What are the requirements for paying agricultural insurance?

In layman's terms, this is what it means.

This only refers to providing for the aged, but medical care does not mean this.

Agricultural insurance refers to the rural social security system in which the administrative department is responsible for organization and management, rural economic organizations, collective institutions and workers from all walks of life share the obligation to pay old-age insurance premiums, and workers enjoy basic old-age insurance benefits according to the payment status of old-age insurance premiums when they are old. [ 1]

Chinese name

agricultural insurance

Be responsible for ...

competent administrative department

undertake

Obligation to pay endowment insurance premium

type

social security system

1 agricultural insurance summary editor

China's agricultural insurance began to explore from 1986, 199 1 pilot. By the end of 2003, agricultural insurance had been carried out in 3 1 .870 counties (cities, districts and banners) in each province (autonomous region), with a total insurance fund of 25.94 billion yuan and 54.28 million farmers, of which 1.98 million farmers received pensions that year. By the end of this year, the accumulated insurance fund is expected to exceed 40 billion yuan (including the endowment insurance fund for landless farmers), and about 2.2 million people will receive pensions.

agricultural insurance

The State Council, the Central Committee of the Communist Party of China attaches great importance to the work concerning agriculture, countryside and farmers and the coordinated development of urban and rural areas. Proceeding from reality, it is an important content to actively promote the establishment of rural social endowment insurance system in conditional areas.

We should fully implement the spirit of the 16th National Congress of the Communist Party of China and the Third and Fourth Plenary Sessions of the 16th National Congress, follow the requirements of coordinating urban and rural development, improving the social security system and building a well-off society in an all-round way, proceed from the reality of the development level of rural productive forces and the degree of farmers' non-agriculturalization, adopt the strategy of gradually advancing from economically developed areas to economically underdeveloped areas and from affluent groups to farmers, and focus on advancing to areas with rapid urbanization. Actively establish a rural old-age insurance system that is compatible with the level of rural economic development, bring qualified regions and groups into the social old-age insurance system, and gradually expand the coverage and improve the treatment level with the social and economic development and urbanization process.

Conditional areas mainly refer to areas with rapid urbanization, good local financial situation and the ability of the government and collectives to give certain financial support to farmers' insurance. Among them, the suburbs are the most qualified areas to take the lead in establishing the agricultural insurance system.

Accelerating the establishment of suburban rural insurance system is an urgent need to safeguard farmers' fundamental interests and social stability in the process of industrialization and urbanization. The second is the realistic need to promote a new round of economic growth in cities; Third, implement Scientific Outlook on Development, coordinate urban and rural development and improve the social security system.

2 insurance process editing

The insured person of agricultural insurance holds his household registration book and ID card to the village committee or township agricultural insurance office to go through the insurance formalities, and fill in the Registration Form of New Rural Social Endowment Insurance. The village committee will submit the relevant materials to the county social security or agricultural insurance agency in time through the township labor security office. After the county-level social security or agricultural insurance agencies verify the relevant information of the insured, the bank will issue a new rural social endowment insurance bank passbook for the new insured, and then the township labor security office will issue it to the insured.

The insured person will deposit the money directly into the designated bank with the bank passbook, or the social security agency and the township office will collect it from the village Committee in conjunction with the designated bank.

3 transport program editor

Declaration of transfer

1. The insured unit or I shall apply for urban insurance and urban insurance in the rural (county) agricultural insurance institution where I transferred to, submit relevant materials, and instruct individuals to fill out the Personal Account Change Declaration Form after being approved by the agricultural insurance institution; Batch transfer of personnel, by the insured households to fill out the "personal account collective change declaration form".

2 township (county) agricultural insurance institutions operators input to the city insurance, town insurance related declaration information.

3. The system automatically judges whether the person has funds in this township. Otherwise, the prompt cannot handle the transfer-out declaration.

4. If I still have funds in other towns and villages, the system will prompt me to go through the transfer procedures in other towns and villages, and the township agricultural insurance institution will declare the change of individual accounts of multi-account employees.

5. Accept the notice of the transfer of the entrustment relationship and submit it to the relevant parties.

6 in the township, the township agricultural insurance institutions will upload the relevant materials and forms to the county agricultural insurance center within 5 working days after acceptance.

Transfer audit

1. The county agricultural insurance center shall, within 5 working days after receiving the relevant information and forms uploaded by the township, conduct the transfer-out declaration review according to the declaration information transferred to the municipal insurance and the town insurance.

2 unqualified audit, the information and forms will be returned to the township, the township to cancel the declaration.

Transfer to rural insurance

Township agricultural insurance agencies in the operation of agricultural insurance payment, do not meet the conditions of the city (town) to receive a monthly pension in the city's rural household registration personnel to carry out agricultural insurance operations.

4 transmission program editing

Handle the transfer of workers' social insurance relationship between city insurance, town insurance and rural insurance.

Township labor security service center or district and county rural social endowment insurance management center.

Insured units should go to the township labor and social security service center where the unit is located to apply for transfer-out declaration.

Among them, foreign-funded enterprises and township labor service companies should go to the county rural social endowment insurance management center where the unit is located to apply for transfer-out declaration.

Work according to the Notice on Relevant Issues Concerning the Transfer and Cohesion of Employees' Social Insurance Relationship in this Municipality (Shanghai Labor Insurance Agricultural Development Agency [2004] 1No.).

Application conditions: social insurance relationship transferred from rural insurance: employees in this city participate in urban insurance and urban insurance. Transfer of social insurance relationship to agricultural insurance: "agricultural household registration" personnel who meet the conditions for receiving agricultural insurance pension can apply for transfer of social insurance relationship to agricultural insurance.

5 Aggregation Rule Editor

In order to make the "new rural insurance" more humanized, five special group insurance convergence regulations are formulated:

First, transfer personnel, who transfer to participate in the basic old-age insurance for urban workers after participating in the "new rural insurance", can participate in the payment of agricultural insurance, and can convert the payment period according to the payment base and proportion of the corresponding annual "urban insurance"; [2]

Second, migrant workers, who do not meet the conditions when they reach retirement age, will transfer their funds to the local county agricultural insurance agency according to the one-time treatment of urban insurance, enjoy pension benefits according to the new rural insurance, and participate in the payment of urban insurance 1 year, which is regarded as the payment period of new rural insurance 1 year;

Third, urban household registration personnel who receive pensions according to the "agricultural insurance" treatment can continue to enjoy the "agricultural insurance" treatment if they do not enjoy other social insurance benefits;

Fourth, those who have received pensions according to the "agricultural insurance" treatment will no longer enjoy the basic pension if their condition changes and they enjoy the living allowance for the over-transferred personnel and the pension for the immediate family members of the deceased;

Fifth, before the implementation of the "Trial Measures", women who have participated in the "rural insurance" and have reached the age of 55 will enjoy the "new rural insurance" treatment on a monthly basis since the implementation of the "Trial Measures", and the personal account pension will be determined according to the corresponding calculation coefficient of 60 years old. The personal account of the "new rural insurance" can be inherited.

6 source of funds editor

Among the three major sources of funds for the new rural endowment insurance, the "collective subsidy" is basically zero in many poor areas, which is unpredictable; "Individual payment" is also facing the same dilemma as "old farmer's insurance". What if farmers have no money to pay insurance? The core of the "new rural insurance" is the government finance, especially the central finance. So, where should the huge basic pension come from? In my opinion, the source of central financial subsidies, the ability of local finance to pay, and whether the "new rural insurance" can be fully covered as soon as possible should be the three most noteworthy points in the inclusive "new rural insurance" policy.

agricultural insurance

First, the source of financial subsidies for the new rural endowment insurance not only directly determines the strength of benefiting farmers, but also determines the popularization speed and public evaluation of the new rural endowment insurance. Ministry of Human Resources and Social Security officials revealed that "5% of Polish central financial expenditure is used for farmers' old-age insurance, while China's central finance does not have this money. "According to" study times "report, the annual financial expenditure of China government and institutions going abroad at public expense is 300 billion, and the total annual bus consumption and public funds for eating and drinking is more than 600 billion. If we can reduce the "three public consumption" by saving administrative expenses and invest more financial funds in the shortcomings of the "new rural insurance", it will kill two birds with one stone. In addition, can the annual dividends paid by state-owned enterprises, state-owned shares held by social security funds and even abundant foreign exchange reserves be allocated to the "new rural insurance" in proportion?

Secondly, if the "new rural endowment insurance" adopts the mode of direct payment from local finance and subsidies from the central government, whether farmers can directly benefit depends on the ability and willingness of local finance to pay. How to ensure that local finance will not embezzle and misappropriate central financial subsidies, and how to ensure that local finance fully arranges funds for the payment of the "new rural insurance" will be the most critical. In addition, the distribution mode of "new rural insurance" also needs a perfect scheme design. If the basic pension payment repeats the mistake of direct grain subsidies being intercepted and deducted by local and collective governments, it will completely change the original intention of the inclusive "new rural insurance" system. This requires supporting measures to severely punish violations of laws and regulations, as well as a supervision mechanism that the general public can fully participate in.

Third, if it is fully covered in 2020, is it a bit late? Not long ago, it was reported that the relevant departments decided to implement the new rural social endowment insurance pilot in 10% counties (cities, districts) from 2009, and it will cover the whole country by 2020. Obviously, the 10% pilot is a bit small, and it is a bit late to fully cover it before 2020.

7. Guide the editor

Guiding Opinions of the State Council on the Pilot Project of New Rural Social Endowment Insurance

Release date: September 0, 20091

Guo Fa [2009] No.32 People's governments of all provinces, autonomous regions and municipalities directly under the Central Government, ministries and commissions and institutions directly under the State Council:

According to the spirit of the 17th National Congress of the Communist Party of China and the Third Plenary Session of the 17th Central Committee, the State Council decided to launch a new rural social endowment insurance (hereinafter referred to as the new rural social endowment insurance) pilot in 2009. The following guiding opinions are put forward on the pilot work:

I. Basic principles

The new rural old-age insurance should hold high the great banner of Socialism with Chinese characteristics, take Deng Xiaoping Theory and Theory of Three Represents as the guidance, thoroughly implement Scientific Outlook on Development, and gradually solve the problem of rural residents' old-age security according to the requirement of accelerating the establishment of a social security system covering urban and rural residents. The basic principle of the new rural insurance pilot is "basic, wide coverage, flexible and sustainable". First, starting from the reality of rural areas, starting at a low level, and the standard of financing and treatment should be adapted to economic development and affordability in all aspects; Second, individuals (families), collectives and governments share responsibilities reasonably, and rights correspond to obligations; Third, the combination of government-led and farmers' wishes will guide rural residents to participate in insurance; Fourth, the central government has determined the basic principles and major policies, and local governments have formulated specific measures to implement territorial management of insured residents.

Second, the mission objectives

Explore the establishment of a new rural insurance system that combines individual contributions, collective subsidies and government subsidies, and implement the combination of social pooling and individual accounts, which are matched with other social security policies and measures such as family pension, land security and social assistance to ensure the basic livelihood of rural residents in the elderly. In 2009, the pilot project covered 65,438+00% counties (cities, districts and banners) in China. After that, the pilot will be gradually extended to the whole country, and by 2020, the full coverage of rural school-age residents will be basically realized.

Third, the scope of insurance.

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 may voluntarily participate in the new rural insurance at their domicile.

Fourth, raise funds.

The new agricultural insurance fund consists of individual contributions, collective subsidies and government subsidies.

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

(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 standard old-age insurance premiums for groups with payment difficulties such as severely disabled people in rural areas.

Five, the establishment of personal accounts

The state establishes a personal pension insurance account with a lifetime record for each new rural insurance participant. Individual contributions, collective subsidies, subsidies to the insured by other economic organizations, social welfare organizations and individuals, and subsidies to the insured by local governments are all credited to personal accounts. At present, the amount stored in personal accounts bears interest every year with reference to the one-year RMB deposit rate of financial institutions announced by the People's Bank of China.

Sixth, pension benefits.

Pension treatment consists of basic pension and personal account pension, which is paid for life.

The basic pension standard set by the central government is 55 yuan per person per month. All localities can raise the basic pension standard according to the actual situation. For rural residents who have paid for a long time, the basic pension can be appropriately increased, and part of the increased and increased funds will be paid by local finance.

The monthly calculation and payment standard of personal account pension is the total amount of personal account divided by 139 (the same as the current calculation and payment coefficient of personal account pension of basic old-age insurance for urban employees). When the insured dies, the balance of personal account funds can be inherited according to law, except for government subsidies; The balance of government subsidies is used to continue to pay the pensions of other insured persons.

Seven, pension benefits to receive conditions

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 participation should 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.

It is necessary to guide young and middle-aged farmers to actively participate in insurance and pay for a long time. If they pay for a long time, they will pay more. The specific measures shall be formulated by the people's governments of all provinces (autonomous regions and municipalities).

Eight, treatment adjustment

According to the economic development and price changes, the state adjusts the national minimum standard of basic pension for new rural insurance in a timely manner.

Nine. fund management

Establish and improve the financial accounting system of the new agricultural insurance fund. The new agricultural insurance fund is included in the financial special account of social security fund, managed by two lines of revenue and expenditure, accounted for separately, and maintained and increased in accordance with relevant regulations. In the pilot stage, the new agricultural insurance fund is temporarily managed at the county level, and with the expansion and opening of the pilot, the management level is gradually improved; Where conditions permit, provincial management can also be directly implemented.

X. Financial supervision

The human resources and social security departments at all levels should earnestly perform the supervision duties of the new rural endowment insurance fund, formulate and improve the management rules and regulations of the new rural endowment insurance business, standardize business processes, establish and improve the internal control system and fund audit system, monitor and regularly check the fund raising, transfer and distribution, and regularly disclose the information on the new rural endowment insurance fund raising and payment, so as to be open and transparent and strengthen social supervision. The financial, supervisory and auditing departments shall exercise supervision according to their respective responsibilities, and it is strictly forbidden to misappropriate funds to ensure the safety of funds. The new agricultural insurance agencies and villagers' committees in the pilot areas publicize the payment qualifications and treatment of the insured in the village within the administrative village every year, and accept the supervision of the masses.

XI。 Processing management service

To carry out the new rural insurance pilot areas, we should carefully record the payment and treatment of rural residents, establish insurance files, and keep them properly for a long time; Establish a national unified new rural endowment insurance information management system, incorporate it into the construction of social security information management system ("Golden Insurance Project"), and share information resources with other citizen information management systems; It is necessary to vigorously promote social security cards to facilitate the insured to pay by credit card, receive benefits and inquire about insurance information. According to the principle of streamlining efficiency, the pilot areas should integrate the existing rural social service resources, strengthen the capacity building of the new rural insurance, use modern management methods and the government to purchase services, reduce administrative costs and improve work efficiency. The new agricultural insurance funds shall be included in the fiscal budget at the same level, and shall not be spent from the new agricultural insurance fund.

Twelve. Links to related systems

In areas where rural social endowment insurance (hereinafter referred to as endowment insurance) has been carried out with individual contributions as the mainstay and individual accounts complete, it is necessary to properly handle the creditor's rights of the endowment insurance fund and make a good connection with the new endowment insurance system. 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 rural insurance, and continue to pay according to the payment standard of the new rural 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 agricultural insurance system with social security for landless peasants, reservoir resettlement support policies, rural family planning reward and assistance policies, rural five-guarantee support, social preferential treatment, rural minimum living security system and other policy systems. 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.

Thirteen. Strengthen organizational leadership

The State Council set up a leading group for the pilot work of new rural endowment insurance to study and formulate relevant policies, supervise and inspect the implementation of policies, summarize and evaluate the pilot work, and coordinate and solve the problems in the pilot work.

Local people's governments at all levels should fully understand the great significance of carrying out the pilot work of the new rural insurance, incorporate it into the local economic and social development plan and the annual target management assessment system, and earnestly strengthen organizational leadership. Human resources and social security departments at all levels should earnestly perform the duties of the administrative department in charge of the new agricultural insurance, and do a good job in overall planning, policy formulation, unified management and comprehensive coordination of the new agricultural insurance in conjunction with relevant departments. Pilot areas should also set up a pilot work leading group to be responsible for the pilot work in this area.

Fourteen, formulate specific measures and pilot implementation plan.

The people's governments of all provinces (autonomous regions and municipalities) shall, in accordance with this guidance, formulate specific measures for the pilot project and report them to the leading group for the pilot project of new rural endowment insurance in the State Council for the record; On the basis of full investigation, multi-party demonstration and careful calculation, we should put forward a feasible pilot implementation plan, select pilot areas as required, and report to the leading group for the pilot work of the new rural endowment insurance in the State Council for approval. The pilot implementation plan of pilot counties (cities, districts and banners) was implemented after being approved by the people's governments of all provinces (autonomous regions and municipalities) and reported to the leading group for the pilot work of new rural endowment insurance in the State Council for the record.

Fifteen, do a good job in public opinion propaganda.

Establishing a new rural endowment insurance system is an important decision to thoroughly implement Scientific Outlook on Development and accelerate the construction of a social security system covering urban and rural residents. This is an important measure to cope with the international financial crisis and expand domestic consumption demand. It is an important basic project to gradually narrow the gap between urban and rural areas, change the dual structure of urban and rural areas and promote the equalization of basic public services. It is also an important policy of benefiting the people to realize rural residents' sense of security, promote family harmony and increase farmers' income.

All regions and relevant departments should adhere to the correct direction of public opinion, use easy-to-understand propaganda methods, and strengthen the propaganda of the significance of the pilot work and the basic principles and policies, so as to make this policy of benefiting the people deeply rooted in the hearts of the people and guide school-age farmers to actively participate in insurance.

All localities should pay attention to the study of new situations and problems in the pilot process, actively explore and summarize the methods and experiences to solve new problems, properly handle the relationship between reform, development and stability, and do a good job in the pilot work. Important information should be reported to the leading group for the pilot work of the new rural insurance in the State Council in a timely manner.

the State Council

September 2009 1 day

8 involves problem editing

The current rural social endowment insurance is mainly based on individual contributions, supplemented by collective subsidies, and the policy is appropriately inclined. There are many problems in actual operation, which have been criticized. In this context, the new rural old-age insurance pilot is an inevitable requirement for the development of rural old-age insurance system under the new situation. Its security characteristics not only help to solve the problem of rural residents' old-age care, but also narrow the national treatment between urban and rural residents and alleviate social contradictions.

First of all, how to ensure that the funds related to the new rural insurance can be effectively supervised. One of the characteristics of the new rural insurance is that the payment structure has changed from the past individual payment to the basic pension and personal account pension. The basic pension is fully guaranteed by the state finance.

Secondly, how to establish a new management model of "new rural social endowment insurance". The new rural old-age insurance requires relevant departments to improve the unified implementation of the new rural old-age insurance system, fund raising, the establishment and management of personal accounts, the socialized distribution of pensions and other related matters to ensure the fairness and transparency of pension management and use.

Finally, how to win public recognition and trust. The problematic old farmer's insurance still leaves doubts or sequelae in the hearts of farmers. To change this distrust, on the one hand, the country needs to be more detailed, specific and easy to understand in policy propaganda. At the same time, the relevant departments should gradually bring the rural social endowment insurance into the whole social insurance system, and establish a management system that is convenient for farmers to inquire and check their contributions at any time. In addition, it is necessary to improve the social pension payment system that is convenient for farmers to receive, reduce unnecessary intermediate links, and fully reflect the advantages of the new rural insurance.

The new rural endowment insurance is an important event involving the vital interests of farmers. This policy of benefiting farmers requires relevant departments to establish a unified organization, separation of politics and business, sound mechanism, strong supervision, and relatively separation of collection and management and support. Only by eating these "reassurances" can we give full play to the protection role of the new rural insurance and let the peasants enjoy the same national treatment.

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