Measures for the implementation of social endowment insurance for urban and rural residents in Guangdong Province (hereinafter referred to as "measures for urban and rural residents insurance") formally solicited opinions from the public. The promulgation of the measures combines the new rural social endowment insurance (hereinafter referred to as the "new rural endowment insurance") implemented in Guangdong since 2009 and the urban residents' Endowment Insurance (hereinafter referred to as the "urban housing insurance") implemented since then, involving a total of about 24600000 insured in the province. See the following for details of the new regulations of endowment insurance in Guangdong in 2019.
Urban and rural residential insurance: the payment file is raised to 3600 yuan / year
Yesterday, measures for the implementation of social endowment insurance for urban and rural residents in Guangdong Province (hereinafter referred to as "measures for urban and rural residents insurance") formally solicited public opinions. The new rural social endowment insurance (hereinafter referred to as the "new rural endowment insurance") and the urban residents endowment insurance (hereinafter referred to as the "urban resident insurance") implemented since 2009 have been combined into one, involving more than 24.6 million insured people in the whole province.
In addition, the method improves the individual payment standard of the insured, and increases the upper limit of payment from 500 yuan of the original new rural insurance and 1000 yuan of the "urban residential insurance" to 3600 yuan, which means that people with economic conditions can choose higher payment standards in the future, and conditional collective economic organizations can give payment subsidies to the insured, and the treatment of the insured will be correspondingly improved in the future.
The combination of two insurances does not affect the treatment
It is understood that in addition to the current endowment insurance for urban workers, Guangdong has started to implement a new type of rural social endowment insurance since 2009. By then, the endowment insurance for urban residents has also begun to be implemented. The "urban and rural residential insurance measures" issued this time is to combine the two pension insurance systems. According to the relevant person in charge of the agricultural insurance Department of the Provincial Department of human resources and social security, by the end of last year, the number of insured persons of the two types of insurance in the province had reached 24.6 million.
According to the provisions of the draft, the combination of the two systems does not affect the current population of new rural insurance and urban residents insurance. They will be integrated into urban and rural residents' social endowment insurance. Among them, 'the former participants in the new rural insurance and urban residents' insurance are integrated into the social endowment insurance of urban and rural residents, and the fund of the new rural insurance or urban residents' insurance personal account is integrated into the individual account of urban and rural residents' endowment insurance. The total payment period of the new rural insurance or urban residents' insurance is the payment period of urban and rural residents' endowment insurance. Those who have not yet met the conditions for receiving endowment insurance benefits shall continue to pay. Those who have already received the endowment insurance treatment in accordance with the provisions of the new rural insurance or urban residential insurance shall continue to receive the endowment insurance treatment in accordance with these measures.
Account raising: individual account = individual payment + collective subsidy + government subsidy
According to the provisions of the measures for urban and rural residential insurance, the pension benefits of urban and rural residents are composed of basic pension and individual account pension, which are paid for life. Different from the old-age insurance for urban employees, the old-age insurance for urban and rural residents includes not only individual contributions into the individual account, but also collective subsidies, government contributions and other sources of contributions into the individual account. The individual account deposit shall bear interest at the one-year deposit rate. However, the insured shall not surrender or withdraw the individual account deposit in advance.