Is it cost-effective to buy social security for the severely disabled in rural Chengdu?

Slightly different places, but basically refer to the "Guiding Opinions on Carrying Out New Rural Social Pension Insurance Pilot Programs" (Guo Fa [2009] No. 32), "Guiding Opinions on Carrying Out Urban Residents' Social Pension Insurance Pilot Programs" (Guo Fa [2011] No. 18)

Reference:

In order to implement the State Council's "Guidance Opinions on Carrying Out New Rural Social Guiding Opinions on Carrying Out New Rural Social Pension Insurance Pilot (Guo Fa [2009] No. 32), Guiding Opinions on Carrying Out Urban Residents' Social Pension Insurance Pilot (Guo Fa [2011] No. 18) and the Sichuan Provincial People's Government's "Measures for the Implementation of the Pilot Program of New Rural Social Pension Insurance in Sichuan Province" (Sichuan Fu Fa [2009] No. 35), "Notice on the Issuance of Measures for the Implementation of the Pilot Program of Social Pension Insurance for Urban Residents of Sichuan Province (Sichuan Fu Fa [2011] No. 30) (Sichuan Fu Fa [2011] No. 30) and the municipal government "study funding the city's urban and rural persons with severe disabilities to participate in old-age insurance meeting minutes" (Chengfu read [2013] No. 213), the spirit of the city's urban and rural persons with severe disabilities to participate in old-age insurance, and hereby formulate this work program.

I. Scope of funding

The urban and rural persons with severe disabilities who have household registration in the city and hold the People's Republic of China **** and the State Disabled Person's Certificate of the first and second class apply for participation in old-age insurance in accordance with the principle of individual voluntariness and government funding. This Program does not apply to urban and rural persons with severe disabilities who are already employed by an employer.

II. Contribution Standards

(1) Urban and rural persons with severe disabilities aged 16-59 years old for men and 16-49 years old for women shall take 40% of the average monthly salary of on-the-job workers in urban and rural non-private units in the province in the previous year as the basis for contribution, and contribute 20% of the monthly salary to the old-age insurance premiums on an annual basis.

(2) For urban and rural persons with severe disabilities who are 60 years old for men and 50 years old for women, 40% of the average monthly salary of urban non-private sector on-service workers in the province in the previous year is taken as the contribution base, and 20% of the contribution ratio is paid as a lump sum of 15 years' old-age insurance premiums.

Three, funding standards

(a) male 16-59 years old, female 16-49 years old urban and rural persons with disabilities with severe disabilities, in accordance with the provisions of the pension insurance premiums, the government of the province's urban non-private sector on-the-job workers in the previous year, 40% of the average monthly wage as the contribution base, the contribution ratio of 12% standard Subsidies are given on an annual basis for a maximum of 15 years.

(2) For urban and rural persons with severe disabilities who are 60 years old for men and 50 years old for women and above, after paying pension insurance premiums in accordance with the regulations, the government will subsidize the payment of pension insurance premiums for the full 15-year period in a lump sum at the rate of 12%, with 40% of the average monthly salary of urban non-private sector on-site workers in the province in 2013 as the basis for the payment of the premiums.

For persons with severe disabilities who have participated in the city's social pension insurance and have paid contributions for less than 15 years, the government will subsidize them on a yearly basis until they have paid contributions for 15 years from the implementation of this Program; for urban and rural persons with severe disabilities who have paid contributions for 15 years or who have been receiving pension benefits on a monthly basis, the government will no longer subsidize them.

Four, funding and participation procedures

(1) urban and rural persons with severe disabilities (or by their guardians) with their own household registration, ID card, disability card through the village (community) to the domicile of the township (street) Disabled Persons' Federation to voluntarily apply for participation in old-age insurance and fill in the "urban and rural persons with severe disabilities with old-age insurance participation in the approval of the application form for subsidies" (Annex 1, in quadruplicate), the local Disabled Persons' Federation to sign the examination opinion.

(2) Disabled persons' federations at all levels, together with social security agencies, calculate the total amount of funds required for participation in old-age insurance according to the categories and numbers of persons applying for insurance and the processing of loan procedures, prepare the "Chengdu Urban and Rural Pension Insurance Participation Roster for the Severely Handicapped" (Attachment 2 and Attachment 3), and submit the individual contributions, government subsidies and loan fees to social security agencies along with the "Application Forms" of the insured persons. The agency also arranges for staff to assist persons with severe disabilities in applying for pension insurance. At the same time, staff members are arranged to assist persons with severe disabilities to go through the procedures for enrollment in the pension insurance.

(3) After the social security agency receives the individual contributions, loan funds, and the roster and funding transferred by the Disabled Persons' Federation, it will issue a Special Bill for Social Insurance Premiums in Sichuan Province for each insured person and complete the procedures of participation and payment of insurance premiums within five working days.

(4) On the date of implementation of this program, urban and rural persons with severe disabilities who are 60 years old for men and 50 years old for women and above and who are eligible for subsidy must submit an application for subsidy for enrollment in the insurance program by October 31, 2014; urban and rural persons with severe disabilities in the rest of the age group must submit an application for subsidy for enrollment in the insurance program by October every year in order to be eligible for government subsidy.

V. Loan Processing

After men aged 60 or above and women aged 50 or above with severe disabilities in urban and rural areas enroll in the insurance and enjoy the government's subsidy, those who still have difficulties in making individual contributions can use their pensions as a repayment guarantee and apply for a personal credit loan from a financial institution to pay for the portion of the pension premiums that the individual should have paid.

VI. Pension Benefits

(1) Urban and rural persons with severe disabilities who meet the conditions for receiving pensions will be given pension benefits in accordance with the current policy after making a one-time payment in full and being examined and approved by social security agencies on the basis of their ID cards, only child certificates, and personnel files, among other documents.

(2) The death of a severely disabled person who has received an old-age pension or who has not received an old-age pension shall be entitled to death benefits in accordance with the current policy.

VII. Division of Responsibilities

The Municipal Disabled Persons' Federation is responsible for organizing and coordinating the participation of urban and rural persons with severe disabilities in old-age insurance, guiding the district (city) and county Disabled Persons' Federation to do the relevant work, supervising the district (city) and county Disabled Persons' Federations to apply for government subsidies on time and in full, and working with the financial departments to make a good job of the subsidies for budgeting and fund-raising work. Each district (city) County Disabled Persons' Federation is responsible for organizing the qualification examination of urban and rural persons with severe disabilities applying for pension insurance, approving and summarizing the funding for participation, applying to the financial department at the same level for government funding for persons with disabilities participating in the insurance and transferring it to the designated special account of the social insurance fund, and doing a good job of related letters and visits.

The Municipal Finance Bureau is responsible for the collection, management and use of government funding for the participation of urban and rural persons with severe disabilities in old-age insurance, as well as the calculation and disbursement of the amount of financial transfers to the districts (cities) and counties, and the supervision of such transfers. The finance bureau of each district (city) county is responsible for raising government funding for urban and rural persons with severe disabilities to participate in old-age insurance in the region, and cooperating with the Disabled Persons' Federation to make timely and full disbursement of the funding.

The Municipal Social Security Bureau is responsible for formulating the process of participation and payment, guiding the social security agencies of the districts (cities) and counties to do a good job of approving and handling the participation and payment of contributions for persons with severe disabilities, cooperating with the Municipal Disabled Persons' Federation to do a good job of calculating the funding and other related work, and cooperating with the relevant work of the letter and visit. The social security agencies in each district (city) and county are responsible for handling the participation and contribution work of urban and rural persons with severe disabilities, including the establishment of old-age insurance relations, the determination of the relevant contribution period, the collection of old-age insurance premiums, the calculation of old-age entitlements, as well as assisting the participants in applying for loans to pay the premiums, and doing the relevant letters and visits.

Bank of Chengdu and Chengdu Agricultural and Commercial Bank of China are responsible for providing loan support to urban and rural persons with severe disabilities who apply for loans to pay pension insurance; the underwriting bank shall provide the social security agency with the borrower's bank account number.

VIII. Work Arrangements

(1) Disabled Persons' Federation of each district (city) county, finance and social security agencies should cooperate with each other, *** with the publicity and guidance, *** with the completion of the collection of basic information on the insured and the delivery of data, the fund-raising and return of the funds, the processing of the insurance payment and the calculation of the old-age benefits.

(2) The Disabled Persons' Federation, financial and social security agencies of each district (city) and county jointly report the progress of the work (including the categories of participants, the number of participants, the number of recipients of benefits, the total amount of contributions, the government-funded funds and the funds financed by the Disability Insurance Fund) to the Municipal Disabled Persons' Federation, Municipal Finance Bureau, Municipal Bureau of Human Resources and Social Affairs and Municipal Social Security Bureau in October every year.

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