1 thought on “Pension insurance expansion reward plan”
Arnold
So far, from the legal basis, a provisions of the "Guidance Opinions of the State Council on the Pilot of New Rural Social Pension Insurance" on September 1st, 2009, are also more detailed, and it is understood at a glance. Attachment: The State Council's guidance on the pilot of the new type of rural social endowment insurance Guofa [2009] No. 32 people's governments of all provinces, autonomous regions, municipalities directly under the Central Government, various ministries and institutions of the State Council: , according to the spirit of the 17th National Congress of the Communist Party of China and the Third Plenary Session of the Seventeenth Central Committee, the State Council has decided that since 2009, the pilot of new rural social endowment insurance (hereinafter referred to as New Rural Insurance) was launched. Now put forward the following guidance on the pilot work: . Basic principles The banner of socialism with Chinese characteristics should be raised, guided by Deng Xiaoping theory and "three representatives" as the guidance, and implement in -depth implementation To implement the scientific concept of development, in accordance with the requirements of accelerating the establishment of a social security system covering urban and rural residents, gradually solve the problem of old rural residents. The basic principles of the new agricultural insurance pilot are "basic, wide coverage, elasticity, and sustainable". First, starting from the actual situation in rural areas, starting at a low level, fundraising standards and treatment standards should be compatible with economic development and affordability; second, individuals (families), collective, and government reasonably sharing responsibilities, rights and obligations corresponding; third is to be as corresponding to obligations; The government -led and farmers' voluntary combination to guide rural residents to generally participate in insurance; fourth, the central government has determined the basic principles and main policies, local formulation of specific measures, and implementing territorial management of the residents of the insured. . Mission goals In the establishment of a new agricultural insurance system that combines personal payment, collective subsidy, and government subsidy, combine social overall planning and personal accounts, and other pension, land guarantee, social assistance, etc. Social security policies and measures are matched to ensure the basic life of rural residents. In 2009, the pilot coverage was 10%of counties (cities, districts, flags) across the country, and gradually expanded the pilots in the future. It was generally implemented nationwide and basically achieved the full coverage of rural residents in rural areas before 2020. . The scope of participation Rural residents who are 16 years of age (excluding students in schools) and have not participated in the basic pension insurance of urban employees can voluntarily participate in New Rural Insurance at the place of household registration. . Fund raising The New Agricultural Insurance Fund is composed of personal payment, collective subsidy, and government subsidy. (1) Personal payment. Rural residents participating in New Rural Insurance shall pay endowment insurance premiums in accordance with regulations. The payment standard is currently set at 5 grades of 100 yuan, 200 yuan, 300 yuan, 400 yuan, and 500 yuan per year. The localization of the payment can be added according to the actual situation. Participants choose to pay for the level, pay more. The state adjusts the payment grade in a timely manner in accordance with the per capita net income growth of rural residents. (2) Collective subsidy. Conditional village collectives shall subsidize the payment of the insured, and the subsidy standard shall be determined by the villagers 'committees to be determined by the villagers' meeting. Encourage other economic organizations, social welfare organizations, and individuals to provide funding for the insured. (3) Government subsidies. The government pays the basic pension of the New Agricultural Insurance for the insured who meets the conditions. Among them, the central government will give full subsidies to the central and western regions in accordance with the basic pension standards determined by the central government and 50%of the eastern region. The local governments shall subsidize the payment of the insured, and the subsidy standard shall not be less than 30 yuan per person per year; if the selection of higher -grade standards payment, appropriate encouragement can be given, and the specific standards and methods shall be ) People's Government determined. For group difficulties in rural areas such as severe disabled people, local governments pay for their endowment insurance premiums for some or all minimum standards. 1 . Establish a personal account The country to establish a lifelong -endowment insurance personal account for each new agricultural insurance insurer. Personal payment, collective subsidies and other economic organizations, social welfare organizations, and individuals 'funding of insured payers, and local governments' payment subsidies for participants will be recorded in personal accounts. The storage amount of personal accounts is currently referring to the interest rate of RMB one -year deposit interest rates announced by the financial institution announced by the People's Bank of China each year. 6. Pension treatment The pension treatment consists of basic pensions and personal account pensions to pay for life. The basic pension standard determined by the central government is 55 yuan per person per month. Local governments can increase the basic pension standards according to the actual situation. For rural residents who have paid long -term fees, they can appropriately issue basic pensions, and increase and issue some funds to spend by local governments. The monthly issuance standard for personal account pensions is 139 storage amounts of personal accounts (the same as the pension coefficient of pensions for personal accounts for basic pension insurance for current urban employees). Insured people's death, the balance of funds in the personal account, in addition to government subsidies, can inherit in accordance with the law; government subsidy balance is used to continue to pay the pension of other insured. Seven. Conditions for pension benefits Elderly people who are 60 years old and have not enjoyed the basic endowment insurance benefits of urban employees can receive pensions on a monthly basis. Is when the new agricultural insurance system is implemented, if you are 60 years old and have not enjoyed the basic endowment insurance benefits of urban employees, you can receive basic pensions on a monthly monthly basis without paying, but children who meet the insurance conditions shall participate in the insurance payment. ; If you get less than 15 years old, the annual fee shall be paid and the payment shall be allowed. The cumulative payment shall not exceed 15 years; if the age is more than 15 years old, the annual fee shall be paid and the cumulative payment shall be less than 15 years. It to guide young and middle -aged farmers to actively participate in insurance and pay long -term payment, and pay more long. The specific measures shall be stipulated by the provincial (district, municipal) people's government. 8. Treatment adjustment The countries of countries based on economic development and price changes, and timely adjust the minimum standards for the basic pension of new agricultural insurance in the country. . Fund management Seng and improve the financial accounting system for New Agricultural Insurance Fund. The New Rural Insurance Fund is included in the social security fund fiscal special account, implemented two lines of revenue and expenditure, separated and accounts for separate accounting, and appreciating value preservation and appreciation in accordance with relevant regulations. At the pilot stage, the New Agricultural Insurance Fund will temporarily implement county -level management. As the pilot expands and pushes away, the management level is gradually improved; provincial management can also be implemented directly. . Fund supervision The human resources and social security departments at all levels must earnestly fulfill the supervision responsibilities of the New Agricultural Insurance Fund, formulate and improve the business management rules and regulations of the new agricultural insurance, standardize business procedures, establish and improve internal control degree With the fund audit system, the fund's raising, solution, allocation, and distribution of the fund monitor and issue regular inspections, and regularly disclose the collection and payment information of the New Agricultural Insurance Fund to make it open and transparent and strengthen social supervision. The financial, supervisory, and audit departments are supervised in accordance with their respective responsibilities, and they are strictly prohibited from squeezing misappropriation to ensure the security of the fund. The pilot area of the New Agricultural Insurance Economic Insurance Agency and the Villagers' Committee will publicize the qualifications of the insured in the village within the administrative village and accept the supervision of the masses. 11. Management services for the operation Inned for the pilot of New Agricultural Insurance, we must seriously record the insurance payment and receiving treatment of rural residents, establish insurance files, and keep it properly for a long time. The agricultural insurance information management system is included in the construction of a social security information management system ("Gold Insurance Project"), and shares information resource sharing with other citizen information management systems; vigorously implement social security cards to facilitate the insured to hold card payment, receive benefits and receive treatment and receive treatment Query my participation information. The pilot areas should integrate existing rural social service resources in accordance with the principle of streamlined effects, strengthen the construction capacity of New Agricultural Insurance, and use modern management methods and government purchase service methods to reduce administrative costs and improve work efficiency. New agricultural insurance work funds are included in the fiscal budget at the same level and shall not spend from the New Agricultural Insurance Fund. . The connection of the relevant system The region that has been carried out on personal payment and complete personal account rural social pension insurance (hereinafter referred to as old agricultural insurance), to properly handle the debt issues of the old agricultural insurance fund On the top, do a good job of connecting with the new agricultural insurance system. In the pilot area of New Agricultural Insurance, those who have participated in the old agricultural insurance, the age of 60 years of age, and the old farmers who have received the old farmers can directly enjoy the basic pension of the new agricultural insurance; And the insured who does not receive pensions should incorporate the funds of the old agricultural insurance account to the new agricultural insurance personal account, and continue to pay in accordance with the payment standards of the New Rural Insurance, and enjoy the corresponding treatment when the prescribed conditions meet the prescribed conditions. The connection methods of other endowment insurance systems such as Xinnong Insurance and the basic endowment insurance of urban employees are formulated by the Ministry of Human Resources and Social Security in conjunction with the Ministry of Finance. It is necessary to properly do a good job in the new rural insurance system and the social security of the landlocked farmers, the later support policies of the reservoir immigration, the rural family planning family award assistance policy, the rural five -guarantee support, the social preferential treatment, the minimum rural living security system and other policies and systems. The specific measures are studied and formulated by the Ministry of Human Resources and Social Security and the Ministry of Finance. 13. Strengthen organizational leadership The State Council set up a new agricultural insurance pilot leadership group to study and formulate relevant policies and urge the implementation of inspection policies, summarize and evaluate pilot work, and coordinate and solve problems in pilot work. C local people's governments at all levels must fully understand the significance of carrying out the pilot work of New Agricultural Insurance, include it in the local economic and social development planning and annual target management assessment system, and effectively strengthen organizational leadership. Human resources and social security departments at all levels should earnestly fulfill the duties of the administrative department of New Agricultural Insurance, and work together with relevant departments to do a good job of planning, policy formulation, unified management, and comprehensive coordination of New Agricultural Insurance. The pilot area must also set up a pilot work leading group to be responsible for the pilot work of the region. If fourteen, formulate specific measures and pilot implementation plans provinces (autonomous regions, municipalities) people's governments shall formulate specific measures in accordance with the actual situation of this region, and report to the new agricultural insurance pilot of the State Council. The work leadership group will be filed; on the basis of full investigation, multi -party demonstration, and thorough calculation, it shall propose a practical pilot implementation plan, select the pilot area as required, and report to the leading group of the new agricultural insurance pilot work of the State Council for approval. The pilot implementation plan for the pilot county (city, district, flag) was approved by the provincial (autonomous region, municipal) people's governments, and reported to the State Council's new agricultural insurance pilot work leading group for the record. . Doing a good job of public opinion The establishment of a new agricultural insurance system is a major decision to implement the scientific development concept and accelerate the construction of the social security system covering the urban and rural residents. The major measure of demand is an important basic project that gradually reduces the gap between urban and rural areas, changes the dual structure of urban and rural areas, and promotes the equalization of basic public services. policy. If various regions and relevant departments must adhere to the correct public opinion orientation, and use the easy -to -understand propaganda methods to strengthen the significance, basic principles and policies of the pilot work, so that this policy of benefiting the people is deeply rooted in the hearts of the people, guiding the guidance Farmers of appropriate age actively participate in insurance. Pascasily to pay attention to the new situations and problems that occur in the pilot process, actively explore and summarize the methods and experiences of solving new problems, properly handle the relationship between reform, development and stability, and do good things. Important situations should be reported to the State Council's New Agricultural Insurance Pilot Leading Group in a timely manner. The State Council The September 1, 2009 Extension reading: [insurance] How to buy, which one is good, teach you to avoid insurance of these "pits"
So far, from the legal basis, a provisions of the "Guidance Opinions of the State Council on the Pilot of New Rural Social Pension Insurance" on September 1st, 2009, are also more detailed, and it is understood at a glance.
Attachment: The State Council's guidance on the pilot of the new type of rural social endowment insurance
Guofa [2009] No. 32
people's governments of all provinces, autonomous regions, municipalities directly under the Central Government, various ministries and institutions of the State Council:
, according to the spirit of the 17th National Congress of the Communist Party of China and the Third Plenary Session of the Seventeenth Central Committee, the State Council has decided that since 2009, the pilot of new rural social endowment insurance (hereinafter referred to as New Rural Insurance) was launched. Now put forward the following guidance on the pilot work:
. Basic principles
The banner of socialism with Chinese characteristics should be raised, guided by Deng Xiaoping theory and "three representatives" as the guidance, and implement in -depth implementation To implement the scientific concept of development, in accordance with the requirements of accelerating the establishment of a social security system covering urban and rural residents, gradually solve the problem of old rural residents. The basic principles of the new agricultural insurance pilot are "basic, wide coverage, elasticity, and sustainable". First, starting from the actual situation in rural areas, starting at a low level, fundraising standards and treatment standards should be compatible with economic development and affordability; second, individuals (families), collective, and government reasonably sharing responsibilities, rights and obligations corresponding; third is to be as corresponding to obligations; The government -led and farmers' voluntary combination to guide rural residents to generally participate in insurance; fourth, the central government has determined the basic principles and main policies, local formulation of specific measures, and implementing territorial management of the residents of the insured.
. Mission goals
In the establishment of a new agricultural insurance system that combines personal payment, collective subsidy, and government subsidy, combine social overall planning and personal accounts, and other pension, land guarantee, social assistance, etc. Social security policies and measures are matched to ensure the basic life of rural residents. In 2009, the pilot coverage was 10%of counties (cities, districts, flags) across the country, and gradually expanded the pilots in the future. It was generally implemented nationwide and basically achieved the full coverage of rural residents in rural areas before 2020.
. The scope of participation
Rural residents who are 16 years of age (excluding students in schools) and have not participated in the basic pension insurance of urban employees can voluntarily participate in New Rural Insurance at the place of household registration.
. Fund raising
The New Agricultural Insurance Fund is composed of personal payment, collective subsidy, and government subsidy.
(1) Personal payment. Rural residents participating in New Rural Insurance shall pay endowment insurance premiums in accordance with regulations. The payment standard is currently set at 5 grades of 100 yuan, 200 yuan, 300 yuan, 400 yuan, and 500 yuan per year. The localization of the payment can be added according to the actual situation. Participants choose to pay for the level, pay more. The state adjusts the payment grade in a timely manner in accordance with the per capita net income growth of rural residents.
(2) Collective subsidy. Conditional village collectives shall subsidize the payment of the insured, and the subsidy standard shall be determined by the villagers 'committees to be determined by the villagers' meeting. Encourage other economic organizations, social welfare organizations, and individuals to provide funding for the insured.
(3) Government subsidies. The government pays the basic pension of the New Agricultural Insurance for the insured who meets the conditions. Among them, the central government will give full subsidies to the central and western regions in accordance with the basic pension standards determined by the central government and 50%of the eastern region.
The local governments shall subsidize the payment of the insured, and the subsidy standard shall not be less than 30 yuan per person per year; if the selection of higher -grade standards payment, appropriate encouragement can be given, and the specific standards and methods shall be ) People's Government determined. For group difficulties in rural areas such as severe disabled people, local governments pay for their endowment insurance premiums for some or all minimum standards. 1
. Establish a personal account
The country to establish a lifelong -endowment insurance personal account for each new agricultural insurance insurer. Personal payment, collective subsidies and other economic organizations, social welfare organizations, and individuals 'funding of insured payers, and local governments' payment subsidies for participants will be recorded in personal accounts. The storage amount of personal accounts is currently referring to the interest rate of RMB one -year deposit interest rates announced by the financial institution announced by the People's Bank of China each year.
6. Pension treatment
The pension treatment consists of basic pensions and personal account pensions to pay for life.
The basic pension standard determined by the central government is 55 yuan per person per month. Local governments can increase the basic pension standards according to the actual situation. For rural residents who have paid long -term fees, they can appropriately issue basic pensions, and increase and issue some funds to spend by local governments.
The monthly issuance standard for personal account pensions is 139 storage amounts of personal accounts (the same as the pension coefficient of pensions for personal accounts for basic pension insurance for current urban employees). Insured people's death, the balance of funds in the personal account, in addition to government subsidies, can inherit in accordance with the law; government subsidy balance is used to continue to pay the pension of other insured.
Seven. Conditions for pension benefits
Elderly people who are 60 years old and have not enjoyed the basic endowment insurance benefits of urban employees can receive pensions on a monthly basis.
Is when the new agricultural insurance system is implemented, if you are 60 years old and have not enjoyed the basic endowment insurance benefits of urban employees, you can receive basic pensions on a monthly monthly basis without paying, but children who meet the insurance conditions shall participate in the insurance payment. ; If you get less than 15 years old, the annual fee shall be paid and the payment shall be allowed. The cumulative payment shall not exceed 15 years; if the age is more than 15 years old, the annual fee shall be paid and the cumulative payment shall be less than 15 years.
It to guide young and middle -aged farmers to actively participate in insurance and pay long -term payment, and pay more long. The specific measures shall be stipulated by the provincial (district, municipal) people's government.
8. Treatment adjustment
The countries of countries based on economic development and price changes, and timely adjust the minimum standards for the basic pension of new agricultural insurance in the country.
. Fund management
Seng and improve the financial accounting system for New Agricultural Insurance Fund. The New Rural Insurance Fund is included in the social security fund fiscal special account, implemented two lines of revenue and expenditure, separated and accounts for separate accounting, and appreciating value preservation and appreciation in accordance with relevant regulations. At the pilot stage, the New Agricultural Insurance Fund will temporarily implement county -level management. As the pilot expands and pushes away, the management level is gradually improved; provincial management can also be implemented directly.
. Fund supervision
The human resources and social security departments at all levels must earnestly fulfill the supervision responsibilities of the New Agricultural Insurance Fund, formulate and improve the business management rules and regulations of the new agricultural insurance, standardize business procedures, establish and improve internal control degree With the fund audit system, the fund's raising, solution, allocation, and distribution of the fund monitor and issue regular inspections, and regularly disclose the collection and payment information of the New Agricultural Insurance Fund to make it open and transparent and strengthen social supervision. The financial, supervisory, and audit departments are supervised in accordance with their respective responsibilities, and they are strictly prohibited from squeezing misappropriation to ensure the security of the fund. The pilot area of the New Agricultural Insurance Economic Insurance Agency and the Villagers' Committee will publicize the qualifications of the insured in the village within the administrative village and accept the supervision of the masses.
11. Management services for the operation
Inned for the pilot of New Agricultural Insurance, we must seriously record the insurance payment and receiving treatment of rural residents, establish insurance files, and keep it properly for a long time. The agricultural insurance information management system is included in the construction of a social security information management system ("Gold Insurance Project"), and shares information resource sharing with other citizen information management systems; vigorously implement social security cards to facilitate the insured to hold card payment, receive benefits and receive treatment and receive treatment Query my participation information. The pilot areas should integrate existing rural social service resources in accordance with the principle of streamlined effects, strengthen the construction capacity of New Agricultural Insurance, and use modern management methods and government purchase service methods to reduce administrative costs and improve work efficiency. New agricultural insurance work funds are included in the fiscal budget at the same level and shall not spend from the New Agricultural Insurance Fund.
. The connection of the relevant system
The region that has been carried out on personal payment and complete personal account rural social pension insurance (hereinafter referred to as old agricultural insurance), to properly handle the debt issues of the old agricultural insurance fund On the top, do a good job of connecting with the new agricultural insurance system. In the pilot area of New Agricultural Insurance, those who have participated in the old agricultural insurance, the age of 60 years of age, and the old farmers who have received the old farmers can directly enjoy the basic pension of the new agricultural insurance; And the insured who does not receive pensions should incorporate the funds of the old agricultural insurance account to the new agricultural insurance personal account, and continue to pay in accordance with the payment standards of the New Rural Insurance, and enjoy the corresponding treatment when the prescribed conditions meet the prescribed conditions.
The connection methods of other endowment insurance systems such as Xinnong Insurance and the basic endowment insurance of urban employees are formulated by the Ministry of Human Resources and Social Security in conjunction with the Ministry of Finance. It is necessary to properly do a good job in the new rural insurance system and the social security of the landlocked farmers, the later support policies of the reservoir immigration, the rural family planning family award assistance policy, the rural five -guarantee support, the social preferential treatment, the minimum rural living security system and other policies and systems. The specific measures are studied and formulated by the Ministry of Human Resources and Social Security and the Ministry of Finance.
13. Strengthen organizational leadership
The State Council set up a new agricultural insurance pilot leadership group to study and formulate relevant policies and urge the implementation of inspection policies, summarize and evaluate pilot work, and coordinate and solve problems in pilot work.
C local people's governments at all levels must fully understand the significance of carrying out the pilot work of New Agricultural Insurance, include it in the local economic and social development planning and annual target management assessment system, and effectively strengthen organizational leadership. Human resources and social security departments at all levels should earnestly fulfill the duties of the administrative department of New Agricultural Insurance, and work together with relevant departments to do a good job of planning, policy formulation, unified management, and comprehensive coordination of New Agricultural Insurance. The pilot area must also set up a pilot work leading group to be responsible for the pilot work of the region.
If fourteen, formulate specific measures and pilot implementation plans
provinces (autonomous regions, municipalities) people's governments shall formulate specific measures in accordance with the actual situation of this region, and report to the new agricultural insurance pilot of the State Council. The work leadership group will be filed; on the basis of full investigation, multi -party demonstration, and thorough calculation, it shall propose a practical pilot implementation plan, select the pilot area as required, and report to the leading group of the new agricultural insurance pilot work of the State Council for approval. The pilot implementation plan for the pilot county (city, district, flag) was approved by the provincial (autonomous region, municipal) people's governments, and reported to the State Council's new agricultural insurance pilot work leading group for the record.
. Doing a good job of public opinion
The establishment of a new agricultural insurance system is a major decision to implement the scientific development concept and accelerate the construction of the social security system covering the urban and rural residents. The major measure of demand is an important basic project that gradually reduces the gap between urban and rural areas, changes the dual structure of urban and rural areas, and promotes the equalization of basic public services. policy.
If various regions and relevant departments must adhere to the correct public opinion orientation, and use the easy -to -understand propaganda methods to strengthen the significance, basic principles and policies of the pilot work, so that this policy of benefiting the people is deeply rooted in the hearts of the people, guiding the guidance Farmers of appropriate age actively participate in insurance.
Pascasily to pay attention to the new situations and problems that occur in the pilot process, actively explore and summarize the methods and experiences of solving new problems, properly handle the relationship between reform, development and stability, and do good things. Important situations should be reported to the State Council's New Agricultural Insurance Pilot Leading Group in a timely manner.
The State Council
The September 1, 2009
Extension reading: [insurance] How to buy, which one is good, teach you to avoid insurance of these "pits"