Differences between rural insurance and social security in Ningbo

Rural endowment insurance payment policy:

Insured population: Rural residents who have reached the age of 16 (excluding students at school) and have not participated in the basic old-age insurance for urban workers can voluntarily participate in the new rural insurance at their domicile.

Registration procedures and procedures: 1. The enrollment process takes the village (community, neighborhood Committee) as the unit, and the insured unit goes through the registration formalities. When you are insured for the first time, you should fill in the Registration Form for Participating in Old-age Security (Insurance) Units. 2. Persons who meet the conditions for insurance shall bring their household registration book, original and photocopy of ID card and one-inch bareheaded photos to the labor security management service station in the village (including neighborhood committees and communities, the same below) for insurance. The village is responsible for the preliminary examination of the insured qualification and fill in the "Publicity Form for Farmers' Basic Old-age Insurance Insured Persons" for publicity for one week, and those who have no objection fill in the "Registration Form for Farmers' Basic Old-age Insurance Insured Persons" (hereinafter referred to as the registration form). If the insured is a soldier or a veteran, provide a military service certificate issued by the People's Armed Forces Department, fill in the Application Form for Government Subsidies for Active Servicemen of Basic Old-age Insurance for Farmers, and report it to the town (street) labor security management service office.

Rural endowment insurance system

Elderly people with rural household registration who have reached the age of 60 and have not enjoyed the basic old-age insurance for urban workers can receive a monthly pension.

When the new agricultural insurance system is implemented, those who have reached the age of 60 and have not enjoyed the basic old-age insurance benefits for urban workers can receive the basic pension on a monthly basis without paying fees, but their children who meet the conditions for insurance shall pay insurance premiums; If the age is less than 15, the annual payment is allowed, and the accumulated payment shall not exceed15; If the age is above 15, the fee shall be paid annually, and the accumulated fee shall not be less than 15.

In the pilot area of the new rural insurance, the insured who have participated in the old rural insurance and have reached the age of 60 and received the old 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.

New rural insurance payment standard

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. The state adjusts the payment grade according to the growth of per capita net income of rural residents.

The implementation of the first social insurance law since the founding of New China. According to the insurance law, when employees reach the statutory retirement age, if the payment for participating in the basic old-age insurance for employees is less than 15 years, the payment can be extended to 15 years. If the insured before the implementation of the Social Insurance Law and the extension of payment is less than 15 years after 5 years, it can be paid to 15 years in one lump sum. For those who do not continue to pay after the deferred payment or the accumulated payment period is still less than 15 years, they can apply to transfer to the new rural social endowment insurance or urban residents' social endowment insurance and enjoy the corresponding pension insurance benefits. Unwilling to extend the payment to 15 years or transfer to the new rural social endowment insurance or urban residents' social endowment insurance, you can apply for a one-time payment of personal account storage. The employer fails to pay social security fees or is fined 3 times.

The goal of the Social Insurance Law is to establish a seamless social security system with no defects, no omissions, so that all people can have basic security and no worries in terms of old-age care and medical care. Its formal implementation marks that "national social security" has crossed the concept and entered the implementation stage.

If the payment is less than 15, you can enjoy long-term pension benefits through two channels.

"Accumulated payment 15 years is one of the necessary conditions for the insured to receive pension." For a long time, the insured who paid less than 15 years at retirement can only choose to receive a personal account at one time to terminate the basic old-age insurance relationship. Their old age life lacks stable and long-term effective protection. In this respect, the Social Insurance Law has been greatly improved and expanded, adding two ways: allowing individuals to pay fees to 15 years; Transfer to new rural insurance or urban residents' pension insurance, both of which can make the insured get long-term pension insurance benefits. Payment 15 years is the "threshold" for enjoying long-term treatment.

According to the relevant regulations of the state: "Individuals who participate in the basic old-age insurance will receive the basic pension on a monthly basis if they have paid 15 years when they reach the statutory retirement age". In other words, the minimum payment 15 is a necessary condition for the insured to receive a monthly pension. Zhang Ruishu, deputy director of the Provincial People's Social Welfare Department, said that there are three main considerations for the minimum payment period 15. First of all, the life expectancy in China has reached 73 years. In order to achieve the balance of payments and long-term sustainable development of the old-age insurance system, it is necessary to set a minimum payment period; Secondly, no matter how employed, the payment period is cumulative, and most people can easily reach 15 years; Finally, from the international experience, most countries that implement the contributory old-age insurance system require a minimum payment period according to the actuarial results of long-term fund balance between payment and treatment.

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