Where is this policy? Look at the national policy.

Although the local ones are slightly different from the national ones, they are not much different.

The Guiding Opinions of the State Council on Carrying out the Pilot Program of Social Pension Insurance for Urban Residents, Guofa [2011] No. 18. The people's governments of provinces, autonomous regions, and municipalities directly under the Central Government, all ministries and commissions of the State Council, and all agencies directly under the State Council: In accordance with the spirit of the 17th National Congress of the Communist Party of China and the "People's Republic of China and the People's Republic of China"

In accordance with the provisions of the Outline of the Twelfth Five-Year Plan for the National Economic and Social Development of the People's Republic of China and the Social Insurance Law of the People's Republic of China, the State Council decided to carry out social pension insurance for urban residents (hereinafter referred to as the pension insurance for urban residents) starting from 2011.

) pilot.

The following guiding opinions are hereby put forward for the pilot work: 1. Basic Principles The work on pension insurance for urban residents must hold high the great banner of socialism with Chinese characteristics, be guided by Deng Xiaoping Theory and the important thought of "Three Represents", thoroughly implement the Scientific Outlook on Development, and in accordance with the accelerated

Requirements for establishing a social security system covering urban and rural residents, and gradually solving the problem of urban residents without pension security being provided for in old age.

The basic principles of the urban residents’ pension insurance pilot are “basic protection, wide coverage, flexibility, and sustainability.”

First, starting from the actual situation of urban residents, starting from a low level, financing standards and treatment standards must be compatible with economic development and the affordability of all aspects; second, individuals (families) and the government reasonably share responsibilities, and rights and obligations correspond; third,

It is a combination of government leadership and residents' voluntariness to guide urban residents to universally participate in insurance; fourth, the central government determines basic principles and main policies, local governments formulate specific measures, and urban residents' pension insurance is subject to territorial management.

2. Mission Objectives: Establish a pension insurance system for urban residents that combines individual contributions and government subsidies, implement social pooling and personal accounts, and coordinate with other social security policies such as family pension, social assistance, and social welfare to ensure the basic basic needs of urban residents in their old age.

Life.

The pilot work was launched on July 1, 2011, and the scope of implementation is basically the same as that of the new rural social pension insurance (hereinafter referred to as the new rural pension insurance) pilot. In 2012, full coverage of the pension insurance system for urban residents was basically achieved.

3. Insurance coverage Urban non-employed residents who are over 16 years old (excluding school students) and do not meet the conditions for participation in basic employee pension insurance can voluntarily participate in urban residents’ pension insurance at their place of residence.

4. Fund Raising Urban residents’ pension insurance funds are mainly composed of individual contributions and government subsidies.

(1) Individual payment.

Urban residents participating in the urban residents’ pension insurance shall pay pension insurance premiums in accordance with regulations.

The payment standards are currently set at 10 levels: 100 yuan, 200 yuan, 300 yuan, 400 yuan, 500 yuan, 600 yuan, 700 yuan, 800 yuan, 900 yuan, and 1,000 yuan per year. The local people's government can add payment levels according to actual conditions.

The insured can choose the payment level independently, and the more he pays, the more he will get.

The state adjusts payment levels in a timely manner based on economic development and growth in per capita disposable income of urban residents.

(2) Government subsidies.

The government will fully pay the basic pension of urban residents’ pension insurance to the insured persons who meet the conditions for receiving benefits.

Among them, the central government will provide full subsidies to the central and western regions according to the basic pension standards determined by the central government, and 50% subsidies to the eastern regions.

The local people's government shall provide subsidies for the insured persons' payment, with the subsidy standard not less than 30 yuan per person per year; appropriate incentives may be given to those who choose higher-level payment standards, and the specific standards and methods shall be determined by the provincial (regional, municipal) people's government

.

For groups with difficulty in payment such as severely disabled people in urban areas, local people's governments will pay part or all of the minimum standard pension insurance premiums on their behalf.

(3) Encourage other economic organizations, social organizations and individuals to provide subsidies for insured persons’ payment.

5. Establish a personal account. The state establishes a personal pension insurance account with lifelong records for each insured person.

Individual contributions, local people's government payment subsidies for insured persons and payment assistance from other sources are all credited to personal accounts.

The personal account deposit amount is currently calculated annually with reference to the one-year RMB deposit interest rate of financial institutions announced by the People's Bank of China.

6. Pension Benefits Pension benefits consist of basic pension and personal account pension, and are paid for life.

The basic pension standard determined by the central government is 55 yuan per person per month.

Local people's governments can increase basic pension standards based on actual conditions. For urban residents who have paid contributions for a long time, basic pensions can be appropriately increased. Part of the increase and additional funds will be spent by local people's governments.

The monthly calculation and payment standard for personal account pensions is the amount of personal account savings divided by 139 (the same as the current employee basic pension insurance and new rural insurance personal account pension calculation coefficients).

When an insured person dies, the balance of funds in the personal account, except for government subsidies, can be inherited in accordance with the law; the balance of government subsidies is used to continue to pay the pensions of other insured persons.

7. Conditions for receiving pension benefits Urban residents who participate in urban residents’ pension insurance and are over 60 years old can receive pensions on a monthly basis.