How to buy rural medical insurance and endowment insurance for the disabled, and what support policies does the government have?

There are some differences in different places, but basically refer to Guiding Opinions on Launching the Pilot Project of New Rural Social Endowment Insurance (Guo Fa [2009] No.32) and Guiding Opinions on Launching the Pilot Project of Social Endowment Insurance for Urban Residents (Guo Fa [201]18).

Reference:

In order to implement the Guiding Opinions of the State Council on the Pilot Project of New Rural Social Endowment Insurance (Guo Fa [2009] No.32), Guiding Opinions on the Pilot Project of Social Endowment Insurance for Urban Residents (Guo Fa [201]18) and the Implementation Measures of the Pilot Project of New Rural Social Endowment Insurance of Sichuan Provincial People's Government (Chuanfu)

First, the scope of funding.

With the city's household registration, and hold the "People's Republic of China (PRC) Disabled Persons' Card" in urban and rural areas, two severely disabled people, in accordance with the principle of individual voluntary, government funding to apply for old-age insurance. The scheme is not applicable to severely disabled people in urban and rural areas who have been employed by employers.

Second, the payment standard

(a) male 16-59 years old, female 16-49 years old severely disabled people in urban and rural areas, in the last year, 40% of the average monthly salary of employees in non-private units in cities and towns in the province as the payment base, and the old-age insurance premium is paid annually at the rate of 20%.

(2) For severely disabled people aged 60 or above in urban and rural areas, 40% of the average monthly salary of employees in non-private units in cities and towns in the province in the previous year is the payment base, and the old-age insurance premium is paid in one lump sum at the rate of 20%, 15 years.

Three. Funding standard

(a) male 16-59 years old, female 16-49 years old severely disabled people in urban and rural areas, according to the provisions of the payment of old-age insurance premiums, the government for more than a year in the province's urban non-private units on-the-job workers' average monthly salary as the payment base, the payment ratio of 12% of the standard funding once a year, the longest funding time does not exceed/.

(II) After the severely disabled people aged 60 or above and women aged 50 in urban and rural areas pay the old-age insurance premium according to the regulations, the government will take 40% of the average monthly salary of employees in non-private units in cities and towns in the province in 20 13 as the payment base, with the payment ratio of 12%, and pay the old-age insurance premium in a lump sum 15.

For severely disabled people who have participated in the social endowment insurance in our city and whose payment period is less than 15, the government will give subsidies on an annual basis from the date of implementation of this scheme until the payment reaches15; The government will no longer give subsidies to severely disabled people in urban and rural areas who have paid 15 or have received monthly pension benefits.

IV. Financing and insurance procedures

(1) Urban and rural severely disabled persons (or their guardians) bring their household registration book, ID card and disability certificate through the village (community) to the township (street) Disabled Persons' Federation where their household registration is located, fill out the Approval Form for Urban and Rural Severe Disabled Persons' Endowment Insurance (annex 1, in quadruplicate), and the local Disabled Persons' Federation will sign the audit opinion.

(II) Disabled Persons' federations at all levels shall, jointly with social security agencies, calculate the total amount of funds needed to participate in old-age insurance according to the types of insured persons, the number of insured persons and the handling of loan procedures, compile the Chengdu Urban and Rural Old-age Insurance Roster for Severe Disabled Persons (Annexes 2 and 3), and submit individual contributions, government subsidies and loan fees to social security agencies together with the Application Form for Insured Persons. At the same time, arrange staff to assist severely disabled people to apply for old-age insurance.

(III) The social security agency shall, after receiving the individual contributions, loan funds and the "Register" and funding funds submitted by the Disabled Persons' Federation, issue a "Special Bill for Social Insurance Fees in Sichuan Province" for each insured person, and complete the insurance payment procedures within five working days.

(4) On the implementation date of this scheme, eligible severely disabled persons in urban and rural areas who are over 60 years old for males and over 50 years old for females shall apply for insurance subsidy before 20 14 10 3 1; The severely disabled people in urban and rural areas of other ages must apply for insurance subsidies before 10 every year in order to enjoy government funding.

Verb (abbreviation of verb) loan processing

Men over 60 years of age, women over 50 years of age and above, enjoy the government-funded severely disabled people in urban and rural areas, and it is still difficult for individuals to pay, but they can apply for personal credit loans from financial institutions to pay part of the old-age insurance premiums that individuals should pay.

Sixth, pension benefits.

(1) The severely disabled persons in urban and rural areas who meet the conditions for receiving the pension shall enjoy the pension treatment according to the current policies and regulations on the basis of their ID cards, one-child certificates, personnel files and other materials after being audited by social security agencies.

(two) the death of severely disabled persons who have received pensions and have not received pensions shall enjoy death treatment according to the current policy.

Seven. Division of responsibilities

City Disabled Persons' Federation is responsible for organizing and coordinating urban and rural severely disabled persons to participate in endowment insurance, guiding district (city) and county disabled persons' federations to do relevant work, urging district (city) and county disabled persons' federations to apply for government-funded funds in full and on time, and doing a good job in budgeting and fund-raising jointly with the financial department. District (city) County Disabled Persons' Federation is responsible for organizing the qualification examination of urban and rural severely disabled persons with old-age insurance, verifying and summarizing the insured funds, applying to the financial department at the same level for government-funded funds for the insured disabled persons, transferring them into the designated social insurance fund account, and doing a good job in relevant letters and visits.

The Municipal Finance Bureau is responsible for the collection, management and use of government-funded funds for urban and rural severely disabled people to participate in endowment insurance, as well as the calculation, distribution and supervision of the financial transfer payment amount of each district (city), county and city. The finance of each district (city) and county is responsible for raising government-funded funds for urban and rural severely disabled people in the region to participate in endowment insurance, and coordinating with the Disabled Persons' Federation to timely and fully allocate funds.

The Municipal Social Security Bureau is responsible for formulating the insurance payment process, guiding the social security agencies in districts (cities) and counties to do a good job in the verification and handling of the insurance payment for severely disabled people, cooperating with the Municipal Disabled Persons' Federation to do a good job in fund calculation and other related work, and cooperating with relevant letters and visits. Social security agencies in various districts (cities) and counties are responsible for handling the insurance payment for severely disabled people in urban and rural areas, including establishing the old-age insurance relationship, determining the relevant payment period, collecting old-age insurance premiums, calculating and paying old-age benefits, assisting the insured to apply for loan payment, and doing a good job in relevant letters and visits.

Chengdu Bank and Chengdu Rural Commercial Bank are responsible for providing loan support for severely disabled people in urban and rural areas to apply for loans and pay endowment insurance; The lending bank shall provide the social security agency with the borrower's bank account number.

Eight. work arrangement

(a) District (city) County Disabled Persons' Federation, financial and social security agencies should cooperate with each other, * * do a good job in publicity and guidance, and * * * complete the basic information collection and information transmission of the insured, fund raising and return, insurance payment processing and pension treatment calculation.

(II) District (city) County Disabled Persons' Federation, financial and social security agencies jointly report the work progress to the Municipal Disabled Persons' Federation, the Municipal Finance Bureau, the Municipal People's Social Security Bureau and the Municipal Social Security Bureau (including the categories of insured persons, the number of insured persons, the number of recipients, the total payment, government-funded funds and the funds funded by the Residual Insurance Fund, etc.). ) Every year.