Regulations of the State Council Municipality on Farmers' Endowment Insurance?

1. Provisions of the State Council on Farmers' Pension?

(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 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. According to the growth of per capita net income of rural residents, the state adjusts the payment grade in a timely manner.

(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 insured who meets the basic pension conditions of the new rural insurance in full, in which the central government gives full subsidies to the central and western regions and 50% subsidies to the eastern regions according to the basic pension standards determined by the central government.

The local government subsidizes the payment of the insured, and the subsidy standard is not lower than the 30 yuan per person per year; Appropriate encouragement may be given to those who choose higher-grade standard payment, and the specific standards and measures shall be determined by the people's governments of all provinces (autonomous regions and municipalities). Local governments pay part or all of the minimum old-age insurance premiums for important disabled people in rural areas and other groups with payment difficulties.

How does the new rural insurance connect with other old-age insurance and security systems?

According to the "Guiding Opinions of the State Council on Launching the Pilot Project of New Rural Social Endowment Insurance", the areas that have already launched rural social endowment insurance with individual contributions as the mainstay and complete personal accounts (hereinafter referred to as rural social endowment insurance) should be well connected with the new rural social endowment insurance system on the basis of properly handling the creditor's rights of rural social endowment insurance funds. In the pilot area of the new rural insurance, all the insured persons who have participated in the new rural insurance, reached the age of 60 and have received the new 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 old-age insurance, and continue to pay according to the payment standard of the new old-age insurance, and enjoy the corresponding treatment when meeting the prescribed conditions.

Measures for the connection between the new rural endowment insurance and other old-age insurance systems, such as the basic old-age insurance for urban workers, shall be formulated by Ministry of Human Resources and Social Security in conjunction with the Ministry of Finance. It is necessary to do a good job in linking the new rural endowment insurance system with the social security of landless farmers, the late reservoir support policy, the rural family planning reward and assistance policy, the rural five-guarantee system, the social preferential treatment system and the rural minimum living security system. The specific measures shall be studied and formulated by Ministry of Human Resources and Social Security and the Ministry of Finance jointly with relevant departments.

What are the payment methods of rural social endowment insurance?

The rural social endowment insurance adheres to the principle of "individual contributions as the mainstay, collective subsidies as the supplement, and national policy support". There are three payment methods: the first is regular payment. This method is usually adopted by regions and people with relatively stable or rich incomes. For example, township enterprises can pay premiums monthly and quarterly, and farmers in rich areas can pay premiums half a year or a year, and the payment can be paid according to the proportion of income or a certain amount. The second is irregular payment. Because of the unstable income, this is the way adopted in most areas. Pay more in good years, pay less in young years and pay less in bad years. Pay when the family income is good, and don't pay when it is bad. The third is a one-time fee. Most of them are older farmers. When they are old, they will pay premiums in one lump sum according to the level of security and receive pensions according to regulations until they are 60 years old.

In addition, when individuals are really unable to pay endowment insurance due to various natural disasters or other reasons, they can temporarily stop paying insurance premiums within a specified time with the approval of the social endowment insurance management department. When the economic situation improves, payment should be resumed. For the premium of the suspension period, it can be made up voluntarily if conditions permit.

How to treat the endowment insurance of landless peasants

Land-expropriated farmers in urban planning areas who meet the requirements of enjoying the minimum living guarantee for urban residents should be included in the minimum living guarantee for urban residents according to regulations. Conditional areas can include landless farmers in the social insurance coverage of urban workers' pension, medical care, unemployment and so on. And through the current urban social security system to solve their basic living security problems. Land-expropriated farmers who have established the rural social endowment insurance system, piloted the new rural cooperative medical system and implemented the rural minimum living security system outside the urban planning area should be included in the corresponding protection scope according to relevant regulations.

Some cities have introduced a new social endowment insurance system for landless farmers, which combines social individual planning with accounts in the system model; In the financing mechanism, individuals, village collectives, streets, districts and cities share the burden; In terms of the source of insurance funds, the payment of landless farmers and village collectives mainly comes from land compensation fees and resettlement subsidies; Street subsidies should be paid from land income or social insurance reserves. The age standard for receiving a pension is 60 for men and 55 for women.

How do employers and migrant workers pay the basic old-age insurance premium?

Employers and individual migrant workers pay the basic old-age insurance premium. The payment base is determined according to the relevant provisions of the basic old-age insurance. The unit contribution ratio is12%; The proportion of individual contributions of migrant workers is 4%~8%, which is withheld and remitted by the unit from my salary, and all of them are included in my personal account of basic old-age insurance (hereinafter referred to as personal account). Migrant workers and employers who have participated in the basic old-age insurance can adjust the payment standard according to these measures.

How do migrant workers handle the transfer, change and cancellation of social endowment insurance?

According to the relevant regulations, if the migrant workers who participate in the social basic old-age insurance terminate or terminate the labor relationship with the employer, their personal accounts for old-age insurance will be sealed by the social insurance agency, and if they re-employ and participate in the basic old-age insurance for urban workers in the overall planning area, the social insurance relationship will be continued. 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.

It can be seen that there are three ways for migrant workers to transfer the old-age insurance relationship: first, if migrant workers who participate in the basic old-age insurance for urban workers in this city leave the overall planning area for re-employment, their social insurance relationship can be transferred to the re-insurance place upon their own application. Second, if the migrant workers who participate in the social basic old-age insurance terminate or terminate the labor relationship with the employer, their personal accounts for old-age insurance will be sealed by the social insurance agency, and if they re-employ and participate in the basic old-age insurance for urban workers in the overall planning area, the social insurance relationship will be continued. Third, 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 go through the one-time termination formalities with my personal ID card at the social insurance agency where I work, and the social insurance agency will pay the amount stored in my personal account in one lump sum.

Due to the change of identity, the old-age insurance has also changed. Migrant workers who become urban residents during the period of participating in the basic old-age insurance according to regulations shall participate in the old-age insurance according to the relevant provisions of the social basic old-age insurance for urban workers. In addition, when a newly established unit or unit is divided, merged, bankrupt, revoked, or recruits or dismisses personnel, it shall go through the registration change or cancellation procedures of the old-age insurance for the unit and its employees at the designated undertaking institution within one month. Agricultural and sideline employees' endowment insurance registration or cancellation of registration procedures shall be handled by their villages. When a unit is divided, merged, bankrupt or revoked, it must give priority to paying off the old-age insurance premiums that should be paid.

Second, land-lost insurance is better than old-age insurance paid by farmers themselves.

Of course, it is more cost-effective to pay lost land insurance.

3. Which is more cost-effective, endowment insurance for landless peasants or rural social security?

Thank you for your invitation and your question.

Hello, boss, there are obvious differences between the old-age insurance for landless peasants and the old-age insurance for rural peasants and rural social security. In fact, the old-age insurance for landless peasants belongs to the category of employee old-age insurance, which is paid by employees themselves in the form of flexible employment, while rural social security belongs to the essential difference of the new rural cooperative medical system.

The endowment insurance for landless farmers is mainly aimed at farmers who have lost their land. If you are an individual who has lost land, you can choose to participate in the endowment insurance for landless farmers, which can give them a chance after retirement!

If you want to participate in the new rural insurance, then although the payment of the new rural insurance will be lower, the pension you can get is also lower, so compared with the employee pension insurance, then, so we choose to participate in the wetland farmers' pension insurance.

Thanks for reading, please add my attention.

4. Is the rural land-expropriated endowment insurance loan cost-effective?

Mainly depends on the loan interest rate. If the loan interest rate is not high, it is still worthwhile.

Generally speaking, the endowment insurance is about 500 yuan every month, and the payment is 15 years, and the payment is about 9w.

Pay back the money every month after retirement for about 2500 or 3 years, and the rest is interest.

The conclusion is that the annualized rate of return is around 100%, and there are basically no wealth management products or loans with such high interest rates, so it is cost-effective in terms of yield.