Detailed Rules for the Implementation of the Regulations of Beijing Municipality on Basic Endowment Insurance

Detailed Rules for the Implementation of the Measures of Beijing Municipality on Endowment Insurance for Urban and Rural Residents

In order to ensure the smooth implementation of the old-age insurance system for urban and rural residents in this Municipality, these rules are formulated in accordance with the Notice of the Beijing Municipal People's Government on Printing and Distributing the Measures for Old-age Insurance for Urban and Rural Residents in Beijing (J.F.F. [2008] No.49), hereinafter referred to as the Measures for Old-age Insurance for Urban and Rural Residents.

First, the process of urban and rural residents' endowment insurance

(1) Insured persons (including new insured persons and those who continue to pay fees) hold their real-name identity documents and open special passbooks in commercial banks. At the same time, sign a bank withholding agreement.

The bank withholding agreement is made in triplicate, one for the insured, one for the bank and one for the county agent. The agreement is only signed once when opening a special bank passbook.

(2) After the insured person deposits the insurance premium paid in the bank, he can go through the insurance formalities at 1 to 10 every month, and the new insured person can go through the insurance formalities at the street social security office (village committee) where the household registration is located with his household registration book, ID card and special passbook. Those who continue to pay insurance premiums hold special passbooks to the street social security office (village Committee) where the account is located to fill out the Payment Confirmation Form.

(3) The village committee shall submit a copy of the identity certificate of the new insured, the enrollment information form and the renewal payment confirmation form to the township social security office before 13 every month. Street and township social security offices (hereinafter referred to as social security offices) shall enter the contents of the "Participation Information Form" and "Payment Confirmation Form" into the pre-payment information system of urban and rural residents' old-age insurance before 16 every month.

(4) The district and county agencies shall submit the electronic prepayment data summarized by the whole region to the bank for deduction before 18 every month. And before the 20th of each month, we will import the successful information of bank electronic deduction into the urban and rural residents' endowment insurance information system, and import the failed information of electronic deduction into the urban and rural residents' endowment insurance prepayment information system.

(5) The Social Security Institute shall notify the insured person to check according to the information of electronic deduction failure, and correct the wrong information in time. According to the successful information of electronic deduction, the bill of Beijing social insurance special fund will be issued for the successful payer, and the payment statement will be printed for the payer before the end of March of the following year.

Two, urban and rural residents pension insurance payment standard

(1) The endowment insurance premium for urban and rural residents shall be paid annually from April 1 day to February1day.

Insured persons who have reached the age of collection in that year shall pay the insurance premium of that year within the payment time, and enjoy the old-age insurance benefits for urban and rural residents from the second month after reaching the age of collection.

(two) the minimum payment standard is 9% of the per capita net income of rural residents in the previous year. The insured may raise the payment standard according to the economic affordability, and the maximum payment shall not exceed 30% of the per capita disposable income of urban residents in the previous year.

The municipal labor and social security administrative department shall, according to the per capita net income of rural residents and the per capita disposable income of urban residents in the previous year published by the municipal statistics department, issue the minimum payment standard and the maximum payment standard before March 3 1 each year.

(III) When the insured reaches the age of receiving pension, he does not meet the conditions for receiving monthly pension benefits and needs to continue to pay the insurance premium on an annual basis (hereinafter referred to as deferred payment), and the payment standard shall not be less than 9% of the per capita net income of rural residents in this Municipality last year.

Three. Endowment insurance fund for urban and rural residents

(1) Personal account funds (debt funds): individual contributions, collective subsidies, other income and interest.

The new rural social endowment insurance personal account funds into the urban and rural residents' pension insurance personal account.

(2) Transferred funds: the value-added balance other than accrued interest in personal accounts, the balance after the death of the insured without heirs, and other funds.

(3) Basic pension: financial funds subsidized by the government when the insured person receives treatment.

Fourth, personal account interest.

During the accumulation period, the personal account funds shall bear interest by reference to the bank's one-year fixed deposit rate for the same period, and by stages. The insurance premium paid by an individual shall bear interest from the month following the payment. During the accumulation period, when the interest rate of one-year fixed deposit of the bank is adjusted before June 30, the personal account will bear interest at the new interest rate from July of that year 1; During the accumulation period, when the bank's one-year time deposit interest rate is adjusted after June 1, the personal account will bear interest at the new interest rate from June 65438+ 10/of the following year. If the bank's one-year time deposit interest rate is adjusted several times in the same period within half a year, the interest will be calculated according to the last adjusted interest rate.

Five, enjoy the monthly pension insurance for urban and rural residents.

(1) If the insured meets one of the following conditions, he shall enjoy the pension insurance for urban and rural residents on a monthly basis from the month following the age of 60 for men and 55 for women:

1, and the cumulative payment period has exceeded 15 by the implementation date of the Measures for Endowment Insurance for Urban and Rural Residents.

2. On the date of the implementation of the Measures for the Endowment Insurance for Urban and Rural Residents, the personnel who have reached the age of 45 for men and 40 for women (excluding those who have moved into the city's household registration from other places after the implementation of these Measures) will pay continuously according to the prescribed payment standards every year.

(II) After the implementation of the Measures for Urban and Rural Residents' Endowment Insurance, if the payment period is less than 15 years when the men are over 60 years old and the women are over 55 years old, the insurance premium for the difference years will be made up in one lump sum according to the minimum payment standard of the previous year.

(3) If the payment period of the insured person does not meet the requirements of items 1 and 2 in the first paragraph of this article when he reaches the age of collection, he may voluntarily postpone the payment for no more than 5 years, and the payment period shall be extended to meet the requirements; If the accumulated payment period is over five years and still does not meet the provisions of the second paragraph of this article, the premium for the difference period shall be supplemented at one time according to the minimum payment standard of not less than the previous year.

Six, urban and rural residents pension insurance benefits

(a) the monthly pension insurance for urban and rural residents consists of personal account pension and basic pension.

1, personal account pension monthly standard

Personal account pension for urban and rural residents' old-age insurance shall be calculated and distributed in sections.

For those who participated in rural social endowment insurance before July 2004 1, the premium paid before July 2008 1 shall be determined according to the calculation coefficient of 8.8%.

For those who participated in rural social endowment insurance after July 1 in 2004, the premium paid before July 65438+1 in 2008 shall be determined according to the calculation coefficient of 5%.

In 2008, the new rural social old-age insurance premium and urban and rural residents' old-age insurance premium paid by the insured shall be determined according to the number of months of personal account pension for basic old-age insurance stipulated by the state.

Personal account pension payment, paid by the urban and rural residents pension insurance fund adjustment fund; When the adjustment fund pays, it will be supplemented by financial funds until the death of the insured.

2. Basic pension standard

The basic pension is the financial fund subsidized by the government when the insured person accepts the treatment. The standard is unified in the whole city, with 280 yuan per person per month. The funds required for basic pension payment shall be borne by the district (county) and included in the financial budget of the district (county).

(2) One-time pension

When the insured reaches the age of collection, if he does not meet the requirements of enjoying the pension insurance for urban and rural residents on a monthly basis as stipulated in Article 5, he will enjoy the one-time pension treatment, and the treatment will be all the funds in his personal account.

Seven, to receive pension insurance benefits for urban and rural residents program

(1) One month before the insured reaches the age of receiving pension, he shall file an application for receiving pension with the special passbook, household registration book and ID card to the social security office where the household registration is located, and confirm the Application Form for Receiving Endowment Insurance Benefits for Urban and Rural Residents provided by the social security office. Insured persons who meet the conditions of receiving the pension insurance for urban and rural residents on a monthly basis shall confirm the monthly pension standard for individual accounts; Insured persons who do not meet the conditions for receiving the pension insurance benefits for urban and rural residents on a monthly basis shall confirm whether to postpone the payment. If you don't choose to postpone the payment, you will be confirmed to enjoy a one-time pension.

(2) The Social Security Institute shall submit the insured person's application form, special passbook account information, household registration book, copy of ID card and other materials to the district and county agencies within 5 working days.

(three) the county-level agencies to verify the materials of the insured, and in accordance with the following procedures.

1. For those who meet the requirements of receiving pension insurance benefits on a monthly basis, the pension insurance benefits for urban and rural residents will be paid in the next month of their age, and the pension insurance benefits they should receive will be transferred to their special passbook before 15 every month.

2. For those who do not meet the conditions for receiving pension insurance benefits on a monthly basis when they reach the age of collection, they choose to continue to pay insurance premiums on an annual basis. When the conditions for receiving the pension insurance benefits on a monthly basis are met, the pension insurance benefits for urban and rural residents will be paid in the next month when they reach the age of one, and the pension insurance benefits they should receive will be transferred to their special passbook before 15 every month.

3. For those who do not meet the requirements of receiving the pension insurance benefits on a monthly basis when they reach the age of receiving, and do not choose to continue to pay the insurance premiums on an annual basis, the one-time pension benefits will be transferred to their special passbook.

(four) the district and county agencies shall, before the end of each month, prepare the plan for the use of the endowment insurance fund for urban and rural residents next month and report it to the district and county financial departments according to the collection, liquidation and transfer of the endowment insurance benefits. According to the use plan of the endowment insurance fund for urban and rural residents compiled by the district and county agencies, the district and county financial departments shall allocate it in place before the next month 10 to ensure the timely and full payment of the endowment insurance benefits for urban and rural residents.

(5) Every month, the district and county agencies will compare the data of the insured persons in the urban and rural residents' old-age insurance information system with the social insurance information system database, the living allowance database of the employees who have been transferred from land acquisition for construction, the publicly-funded medical information system database and the old-age security database, so as to know how the employees who have participated in the urban and rural residents' old-age insurance can enjoy the retirement fee, resignation fee, basic old-age insurance benefits, regular treatment of work-related injury insurance, pension for the immediate family members of the deceased employees, living allowance for the employees who have been transferred from land acquisition for construction and old-age security benefits.

Eight, the transfer of pension insurance relationship

(1) If the insured person's registered permanent residence moves into other cities, he/she shall apply, and the agency in the moving county shall transfer the insurance relationship together with the principal and interest of the insurance premium paid to the social insurance agency in the moving place. Where the social endowment insurance system has not been established, all the funds in the personal account of the insured person will be returned to the insured person at one time.

(II) If the insured person's registered permanent residence moves between districts and counties in this city, the agency that moves out of the district and county shall transfer its insurance relationship together with the paid insurance premium principal and interest to the agency that moves in, continue to pay insurance premiums and enjoy the old-age insurance benefits for urban and rural residents. If the insured person moves into the county, only the insurance relationship will be transferred.

(III) Persons who have received the pension insurance benefits for urban and rural residents whose registered permanent residence is transferred between districts and counties in this Municipality will no longer apply for the transfer of insurance relationship, and the pension insurance benefits for urban and rural residents will continue to be issued by the districts and counties where the original registered permanent residence is located.

Nine. Connection of insurance system

(1) On the date of implementation of the Measures for Endowment Insurance for Urban and Rural Residents, those who receive pensions according to the provisions of the new rural social endowment insurance system will continue to receive pensions according to the pension standards determined at the time of receipt. In case of adjustment of basic pension benefits, the basic pension will be paid according to the adjusted treatment standard.

(two) have participated in the new rural social endowment insurance, did not reach the age of receiving, should participate in the old-age insurance for urban and rural residents and continue to pay. Its new rural social endowment insurance personal account funds are merged into urban and rural residents' personal accounts, and the payment period of new rural social endowment insurance is included in the payment period of urban and rural residents' endowment insurance.

Before the implementation of the Measures for Endowment Insurance for Urban and Rural Residents, if it is expected that the personal account pension paid in the current month will reach the rural minimum living standard of 2008 1 month, it will not be bound by the payment period, and will enjoy the basic pension when it reaches the age of collection; If the personal account pension received in the month when the insurance premium is expected to be paid does not meet the rural minimum living standard of the county in 2008 1 month, the insurance premium shall be paid on an annual basis in accordance with the provisions of the Measures for Endowment Insurance for Urban and Rural Residents.

The rural social endowment insurance premium paid by the insured before June 5438+February 3, 20071shall be converted into the payment period according to the minimum payment standard of the district and county in 2008. The payment period of each full year is regarded as the payment period of urban and rural residents' endowment insurance, and the payment period of less than one year is not regarded as the payment period of urban and rural residents' endowment insurance.

(III) Persons who have payment records in both urban and rural residents' old-age insurance and basic old-age insurance, when reaching retirement age, meet the conditions of receiving basic old-age insurance benefits on a monthly basis, apply to the social security office where their household registration is located, transfer their personal account funds in urban and rural residents' insurance to basic old-age insurance, and convert urban and rural residents' insurance premiums into basic old-age insurance payment years according to the following provisions, and at the same time, count the converted funds into basic old-age insurance personal accounts and overall funds respectively.

The insurance premiums paid before 1 and 1992 (inclusive) are converted into the payment period of the basic old-age insurance according to the minimum payment base of the basic old-age insurance 1992 (60% of the average social salary in the previous year) and the payment ratio, and the payment period is up to 3 months, and the converted payment period is actually converted.

2. The insurance premium paid from1993 to 1998 shall be converted into the payment period of the basic old-age insurance according to the minimum payment base of the corresponding year of the basic old-age insurance (60% of the average social wage in the previous year) and the payment ratio. The payment period of rural social endowment insurance premium paid in that year is converted into basic endowment insurance at most 12 months, and the converted payment period is less than 65438+.

3. The premium paid after 1999 (including1999) shall be converted into the payment period of the basic old-age insurance according to the minimum payment standard for freelancers in the corresponding year of the basic old-age insurance. When the rural social endowment insurance premium paid in that year is converted into basic endowment insurance, the maximum payment period is 12 months, and the converted payment period is less than 12 months.

4. The remaining old-age insurance premiums for urban and rural residents converted from the payment period of basic old-age insurance in that year will be converted into the payment period of basic old-age insurance for urban and rural residents in the next year, and the payment period of basic old-age insurance will continue to be converted.

(IV) Persons who have payment records in both urban and rural residents' old-age insurance and basic old-age insurance do not meet the conditions for receiving basic old-age insurance benefits on a monthly basis when they reach retirement age. I shall apply to the social security agency in the insured area, and after verification by the district and county agencies, the benefits calculated and paid according to the basic old-age insurance regulations can be transferred to the personal account of urban and rural residents' old-age insurance where the account is located, and the payment period of basic old-age insurance is regarded as the payment period of urban and rural residents' old-age insurance every full year. The pension insurance benefits for urban and rural residents are calculated and distributed according to the following provisions:

1. Persons who have reached the age of receiving old-age insurance for urban and rural residents and meet the conditions of receiving old-age insurance benefits for urban and rural residents on a monthly basis will enjoy the old-age insurance benefits for urban and rural residents from the next month after reaching the age of receiving old-age insurance for urban and rural residents. Over 6 months, according to the provisions of the basic old-age insurance pension benefits from the next month to the county agencies to enjoy the old-age insurance benefits for urban and rural residents.

Do not meet the conditions for receiving the monthly pension insurance for urban and rural residents, can postpone the payment, the longest not more than 5 years. Those who reach the stipulated payment period within the extended payment period will receive the pension insurance benefits for urban and rural residents from the month following their birthdays. If the accumulated payment period is over 5 years and still does not meet the requirements, the pension insurance benefits for urban and rural residents shall be calculated and paid according to the minimum payment standard of not less than the previous year after making up the premium for the different years at one time.

2, did not reach the old-age insurance for urban and rural residents, should continue to pay in accordance with the provisions of the old-age insurance for urban and rural residents. When reaching the age of receiving, the pension benefits for urban and rural residents shall be calculated and paid in accordance with the provisions for receiving the pension benefits for urban and rural residents on a monthly basis.

When reaching the age of receiving, those who do not meet the conditions of receiving the pension insurance for urban and rural residents on a monthly basis may postpone the payment for a maximum of 5 years. In the extension of the payment period to reach the required payment period, in the second month of the specified annual birthday to receive pension insurance benefits for urban and rural residents; If the accumulated payment period is over 5 years and still does not meet the requirements, the pension insurance benefits for urban and rural residents shall be calculated and paid according to the minimum payment standard of not less than the previous year after making up the premium for the different years at one time.

(five) in the same year, both urban and rural residents' old-age insurance and basic old-age insurance have been paid, and the payment period is not accumulated when the number of years is converted.

(VI) Those who have already enjoyed the basic pension, and then enjoy the living allowance for land requisitioners and the pension for the immediate family members of the deceased, will stop issuing the basic pension from the month when they enjoy the treatment. According to my wishes, I can continue to receive my personal account pension on a monthly basis, or I can repay the remaining funds in my personal account at one time.

(7) Those who have paid the old-age insurance for urban and rural residents and enjoyed the regular treatment of work-related injury insurance, living allowance for land requisitioners, and pension for immediate family members of those who died after work, who meet the payment period stipulated in the old-age insurance for urban and rural residents, can receive the personal account pension on a monthly basis or repay the personal account funds in one lump sum; Those who have not reached the stipulated payment period of urban and rural residents' endowment insurance will enjoy a one-time pension treatment, which is all the funds in their personal accounts.

X. liquidation

(1) For those who did not receive the rural social endowment insurance benefits before June 5438+February 3, 2008, and those who have enjoyed the retirement fee and resignation fee of government agencies and institutions, all the funds in their personal accounts will be returned to the insured in one lump sum.

(2) If the insured person dies during the payment period, his legal heir or designated beneficiary shall go through the liquidation procedures at the social security office where the household registration is located within 1 month, and all the funds in the personal account shall be returned to his legal heir or designated beneficiary at one time; If there is no legal heir or designated beneficiary, the street social security office (village committee) shall go through the relevant formalities within 1 month, and pay the funeral expenses according to the standards of urban workers. If the standard of funeral expenses is higher than the accumulated total amount of individual accounts, the funeral expenses shall be paid according to the accumulated total amount of individual accounts; If the standard of funeral expenses is lower than the accumulated total amount of individual accounts, the funeral expenses shall be paid according to the standard, and the remaining funds of individual accounts shall be incorporated into the endowment insurance fund for urban and rural residents.

Xi。 Personal account inheritance

If the insured person dies during the period of receiving pension insurance benefits, his legal heir or designated beneficiary shall go through the inheritance procedures at the social security office where the household registration is located within 1 month, and the remaining part of the personal account shall be returned to his legal heir or designated beneficiary in one lump sum; If there is no legal heir or designated beneficiary, the street social security office (village committee) shall go through the relevant formalities within 1 month, and pay the funeral expenses according to the standards of urban workers. If the standard of funeral expenses is higher than the balance of personal account, the funeral expenses shall be paid according to the balance of personal account; If the standard of funeral expenses is lower than the balance of personal account, the funeral expenses shall be paid according to the standard, and the rest of personal account shall be incorporated into the endowment insurance fund for urban and rural residents.

Twelve. others

(a) people who have enjoyed the monthly pension insurance benefits for urban and rural residents are sentenced to criminal detention or reeducation through labor, and stop enjoying the pension insurance benefits for urban and rural residents. After the expiration of criminal detention, serving a sentence and reeducation through labor, I shall apply for and issue the old-age insurance benefits for urban and rural residents in accordance with the prescribed procedures from the next month after the expiration of criminal detention, serving a sentence and reeducation through labor.

(II) These Rules shall come into force on June 65438+ 10/day, 2009. The Beijing Municipal Bureau of Labor and Social Security shall be responsible for the interpretation of these Provisions. "Notice on Printing and Distributing the Detailed Rules for the Implementation of the Trial Measures for New Rural Social Endowment Insurance in Beijing" (No.200817 of Beijing Labor Society Agricultural Development) shall be abolished at the same time.

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