New Rural Social Security Policy in Fujian Province

Rural endowment insurance refers to the endowment insurance system with rural non-urban residents as the insurance object. In order to give consideration to fairness; Give priority to self-protection, the state gives policy support, and government organizations and farmers voluntarily combine.

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China has the largest number of elderly people in the world, 75% of whom live in rural areas. According to statistics, there are still many rural people who are not included in social security.

In the basic scheme of endowment insurance in China, there is no difference between farmers who stay in rural areas and those who go to work in cities. Farmers who work in cities are not included in the rural old-age insurance system, nor in the urban old-age insurance system, and are in a blank area of legal protection.

The demand level of rural old-age insurance is relatively low, but if many factors such as urbanization, social development, improvement of living standards, and the economic and social background of people who are insured for old age after 20, 30 or even 40 years are taken into account, the old-age insurance paid now is very small, and there will be cases where old-age insurance cannot provide for the elderly and cover risks.

Many poor villagers can't get insurance, while a few township cadres use their powers to find excuses and use public funds to get insurance for themselves. Endowment insurance has become a tool for these people to seek personal gain, which has affected the operation of endowment insurance and the enthusiasm of the masses for insurance.

New Deal

There are two bright spots in the new policy of rural endowment insurance: first, the financing model has changed greatly; Second, pension benefits have been significantly adjusted.

1. financing mode: socialization of financing is a responsibility sharing mechanism for rural social endowment insurance funds at this stage. It is mainly an individual accumulation account, which consists of a unified fund composed of collective and state subsidies and is managed in a unified way at the prefecture and city levels.

2. Treatment problems:

(1) Each insured person enjoys the subsidy of 30 yuan Municipal Government every year:

In the past, government subsidies were targeted at special groups, but the scope of subsidies in the new old-age insurance policy for urban and rural residents has been greatly expanded to include ordinary insured persons. The insured payment personnel shall be subsidized by 30 yuan per person per year.

(2) Zero compensation insurance:

Urban and rural residents over the age of 60 can receive basic pensions on a monthly basis without paying fees. The standard is 80 yuan per person per month, which is higher than the national standard of 55 yuan per person per month in 25 yuan. However, it is also conditional for the elderly over 60 to enjoy the basic pension without paying. Children who meet the conditions of insurance must pay according to the new policy, and those who have participated in other social endowment insurance are regarded as payment.

In the past, all kinds of old-age insurance policies had to supplement the insurance premiums for a certain period of time. In the future, the social old-age insurance for urban and rural residents in our city will not need to be supplemented. At the same time, eligible elderly people can voluntarily choose to pay the old-age insurance premium in one lump sum according to the three grades of 40 yuan, 60 yuan and 90 yuan each month. In this way, they can not only receive the basic pension in 80 yuan on a monthly basis, but also receive the personal account pension according to the selected grades, and the level of pension benefits will be greatly improved.

For example, the 65-year-old insured chooses the payment grade of 90 yuan, and his distance from 75 years is 10 years, that is, 120 months, and the one-time endowment insurance premium is 90 yuan ×10800 yuan, after deducting the 30 yuan subsidized by the government every year, that is, 30 yuan ×/kloc-0. The monthly pension benefits are 80 yuan (basic pension) +90 yuan (personal account pension) = 170 yuan. Those who enjoy the one-child and old-age allowance can receive a maximum of 190 yuan per month.

(4) Reduce the payment grade:

The new rural social endowment insurance divides the annual payment standard into five grades: 100 yuan, 200 yuan, 300 yuan, 400 yuan and 500 yuan, while retaining two grades of 600 yuan and 900 yuan, which are higher than the national standard, encouraging overpayment and getting more, and gradually narrowing the treatment gap among the pension insurance systems.

For example, at the age of 60, the 900 yuan-level insured receives the pension insurance benefits 194 yuan every month according to the current static calculation method; After 30 years of payment, he will receive pension insurance benefits of 353 yuan per month; After 44 years of payment, you can receive 558 yuan of pension insurance benefits every month.

(5) Cancel the payment period:

People under the age of 45 must have a payment period of more than 15 years, while people aged 45-59 no longer have a minimum payment period, only need to pay annually, and they can only receive a monthly pension when they are 60 years old.

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The current social endowment insurance system has obvious identity characteristics. It is a development trend to eliminate the difference between urban and rural areas and the unfair treatment of the social endowment insurance system based on whether there are urban hukou or not. The unified social security system in urban and rural areas is the inevitable result of the future development of the social endowment insurance system in China.

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