Research on Social Security Policy of New Countryside in Hebei Province

First, the new rural family pension insurance 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.

Participate in the process:

1. The insured unit is the village (community, neighborhood committee), and the insured unit shall go through the registration formalities. The insured person fills in the "Registration Form for Participating in Old-age Security (Insurance) Units" when he is insured for the first time;

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 and social 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 of the insured person of the basic old-age insurance for farmers for one week, and fill in the registration form of the insured person of the basic old-age insurance for farmers without objection (hereinafter referred to as the registration form).

3. If the insured person is a soldier or a veteran, provide a military service certificate issued by the People's Armed Forces Department, fill out the Application Form for Government Subsidy for Active-duty Soldiers of Basic Old-age Insurance for Farmers, and report it to the town (street) labor security management service office.

Second, the rural family pension insurance system

1, who has reached the age of 60 and does not enjoy the basic old-age insurance for urban workers, can receive a monthly pension;

2, after the implementation of the new agricultural insurance system, has reached the age of 60, did not enjoy the basic old-age insurance for urban workers, do not have to pay, you can receive a monthly basic pension, but their children who meet the conditions of insurance should pay insurance;

3, from the age of less than 15 years, should be paid annually, but also allowed to pay back, the cumulative payment does not exceed 15 years;

4. If the age is over 15 years, it shall be paid year by year, and the accumulated payment shall not be less than 15 years;

5. In the pilot area of the new rural insurance, the insured who has participated in the old rural insurance and has 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 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.

Three, the rural family pension insurance payment standard

Rural residents who participate in the new rural social endowment insurance shall pay endowment insurance premiums in accordance with relevant regulations. At present, the payment standards are set at 500 yuan, 700 yuan, 900 yuan, 1 100 yuan, 1300 yuan, 1500 yuan, 1700 yuan, 1900 yuan, 2 100 yuan, 20. Insured residents can freely choose according to the above grades, and pay more. The state will also appropriately adjust the payment level according to the growth of per capita income of rural residents.

Four, rural family pension insurance subsidies

Collective subsidy: conditional village collectives can grant subsidies to the insured. The relevant subsidy standards shall be determined democratically by the villagers' committee convening the villagers' meeting. Actively encourage other economic organizations or individuals to provide financial support for the insured.

Government subsidy: the government will pay the basic old-age insurance premium of the new rural endowment insurance in full to those who meet the qualification conditions, of which the central government will give full subsidy to the western region and 50% subsidy to the eastern region according to the basic old-age pension standard determined by the central government.

5. How to calculate and distribute the rural family pension insurance?

1. Pension consists of two parts, one is the basic pension amount, and the other is the monthly pension amount of personal account. The basic pension standard set by the central government is 55 yuan per person per month. Local governments can raise the basic pension standard according to the actual situation, and for rural residents who pay for a long time, they can appropriately increase the basic pension, and part of the increased funds will be paid by local governments;

2. The monthly calculation and payment standard of personal account pension is the total storage 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;

3, the balance of government subsidies for the continued payment of other insured pensions.

Six, the retirement age of rural residents' pension insurance

According to the regulations, when the new rural insurance policy is implemented, people over 60 years old are called "old people", people between 46 and 59 years old are called "middle people" and people under 45 are called "new people". Different policies are implemented for these three types of people. At the beginning of the new rural insurance pilot, people over 60 years old can enjoy the basic pension as long as their children are insured; Rural residents aged 46 to 59 who pay less than 15 years can pay the fees according to the actual years, or they can pay the premiums in one lump sum, and the local financial subsidies will be in place at the same time. After the pilot is started, the insured persons under 45 years of age will not enjoy the one-time payment policy, but will pay annually, and the accumulated payment will not be less than 15 years.

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