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detailed rules for the implementation of the old-age insurance measures for urban and rural residents in Beijing

In order to ensure the smooth implementation of the old-age insurance system for urban and rural residents in this city, these detailed rules are formulated in accordance with the Notice of the Beijing Municipal People's Government on Printing and Distributing the Old-age Insurance Measures for Urban and Rural Residents in Beijing (No.49 [28] of Beijing Municipality), hereinafter referred to as the Measures for Urban and Rural Residents.

1. Procedures for handling the endowment insurance for urban and rural residents

(1) Insured persons (including new insured persons and those who continue to pay premiums) hold their real-name identity documents and open special passbooks in commercial banks. At the same time, sign the Bank Withholding and Remittance Agreement.

The Agreement on Bank Withholding and Remittance is made in triplicate, one for the insured, one for the bank and one for the district/county agency. The agreement is only signed once when opening a special bank passbook.

(2) After the insured person deposits the paid insurance premium in the bank, he can go through the insurance formalities from the 1st to 1th of each month. The new insured person will go to the street social security office (village committee) where the account is located with his household registration book, ID card and special passbook to fill out the "Information Form for Insured Persons" and go through the insurance formalities; The person who continues to pay the insurance premium holds a special passbook to the street social security office (village Committee) where the account is located to fill out the "Payment Confirmation Form".

(3) The village committee shall submit a copy of the identity certificate of the new insured, the insured information form and the payment confirmation form of the renewed insured to the township social security office before the 13th of each month. Street, township social security offices (hereinafter referred to as social security offices) will input the contents of the "insured information form" and "payment confirmation form" into the pre-payment information system of urban and rural residents' endowment insurance before the 16th of each month.

(4) The district/county agency shall submit the electronic prepayment data collected by the whole district to the bank for deduction before the 18th of each month. And before the 2th of each month, we will import the successful information of electronic deduction from the bank into the urban and rural residents' endowment insurance information system, and import the failed information of electronic deduction into the urban and rural residents' endowment insurance prepayment information system.

(5) the social security office will notify the insured to check according to the information of electronic deduction failure, and correct the wrong information in time. According to the successful information of electronic deduction, the Beijing Social Insurance Special Fund Bill will be issued for the successful payer, and the Payment Statement will be printed for the payer before the end of March of the following year.

II. Payment standard of endowment insurance for urban and rural residents

(1) Endowment insurance premiums for urban and rural residents shall be paid annually from April 1st to December 1th.

if the insured who reached the age of collection in that year paid the insurance premium of that year within the payment time, they will enjoy the pension insurance benefits for urban and rural residents from the month after reaching the age of collection.

(2) The minimum payment standard is 9% of the per capita net income of rural residents in this city in the previous year. The insured can raise the payment standard according to the economic affordability, and the maximum payment shall not exceed 3% of the per capita disposable income of urban residents in the previous year.

according to the per capita net income of rural residents and the per capita disposable income of urban residents in the previous year published by the municipal statistics department, the municipal labor and social security administrative department will issue the minimum payment standard and the maximum payment standard before March 31st each year.

(3) If the insured reaches the age of receiving pension benefits on a monthly basis and needs to continue to pay insurance premiums on an annual basis (hereinafter referred to as deferred payment), the payment standard shall not be lower than 9% of the per capita net income of rural residents in the previous year of this Municipality.

III. Endowment insurance fund for urban and rural residents

(1) Personal account funds (liability funds): individual contributions, collective subsidies, other income and interest.

the personal account funds of the new rural social endowment insurance are merged into the personal accounts of urban and rural residents' endowment insurance.

(2) adjustment funds: the value-added balance beyond the accrued interest of individual accounts, the balance after the insured person dies without an heir, and other funds.

(3) basic pension: financial funds subsidized by the government when the insured receives benefits.

iv. Personal account interest bearing

During the accumulation period, personal account funds will bear interest with reference to the bank's one-year fixed deposit rate for the same period, and interest will be calculated by stages. The insurance premium paid by individuals will start to bear interest from the month after payment. During the accumulation period, when the interest rate of one-year fixed deposit of the bank is adjusted before June 3, the personal account will bear interest at the new interest rate from July 1 of that year; During the accumulation period, when the interest rate of the bank's one-year fixed deposit is adjusted after July 1, the personal account will bear interest at the new interest rate from January 1 of the following year. If the interest rate of a bank's one-year fixed deposit is adjusted several times during the same period within half a year, interest will be calculated according to the last adjusted interest rate.

V. Conditions for enjoying the old-age insurance benefits for urban and rural residents on a monthly basis

(1) If the insured meets one of the following conditions, they will enjoy the old-age insurance benefits for urban and rural residents on a monthly basis from the month after the male reaches the age of 6 and the female reaches the age of 55:

1.

2. On the implementation date of the Measures for Endowment Insurance for Urban and Rural Residents, those who have reached the age of 45 for men and 4 for women (excluding those who have moved to the household registration in this city from other places after the implementation of these Measures) have paid their fees continuously every year according to the prescribed payment standards.

(2) after the implementation of the "measures for endowment insurance for urban and rural residents", those who have moved from other cities to this city's household registration, whose payment period is less than 15 years when men reach the age of 6 and women reach the age of 55, will make up the insurance premium for the different years in one lump sum according to the minimum payment standard of the previous year.

(3) if the payment period of the insured person does not meet the requirements of items 1 and 2 of the first paragraph of this article when he reaches the age of collection, he can postpone the payment voluntarily for up to 5 years, and the payment period is extended to meet the requirements; If the cumulative payment period of five years is still not in conformity with the provisions of the second paragraph of this article, the premium for the difference years shall be made up at one time according to the minimum payment standard of not less than the previous year.

VI. Old-age insurance benefits for urban and rural residents

(1) The monthly old-age insurance benefits for urban and rural residents consist of personal account pension and basic pension.

1. Monthly collection standard of personal account pension

Personal account pension for urban and rural residents' pension insurance shall be paid in sections.

for those who participated in the rural social endowment insurance before July 1, 24, the premium paid before January 1, 28 is determined by the calculation coefficient of 8.8%.

for those who participated in rural social endowment insurance after July 1, 24, the premium paid before January 1, 28 shall be determined by the calculation coefficient of 5%.

the new rural social endowment insurance premium paid in p>28 and the urban and rural residents' endowment insurance premium paid by the insured shall determine the personal account pension standard according to the number of months of personal account pension of basic endowment insurance stipulated by the state.

when the personal account pension is paid, it will be paid by the adjustment fund of the endowment insurance fund for urban and rural residents; When the adjustment fund is paid, it will be supplemented by financial funds until the death of the insured.

2. Basic pension standard

Basic pension is a financial fund subsidized by the government when the insured person receives treatment. The standard is unified in the whole city, and it is 28 yuan per person per month. The funds required for the issuance of basic pensions shall be borne by the district (county) and included in the district (county) financial budget.

(II) One-time pension benefits

When the insured reaches the age of receiving, if they do not meet the requirements of enjoying the pension insurance for urban and rural residents on a monthly basis as stipulated in Article 5, they will enjoy one-time pension benefits, and their benefits will be all the funds in their personal accounts.

VII. Procedures for Receiving Old-age Insurance Benefits for Urban and Rural Residents

(1) One month before reaching the age of receiving the pension, the insured shall submit an application for receiving the pension to the social security office where the household registration is located with a special passbook, household registration book and ID card, and confirm the Application Form for Receiving Old-age Insurance Benefits for Urban and Rural Residents provided by the social security office. Insured persons who meet the conditions for receiving the pension insurance for urban and rural residents on a monthly basis shall confirm the monthly pension standard for personal accounts; Insured persons who do not meet the conditions for receiving the pension insurance for urban and rural residents on a monthly basis shall confirm whether to postpone the payment. Those who do not choose to postpone payment will be confirmed to enjoy the one-time pension treatment.

(2) The Social Security Institute shall submit the insured person's Application Form for Receiving Old-age Insurance Benefits for Urban and Rural Residents, special passbook account information, household registration book, copy of ID card and other materials to the district and county agencies within 5 working days.

(3) The district and county agencies shall verify the materials of the insured and handle them according to the following procedures.

1. For those who meet the requirements of receiving pension insurance benefits on a monthly basis, the pension insurance benefits for urban and rural residents will be paid in the month following their age, and the pension insurance benefits they should receive will be transferred to their special passbook before 15th of each month.

2. For those who do not meet the requirements of receiving pension insurance benefits on a monthly basis when they reach the age of collection, they choose to continue to pay insurance premiums on an annual basis. When they meet the requirements of receiving pension insurance benefits on a monthly basis, they will pay pension insurance benefits to urban and rural residents in the next month when they reach the age of one, and dial the pension insurance benefits they should receive into their special passbook before the 15th of each month.

3. For those who do not meet the requirements of receiving monthly pension insurance benefits when they reach the age of receiving, and do not choose to continue to pay insurance premiums on an annual basis, the one-time pension benefits will be transferred to their special passbook.

(4) The district/county agency shall, before the end of each month, prepare the plan for the use of the endowment insurance fund for urban and rural residents in the next month according to the situation of receiving endowment insurance benefits, liquidation and transfer, and report it to the district/county finance department. The financial departments of districts and counties shall, in accordance with the plan for the use of the endowment insurance fund for urban and rural residents prepared by the agencies of the districts and counties, allocate the funds in place before the 1th of the next month to ensure the timely and full payment of the endowment insurance benefits for urban and rural residents.

(5) District and county agencies should compare the data of recipients of urban and rural residents' old-age insurance information system with the social insurance information system database, the living allowance database of those who have lost their land for construction, the public medical information system database, and the old-age security database every month, so as to know that those who have participated in urban and rural residents' old-age insurance can enjoy retirement fees, resignation fees, basic old-age insurance benefits, regular treatment of work-related injury insurance, pensions for the immediate family members of those who have died, living allowances for those who have lost their land for construction, and the elderly.

VIII. Transfer of Endowment Insurance Relationship

(1) If the registered permanent residence of the insured person moves to another place, I shall apply for it, and the agency that moves out of the county will transfer its insurance relationship together with the principal and interest of the insurance premium paid to the social insurance agency where it moves in. If the social endowment insurance system has not been established in the place of immigration, all the funds in the personal account of the insured person will be returned to the insured person at one time.

(2) If the registered permanent residence of the insured person moves between districts and counties in this city, I will apply, and the agency that moves out of the district and county will transfer its insurance relationship together with the principal and interest of the insurance premium paid to the agency where it moves in, and continue to pay the insurance premium in the place where it moves in, enjoying the old-age insurance benefits for urban and rural residents. If the registered permanent residence of the insured person moves in the county, only the insurance relationship will be transferred.

(3) If a person who has received the old-age insurance benefits for urban and rural residents moves between districts and counties in this city, the insurance relationship will no longer be transferred, and the old-age insurance benefits for urban and rural residents will continue to be issued by the districts and counties where the original accounts are located.

IX. Cohesion of insurance systems

(1) On the day when the Measures for Urban and Rural Residents' Endowment Insurance came into effect, those who have received pensions in accordance with the provisions of the new rural social endowment insurance system will continue to receive pensions according to the pension standards determined at the time of receipt. In case of adjustment of basic pension benefits, the basic pension will be paid according to the adjusted treatment standard.

(2) Those who have participated in the new rural social endowment insurance and have not reached the age of receiving it should participate in the old-age insurance for urban and rural residents and continue to pay the fees. The funds in their personal accounts for the new rural social endowment insurance are merged into their personal accounts for urban and rural residents, and the payment period for the new rural social endowment insurance is counted as the payment period for the old-age insurance for urban and rural residents.

Before the implementation of the Measures for Endowment Insurance for Urban and Rural Residents, if the personal account pension paid by them in the expected month reaches the rural minimum living security standard in January 28, they are not bound by the payment period and enjoy the basic pension when they reach the age of receiving; If the personal account pension received in the expected month of insurance premium payment does not meet the minimum living standard in rural areas in January 28, it shall continue to pay the insurance premium on an annual basis in accordance with the provisions of the Measures for Endowment Insurance for Urban and Rural Residents.

the accumulated rural social endowment insurance premium paid by the insured before December 31st, 27 is converted into the payment period according to the minimum payment standard of this district and county in 28. Each full year of payment period is regarded as the payment period of urban and rural residents' endowment insurance, and the payment period of less than one year is not regarded as the payment period of urban and rural residents' endowment insurance.

(3) If a person who has payment records in both urban and rural residents' endowment insurance and basic endowment insurance meets the requirements of receiving basic endowment insurance on a monthly basis when he reaches retirement age, he/she will apply to the social security office where his/her household registration is located, transfer his/her personal account funds in urban and rural residents' insurance to basic endowment insurance, and convert urban and rural residents' insurance premiums into the payment period of basic endowment insurance according to the following provisions, and at the same time, count the converted funds into the personal account and overall fund of basic endowment insurance respectively.

1. The insurance premium paid before 1992 (including 1992) is converted into the payment period of the basic old-age insurance according to the minimum payment base of the basic old-age insurance in 1992 (6% of the average social wage in the previous year) and the payment proportion, and the maximum payment period is 3 months, and the converted payment period is actually converted.

2. The insurance premium paid from 1993 to 1998 is converted into the payment period of the basic old-age insurance according to the minimum payment base of the corresponding year of the basic old-age insurance (6% of the average social wage in the previous year) and the payment proportion. The rural social old-age insurance premium paid in that year is converted into the payment period of the basic old-age insurance at most 12 months, and the converted payment period is actually converted if it is less than 12 months.

3. The insurance premium paid after 1999 (including 1999) shall be converted into the payment period of the basic old-age insurance according to the minimum payment standard of freelancers in the corresponding year of the basic old-age insurance. The payment period of the rural social old-age insurance premium paid in that year converted into the basic old-age insurance is at most 12 months, and the converted payment period is actually converted if it is less than 12 months.

4. The remaining old-age insurance premiums for urban and rural residents converted from the payment period of the basic old-age insurance in that year will be converted into the payment period of the old-age insurance for urban and rural residents in the next year, and the payment period of the basic old-age insurance will continue to be converted.

(4) If a person who has payment records in both urban and rural old-age insurance and basic old-age insurance does not meet the requirements for receiving basic old-age insurance on a monthly basis when he reaches retirement age, he/she will apply to the social security agency in the insured area, and after verification by the district and county agency, he/she can transfer the benefits calculated according to the basic old-age insurance regulations to the personal account of urban and rural old-age insurance where his/her account is located, and the payment period of basic old-age insurance for each full year will be regarded as the payment period of urban and rural old-age insurance for one year. The pension insurance benefits for urban and rural residents are calculated and paid according to the following provisions:

1. Those who have reached the age of receiving pension insurance for urban and rural residents and meet the requirements of receiving pension insurance benefits for urban and rural residents on a monthly basis will live in urban and rural areas.