When will rural endowment insurance be implemented? On October 15, 2011, the state issued a new rural endowment insurance policy, which brings greater social welfare to the masses. The time of rural endowment insurance in China is determined. The following is the main content of the new policy. Let's have a look.
1、 Basic principles
The new rural social security system should hold high the great banner of socialism with Chinese characteristics, take Deng Xiaoping Theory and the important thought of "Three Represents" as the guidance, thoroughly implement the scientific outlook on development, and gradually solve the problem of providing for the elderly of rural residents in accordance with the requirements of accelerating the establishment of a social security system covering urban and rural residents. The basic principles of the pilot project of new rural social security are 'basic, wide coverage, flexible and sustainable'. First, starting from the reality of rural areas and starting at a low level, the financing standards and treatment standards should be adapted to the economic development and the bearing capacity of all aspects; second, the individual (family), collective and government should reasonably share the responsibility, and the rights and obligations should be corresponding; third, the government should lead the rural residents to participate in the insurance voluntarily; fourth, the central government should determine the basic principles and main policies Formulate specific measures to implement territorial management of insured residents.
2、 Mission objectives
We will explore the establishment of a new rural social security system that combines individual payment, collective subsidy and government subsidy, implement the combination of social planning and individual accounts, and coordinate with other social security policies and measures such as family pension, land security, social assistance, etc., so as to ensure the basic life of rural residents for the elderly. In 2009, the pilot project covers 10% of the counties (cities, districts and banners) in China. Since then, the pilot project will be gradually expanded and implemented in the whole country. By 2020, the pilot program will basically cover rural residents of the right age.
3、 Coverage
Rural residents who have reached the age of 16 years (excluding school students) and have not participated in the basic old-age insurance for urban workers can voluntarily participate in the new rural social security system in their domicile.
4、 Fund raising
The new rural insurance fund consists of individual payment, collective subsidy and government subsidy.
（1） Individual payment. Rural residents participating in the new rural insurance shall pay endowment insurance premium according to the regulations. At present, the payment standard is set at five levels: 100 yuan, 200 yuan, 300 yuan, 400 yuan and 500 yuan per year. Local governments can increase the payment level according to the actual situation. The insured choose their own level of payment, more pay more. According to the growth of per capita net income of rural residents, the state timely adjusts the level of payment.
（2） Collective subsidy. If conditions permit, the village collective shall give subsidies to the insured, and the subsidy standard shall be determined democratically by the villagers' committee at a villagers' meeting. Other economic organizations, social welfare organizations and individuals are encouraged to provide financial assistance for the insured.
（3） Government subsidies. The government fully pays the basic pension of the new rural insurance to the eligible insured. The central government gives full subsidy to the central and western regions according to the basic pension standard determined by the central government, and 50% subsidy to the eastern region.
The local government shall give subsidies to the insured, and the subsidy standard shall not be less than 30 yuan per person per year; for those who choose to pay at a higher level, appropriate encouragement may be given, and the specific standards and measures shall be determined by the provincial (district or municipal) people's government. The local government will pay part or all of the minimum standard endowment insurance for the rural groups with severe disability and other payment difficulties.
5、 Establish personal account
The state establishes a life-long record of individual pension insurance accounts for each new rural insurance participant. Individual payment, collective subsidy and other economic organizations, social welfare organizations, individual subsidies to the insured, local government payment subsidies to the insured, all recorded in the individual account. At present, the interest rate of RMB one-year deposit published by the people's Bank of China is used to calculate the deposit amount of individual account.
6、 Pension benefits
Pension benefits consist of basic pension and personal account pension, which are paid for life.
The basic pension standard set by the central government is 55 yuan per person per month. According to the actual situation, the local government can increase the pension payment base, and the local government can increase the pension base.
The monthly calculation and payment standard of personal account pension is the total amount of individual account savings divided by 139 (the same as the current pension calculation and distribution coefficient of individual account of basic endowment insurance for urban employees). In case of the death of the insured, the fund balance in the personal account can be inherited according to law except for the government subsidy; the balance of the government subsidy is used to continue to pay the pension of other insured persons.
7、 Conditions for pension benefits
Elderly people who have reached the age of 60 and who do not enjoy the basic old-age insurance benefits of urban workers can receive pensions by month.
When the new rural insurance system is implemented, those who have reached the age of 60 and do not enjoy the basic endowment insurance treatment of urban employees do not need to pay, and can receive the basic pension by month, but their children who meet the insurance conditions should participate in the insurance and payment; those who are less than 15 years away from the age of receiving should pay annually, or be allowed to make up, with the cumulative payment no more than 15 years; those who are more than 15 years away from the receiving age should pay annually The accumulated payment shall not be less than 15 years.
We should guide young and middle-aged farmers to actively participate in the insurance and pay for the long-term, so that the long-term payment is more. The specific measures shall be formulated by the people's Government of the province (district or city).
8、 Adjustment of treatment
According to the situation of economic development and price changes, the state timely adjusts the minimum standard of basic pension of new rural insurance.
9、 Fund management
Establish and improve the financial accounting system of the new rural insurance fund. The new rural social security fund will be incorporated into the special financial account of social security fund, and the management of income and expenditure will be carried out separately, and the value will be maintained and increased according to relevant regulations. In the pilot stage, the new rural endowment insurance fund will be managed at the county level temporarily. With the expansion and promotion of the pilot project, the management level will be gradually improved; if conditions permit, the provincial management can also be implemented directly.
10、 Fund supervision
The human resources and social security departments at all levels should earnestly perform the supervision responsibilities of the new rural social security fund, formulate and improve the business management rules and regulations, standardize the business procedures, establish and improve the internal control system and fund audit system, monitor and regularly inspect the fund raising, settlement, transfer and distribution, and regularly disclose the fund raising and payment information, so as to make it public Transparency and strengthening social supervision. The finance, supervision and audit departments shall implement supervision according to their respective responsibilities, strictly prohibit misappropriation and misappropriation, and ensure the safety of the fund. The new rural insurance agencies and villagers' committees in the pilot areas publicize the payment and treatment eligibility of the insured in the village every year within the scope of the administrative village, and accept the supervision of the masses.
11、 Handling and management services
In the pilot areas of new rural insurance, we should carefully record the payment and treatment of rural residents, establish insurance files, and keep them properly for a long time; establish a unified information management system for new rural insurance, which will be incorporated into the construction of social security information management system (the "financial insurance project") and share information resources with other citizens' information management systems; we should vigorously promote social security cards It is convenient for the insured to pay the card, receive the benefits and inquire about the insured information. According to the principle of streamlining efficiency, the pilot areas should integrate the existing rural social service resources, strengthen the construction of new rural social insurance agency capacity, and use modern management methods and government purchase service methods to reduce administrative costs and improve work efficiency. The funds for the new rural social security work shall be incorporated into the financial budget at the same level and shall not be spent from the new rural social security fund.
12、 Connection of relevant systems
The rural social endowment insurance (hereinafter referred to as the old rural insurance) with individual payment as the main payment and complete personal account should be well connected with the new rural insurance system on the basis of properly handling the creditor's rights of the old rural insurance fund. In the pilot areas of new rural insurance, all the participants who have participated in the old rural insurance, who have reached the age of 60 and have received the old rural insurance pension, can directly enjoy the basic pension of the new rural insurance; for the insured who has participated in the old rural insurance, but has not reached the age of 60 and has not received the pension, the fund of the individual account of the old rural insurance should be incorporated into the individual account of the new rural insurance, and continue to pay according to the payment standard of the new rural insurance When the conditions are fixed, they can enjoy corresponding treatment.
The measures for connecting the new rural insurance system with the basic old-age insurance system for urban workers and other old-age insurance systems shall be formulated by the Ministry of human resources and social security in conjunction with the Ministry of finance. It is necessary to properly integrate the new rural social security system with the social security of land expropriated farmers, the late stage support policy for reservoir resettlement, the incentive and assistance policy for family planning families in rural areas, the five guarantees in rural areas, social preferential care, and the minimum living standard security system in rural areas. The specific measures shall be studied and formulated by the Ministry of human resources and social security and the Ministry of Finance in conjunction with relevant departments.