In the past, people said that raising children to prevent old age, but now this era is different from the past. Now almost everyone pays old-age insurance. With old-age insurance, people's basic life after retirement is guaranteed. They don't have to rely entirely on their children to support, which also reduces a lot of burden for their children's families. So how many years after the rural endowment insurance is paid in 2019? This must be the problem that friends who pay old-age insurance want to know most. The small editor of this article will tell you how many years you can get a pension after paying rural old-age insurance, and what are the standards and procedures for getting a pension.
1、 What is rural endowment insurance?
We generally say that the rural old-age insurance refers to the new rural social old-age insurance, also known as the new rural insurance. It is a social pension system organized and implemented by the government. Its financing mode is individual payment, collective subsidy and government subsidy. among
1. Individual payment means that the insured selects an appropriate level for payment. In some areas, the payment level can be added according to local emergencies. In addition, the state will adjust the payment level in time according to the growth of per capita net income of rural residents.
2. Collective subsidies are not available in all places. Conditional village collectives can give appropriate subsidies, and the standard of subsidies shall be determined by the villagers' meeting held by the village committee.
3. Government subsidies vary according to different payment levels.
2、 How many years can rural endowment insurance be paid to receive pension?
1. According to China's regulations, when the new rural insurance system was implemented (implemented in September 2009), those who have reached the age of 60 and do not enjoy the basic old-age insurance benefits for urban employees do not need to pay, and can receive the basic old-age pension on a monthly basis, but their children who meet the insurance conditions shall participate in the insurance and pay; If the age of receiving is less than 15 years, the payment shall be made annually, and supplementary payment is also allowed, and the cumulative payment shall not exceed 15 years; If the age of receiving is more than 15 years, the payment shall be made annually, and the cumulative payment shall not be less than 15 years. Therefore, the general rural old-age insurance can receive the pension after paying for 15 years, but the longer the payment time and the higher the grade, the higher the pension amount.
2. Rural endowment insurance generally has 13 grades, ranging from 100-4000 yuan / year. The insured chooses the grade to pay according to their taboo situation. The higher the grade of payment, the more government subsidies and future pensions will be received.
3. Residents who have not purchased endowment insurance for enough years can make up the payment. Generally, as long as qualified farmers, male aged 45 and female aged 40, can make up payment for up to 10 years at a time. When men reach the age of 45 and women reach the age of 40, they can make a supplementary payment for 15 years at a time.
Of course, there are some differences in the policies on supplementary payment in different regions. Friends who don't understand have to consult the local civil affairs department.
3、 What are the standards and procedures for rural old-age insurance pension?
1. Due to different payment grades and payment years, the amount and standard of rural pension are not the same. When reaching the pension standard, the monthly pension received is the sum of basic pension + personal account, and then divided by 139, the amount obtained is the pension amount.
In 2., the elderly who are over 60 years old and who do not enjoy the basic old-age insurance benefits of urban workers can receive pensions by registered residence. The procedures for receiving are:
(1) Apply for the collection procedures (fill in the collection application form and return the payment voucher) at the agent of the administrative village or the enterprise or institution where you are located;
(2) The village level shall be reported to the Township insurance management organization, the township shall confirm the eligibility after passing the examination, and then report the 'pension declaration list', 'payment certificate' and individual 'payment record card' to the district and county insurance organization.
(3) After determining the receiving amount, issue the receiving certificate and issuing card, and the insured can receive the pension in the village or township with the certificate.