Subjectivity of law:

Nowadays, the aging population is getting more and more serious, and young people in many families are under increasing pressure to support their families. Faced with the old and the young, many people will think of buying an old-age insurance for the elderly, which can at least protect the basic needs of the elderly in their later years. The following is the content of the new pension insurance policy in 222. In 222, the new old-age insurance policy will increase the basic pension for urban and rural residents in some areas, and increase the old-age basic pension. Looking forward to 222, there is also good news for urban and rural residents' pension recipients, because some areas will increase the basic pension for urban and rural residents, and some areas will increase the old-age basic pension for urban and rural residents over 65 years old. According to the "Beijing's Development Plan for the Cause of Aging during the Tenth Five-Year Plan" issued in November, it is required to moderately increase the basic pension for retirees and the basic pension for urban and rural residents. By 221, Beijing has adjusted the old-age insurance benefits for urban and rural residents for 13 times in 11 consecutive years, and the basic pension has been raised to 85 yuan per month. Therefore, according to the planning requirements, it is expected that Beijing will continue to raise the basic pension for urban and rural residents in 222. In addition, some areas have clearly added a certain amount of old-age basic pension from 222. Among them, starting from 222, Wuhu will provide 5 yuan (65-69 years old), 1 yuan (7-79 years old) and 15 yuan (8 years old and above) with three grades of old-age basic pensions according to their ages. Therefore, in 222, the income of basic pension recipients of urban and rural residents in some areas will increase, which can be expected. For the current 127 million retirees, whether the employee pension will rise in 222 and whether it can achieve 18 consecutive rises is the most concerned issue. Judging from various signals, the probability of continuing to raise employee pensions in 222 is relatively large. Recently, China Economic Times interviewed authoritative experts and reported the news that "in 222, pensions will have a high probability of rising for 18 consecutive years". Moreover, the Ministry of Human Resources and Social Security also proposed to steadily improve social insurance benefits in the 14 th Five-Year Plan for Social Security. In addition, according to the requirements of the Social Security Law, the pension should be adjusted with reference to the price increase and the average wage increase. In 221, the price increase is positive, and the economy is steadily recovering, and the average wage is expected to increase. If these indicators rise, it is natural for the pension to keep rising. For next year's pension increase, the majority of retirees are also waiting to see, and they will also benefit from it. The above is the content of the new pension insurance policy in 222. Legal objectivity:

First, the endowment insurance fund for urban residents is mainly composed of individual contributions and government subsidies. (1) individual payment. Urban residents who participate in the old-age insurance for urban residents shall pay the old-age insurance premium according to the regulations. At present, the payment standard is set to 1 grades of 1 yuan, 2 yuan, 3 yuan, 4 yuan, 5 yuan, 6 yuan, 7 yuan, 8 yuan, 9 yuan and 1, yuan per year, and local people's governments can add payment grades according to actual conditions. Insured people choose their own grades to pay, and if they pay more, they will get more. The state adjusts the payment grade in a timely manner according to the economic development and the increase of per capita disposable income of urban residents. (2) government subsidies. The government pays the basic old-age pension for urban residents in full to the insured who meet the conditions for receiving treatment. Among them, the central government gives full subsidies to the central and western regions according to the basic pension standards determined by the central government, and 5% subsidies to the eastern regions. The local people's government shall subsidize the payment of the insured, and the subsidy standard shall not be lower than the 3 yuan per person per year; Appropriate encouragement may be given to those who choose higher-grade standard payment, and the specific standards and measures shall be determined by the people's governments of provinces (autonomous regions and municipalities). The local people's government will pay part or all of the minimum standard old-age insurance premium for the severely disabled groups in cities and towns. (three) to encourage other economic organizations, social organizations and individuals to provide financial assistance for the insured. Second, the new rural household registration old-age insurance new 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. Participation process: 1. Participation is handled by the village (community, neighborhood committee), and the insured unit goes through the registration formalities. When joining the insurance for the first time, the Registration Form for Participating in Old-age Security (Insurance) Units should be filled in; 2. Persons who meet the conditions for insurance shall bring their household registration book, the original and photocopy of their ID cards, and a one-inch bareheaded photo to the village (including neighborhood committees and communities, the same below) labor and social security management service station to apply for insurance. The village shall be responsible for the preliminary examination of insurance eligibility and fill out the publicity form for farmers' basic old-age insurance participants for one week, and those who have no objection shall fill out the registration form for farmers' basic old-age insurance participants (hereinafter referred to as the registration form). 3. If the insured person is a soldier or a veteran, provide the military service certificate issued by the People's Armed Forces Department, fill in the Application Form for Government Subsidy for Soldiers Serving in Farmers' Basic Endowment Insurance, and report it to the town (street) labor security management service office. Iii. New Social Endowment Insurance Policy In accordance with the spirit of the 18th CPC National Congress and the requirements of the Third Plenary Session of the 18th CPC Central Committee on integrating the basic old-age insurance system for urban and rural residents, in accordance with the relevant provisions of the Social Insurance Law of the People's Republic of China, and on the basis of summing up the pilot experience of the new rural social endowment insurance (hereinafter referred to as "the new rural social endowment insurance") and the urban social endowment insurance (hereinafter referred to as "the urban residential insurance"), the State Council decided to merge the new rural social endowment insurance and the urban residential insurance. After knowing what kinds of social endowment insurance are, we might as well know more about the types of commercial endowment insurance. Commercial endowment insurance is a kind of commercial insurance, which takes human life or body as the insurance object. When the insured retires in old age or the insurance period expires, the insurance company will pay the pension according to the contract. At present, annuity insurance, endowment assurance insurance, term insurance and life insurance in commercial insurance can all achieve the purpose of providing for the aged, and they all belong to the category of commercial endowment insurance. Commercial pension insurance is a long-term personal insurance with the main purpose of obtaining pension. It is a special form of annuity insurance, also known as pension insurance, and it is a supplement to social pension insurance.