to the combination of government guidance and farmers' willingness, and adhere to the reasonable sharing of responsibilities among individuals (families), collectives and the government. Starting from the reality of rural areas, starting from a low level, we will gradually establish a new rural social endowment insurance system whose financing and treatment standards are suitable for the level of rural economic development and all aspects, and are matched with other safeguard measures.

Second, the insurance coverage

Rural residents with household registration in Rong 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, may voluntarily participate in the insurance in our county.

Third, raise funds.

The fund consists of individual contributions, collective subsidies and government subsidies.

(1) individual payment

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 one year 100 yuan, which is divided into five grades: 200 yuan, 300 yuan, 400 yuan and 500 yuan. Insured people can choose their own grades to pay, and pay more. According to the unified requirements of the municipal government, timely adjust the payment grade.

(2) Collective subsidies

Conditional village collectives shall give subsidies to the insured, and the subsidy standard shall be determined by the villagers' committee holding a villagers' meeting. Encourage other economic organizations, social welfare organizations and individuals to provide financial support for the insured.

(3) government subsidies

The government pays the basic pension in full to the eligible insured.

The provincial, municipal and county governments will give basic subsidies to the insured who pay the old-age insurance premium year by year. The subsidy standard is 30 yuan per person per year, and government subsidies will go into personal accounts. Among them, the total provincial financial subsidies are arranged according to 50% of local subsidies, and the province gives subsidies according to the financial level of each pilot area. The rest of the provincial financial subsidies are 50% by the municipal financial subsidies and 50% by the county financial subsidies. Rong county is a pilot county for expanding power, and 50% of the municipal financial subsidies are borne by the provincial finance.

If you choose to pay in 300 yuan, the local government will increase the subsidy to 5 yuan every year; If you choose to pay by 400 yuan, the local government will increase the subsidy 10 yuan every year; If the payment is made in 500 yuan, the local government will increase the subsidy every year 15 yuan. The fund sharing ratio is the same as the basic payment subsidy sharing ratio.

If the payment of old-age insurance premium is interrupted for some reason, I can choose the payment grade to pay the old-age insurance premium in the interrupted year upon my application.

The insured pays the old-age insurance premium to the month that meets the conditions for receiving the pension.

When the severely disabled in rural areas participate in the new rural old-age insurance, the local government will pay the old-age insurance premium according to the minimum standard, and give government subsidies corresponding to the payment grade, which will be included in the personal account. The fund sharing ratio is the same as the basic payment subsidy sharing ratio.

Fourth, establish a personal account.

The new rural insurance personal account is used to record individual contributions, collective subsidies, local government subsidies, other subsidies and interest. The agricultural insurance agency shall establish a personal account for endowment insurance with lifelong records for each insured person. Personal account savings can only be used to pay personal account pensions, and may not be withdrawn in advance or used for other purposes, except in the case of going abroad to settle down or dying. Personal accounts are managed according to the following provisions:

(1) If the insured person goes abroad to settle down or dies, the balance of personal account funds (excluding government subsidies) will be returned to the insured person (or designated beneficiary or legal heir) at one time, and the new rural insurance relationship will be terminated.

(II) Before the introduction of the new rural insurance and other old-age insurance systems, if the insured person changed from rural household registration to urban household registration due to identity change, and did not participate in other old-age insurance such as the basic old-age insurance for urban workers, his personal account was sealed in the original agricultural insurance agency or the amount of his personal account (excluding government subsidies) was voluntarily returned at one time, and his new rural insurance relationship was terminated.

(III) If the insured person is transferred across the overall planning area during the payment period, and the new rural insurance has been implemented in the transfer place, the new rural insurance relationship and personal account storage amount (including government subsidies) will all be transferred to the new insured place at one time, and the new insured place will handle the insurance payment procedures for it.

During the pilot work of the new agricultural insurance, the insured person was transferred across the whole area, but the new agricultural insurance was not implemented in the transfer place, and his personal account was sealed in the original agricultural insurance agency.

(4) After the personal contributions payable by the insured in the current period are paid in full, the agricultural insurance agency will record the government subsidies corresponding to the personal contributions and payment grades in the personal account at the same time, and begin to bear interest from the month when the personal contributions are deposited in the account. Individual contributions and government subsidies should be accounted for and managed separately.

(5) The deposit interest rate of individual accounts shall be determined by the Provincial Department of Human Resources and Social Security and the Provincial Department of Finance with reference to the one-year deposit interest rate of RMB in financial institutions announced by the People's Bank of China.

Verb (abbreviation for verb) pension benefits

Pension treatment consists of basic pension and personal account pension, which is paid for life.

Monthly basic pension = basic pension+personal account pension, in which: the basic pension is 55 yuan per person per month; Personal account pension is the sum of the insured's personal account savings139.

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.

Sixth, the conditions for receiving treatment.

(a) when the new agricultural insurance system is implemented, people who have reached the age of 60 and have not enjoyed the basic old-age insurance benefits for urban employees can receive the basic pension on a monthly basis without paying fees, but their children who meet the conditions for insurance (registered in the rural areas of the county, aged 16 and have not participated in the basic old-age insurance for urban enterprise employees; Not including students at school) should be insured to pay.

(two) the insured person meets the conditions for receiving pension benefits, and shall go through the formalities for receiving pension benefits, and enjoy the pension benefits of the new rural insurance from the next month after reaching the age of 60. When the new rural insurance system is implemented, rural residents who have reached the age of 60 and have not enjoyed the basic old-age insurance for urban workers and other old-age insurance benefits will enjoy the old-age benefits of the new rural insurance from the next month after going through the registration procedures of the new rural insurance and reviewing the eligibility for treatment.

(three) when the new agricultural insurance system is implemented, the payment and overdue payment shall be handled in the following ways:

1, people who have reached the age of 60 and meet the conditions for receiving benefits can receive basic pensions on a monthly basis without paying fees.

2. If the age is less than 15, the payment shall be made on an annual basis, and the pension insurance premium for less than one year may be paid in one lump sum, and the cumulative payment period shall not exceed 15.

If it is repaid within two years from the date of implementation of the new agricultural insurance system, it should be given corresponding government subsidies; If it is paid back for more than two years, it will not enjoy government subsidies.

3. If the age of collection exceeds 15, the payment shall be made annually, and the cumulative payment period shall not be less than 15. If the payment is interrupted, the interrupted endowment insurance premium can be paid back, but the government subsidy is not enjoyed.

(4) When the new rural insurance system is implemented, the insured who is under 15 years of age, fails to pay the old-age insurance premium on an annual basis and fails to pay back the interruption period will not enjoy the old-age benefits of the new rural insurance; Insured persons who have reached the age of 15 from the time of collection, and the sum of the annual payment period and the required payment period does not reach 15 years, do not enjoy the pension benefits of the new rural insurance.

After the implementation of the new agricultural insurance system, if I am over 60 years old but do not meet the conditions for receiving the pension benefits of the new agricultural insurance, the amount stored in my personal account (excluding government subsidies) will be paid to him in one lump sum, and the new agricultural insurance relationship will be terminated.

(five) the insured can only enjoy a pension insurance benefits. For those who repeatedly enjoy other old-age insurance benefits such as the new rural insurance and the basic old-age insurance for urban workers, the social security agency shall, in principle, only recognize the one with higher standards, and other multi-collar old-age benefits shall be recovered.

The insured person shall declare to the agricultural insurance agency in the month when he has the conditions to receive the pension, and provide proof materials such as his household registration book and ID card, and receive the pension on a monthly basis from the month after he has the conditions to receive the pension and goes through the formalities to receive it.

Seven. Treatment adjustment

According to the unified regulations of the provincial government, timely adjust the minimum standard of the new rural insurance basic pension in our county.

Eight. Links to related systems

(a) in accordance with the "notice of the Ministry of Civil Affairs on printing and distributing the county-level rural social endowment insurance scheme (Trial)" (Minfufa [1992] No.2), rural residents who participated in rural social endowment insurance (hereinafter referred to as endowment insurance) were merged in the following ways:

Rural residents aged 65, 438+0 and over 60 who have received the personal account pension of the old rural insurance will receive the personal account pension of the old rural insurance in addition to the basic pension of the new rural insurance according to the prescribed standards.

2. For those who have reached the age of 16 and have not yet reached the conditions for receiving pensions, the agricultural insurance agency will calculate the principal and interest of the old agricultural insurance payment at one time and incorporate them into the personal account of the new agricultural insurance, establish corresponding social security files, and pay insurance premiums according to the relevant provisions of the new agricultural insurance. When they reach the age of 60, they will pay their pensions according to the new agricultural insurance system. If I don't want to merge according to this method, I will refund the principal and interest paid by farmers' personal insurance in one lump sum and terminate the relationship between farmers' insurance and farmers' insurance.

3, 16 years old, who has participated in the endowment insurance, can return the principal and interest paid by the individual at the original agricultural insurance agency on a voluntary basis, terminate the endowment insurance relationship or seal the personal account.

4. The old farmer's insurance did not receive a pension, and the original insurance was in agricultural registered permanent residence, but now it has been converted into an urban resident's account. The principal and interest paid by the old farmer's insurance will be refunded to me in one lump sum, and the relationship between the old farmer's insurance and the old farmer's insurance will be terminated.

(II) According to the Notice of Zigong Municipal People's Government on Launching the Pilot Work of New Rural Social Endowment Insurance (Han [2008]107), the personnel who participated in rural social endowment insurance (hereinafter referred to as Zhongnong Insurance) shall be merged according to the following methods:

1, no pensioner

(1) Before June 30th, 2011year, the principal and interest paid by the former rural insurance company in China were calculated in one lump sum and incorporated into the personal account of the new rural insurance company, and the insurance payment was made according to the relevant regulations of the new rural insurance company; If the insured is unwilling to merge according to this method, the principal and interest paid by Yuan Hua Agricultural Insurance will be returned to him in one lump sum, and the relationship between Huanong Insurance and Huanong Insurance will be terminated.

(2) The person who participated in rural insurance and did not receive a pension, who was originally from agricultural registered permanent residence at the time of insurance, has now turned into an urban resident account, and the individual's rural insurance payment principal and interest will be returned to him at one time, terminating the rural insurance relationship.

2. Pensioners

(1) Before June 30, 201/year, female insured persons who have reached the age of 55 but are under the age of 60 will continue to receive pensions according to the standard of receiving rural insurance, and the basic pension will be adjusted to 55 yuan, and the rest will be personal account pensions. Such personnel do not enjoy the adjustment of basic pension before reaching the age of 60, and enjoy the adjustment of basic pension of new rural insurance after reaching the age of 60. If the insured does not want to merge according to this method, he can deduct the principal and interest paid by the original China agricultural insurance from the total pension received, and then terminate the agricultural insurance relationship. After such personnel are insured according to the provisions of the new rural insurance, if they meet the conditions for receiving the new rural insurance pension, they can go through the formalities for receiving the basic pension of the new rural insurance.

(2) Before June 30, 2065438+01year, people aged 60 or above, whose original receiving standard remains unchanged, have their basic pension adjusted to 55 yuan, and the rest are personal account pensions, can enjoy the adjustment of the basic pension of the new rural insurance. If the insured does not want to merge according to this method, the principal and interest paid by the original China agricultural insurance can be deducted from the total pension received, and the agricultural insurance relationship can be terminated. Such personnel can receive the basic pension of the new rural insurance after being insured according to the provisions of the new rural insurance.

(3) After the death of a person receiving a pension in a rural insurance company, the balance of the original individual payment principal and interest minus the total amount of the pension received shall be returned to the legal heir or designated beneficiary of the insured at one time, and the death and funeral expenses stipulated in Han [2008]107 will no longer be implemented.

Nine. fund management

Establish and improve the financial accounting system of the new agricultural insurance fund. The new agricultural insurance fund is included in the financial special account of social security fund, managed by two lines of revenue and expenditure, accounted for separately, and maintained and increased in accordance with relevant regulations. At present, the new rural endowment insurance fund is temporarily managed at the county level in the pilot stage. With the expansion and opening of the pilot, the overall level has gradually improved.

X. Financial supervision

County-level human resources and social security departments should earnestly perform the supervision duties of the new agricultural insurance fund, formulate and improve the new agricultural insurance business management rules and regulations, standardize business processes, establish and improve the internal control system and fund audit system, conduct real-time monitoring and regular inspection on fund raising, budgeting, disbursement and distribution, and regularly disclose the information on fund raising and payment of the new agricultural insurance fund, so as to be open and transparent and strengthen social supervision. The financial, supervisory and auditing departments shall exercise supervision according to their respective responsibilities, and it is strictly forbidden to misappropriate funds to ensure the safety of funds. The new rural insurance agencies and villagers' committees publicize the eligibility of the insured in the village for payment and treatment within the administrative village every year, and accept the supervision of the masses.

XI。 Processing management service

(A) the establishment of a new agricultural insurance information management system

Under the overall planning and technical framework of social security information system (golden insurance project), a standardized information management system is established. The insured files should be properly kept for a long time according to the regulations. It is necessary to vigorously promote social security cards to facilitate the insured to pay by credit card, receive benefits and inquire about insurance information. Using modern management means to enrich the strength of handling cases and improve work efficiency.

(2) Strengthen handling services.

Strengthen the construction of agricultural insurance handling service system, and form a system with sound institutions, clear job responsibilities, standardized business processes and high-quality window services; Township employment and social security service centers should be equipped with full-time staff; It is necessary to establish village-level employment and social security service stations, equipped with 1-2 full-time and part-time personnel, to ensure the smooth progress of the pilot work of the new rural insurance.

(3) Funding guarantee

The new agricultural insurance funds shall be included in the fiscal budget at the same level, and shall not be spent from the new agricultural insurance fund.

Twelve, seriously organize the pilot.

Township people's governments should effectively strengthen the organization and leadership of the pilot work, increase publicity, and start the implementation of the new rural insurance in strict accordance with the requirements of these measures.

Thirteen. Strengthen organizational leadership

Establish a joint meeting system for the pilot work of the new rural endowment insurance in the county, and be responsible for timely coordinating related issues in the pilot work. There is an office under the joint meeting, which is located in the county human resources and social security bureau.

Relevant departments at the township and county levels should fully understand the great significance of carrying out the pilot work of the new rural insurance and earnestly strengthen organizational leadership. It is necessary to incorporate the pilot work of the new rural insurance into the economic development plan and the annual target management assessment system. County-level human resources and social security departments should earnestly perform the duties of the administrative department in charge of the new agricultural insurance, and jointly with relevant departments do a good job in overall planning, policy formulation, unified management and comprehensive coordination of the new agricultural insurance.

The news media should adhere to the correct direction of public opinion, use popular and easy-to-understand propaganda methods, and strengthen the propaganda of the significance of the pilot work and the basic principles and policies, so as to make this policy of benefiting the people deeply rooted in the hearts of the people and guide school-age farmers to actively participate in the insurance.

Fourteen, these Measures shall be interpreted by the Human Resources and Social Security Bureau.

15. These Measures shall be implemented as of June 20 10, and shall be valid for five years.