Non-employed urban residents who have reached the age of 16 (excluding students at school) and do not meet the conditions for participating in the basic old-age insurance for employees may voluntarily participate in the old-age insurance for urban residents at their domicile.
Fourth, raise funds.
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 at 100 yuan per year, 200 yuan, 300 yuan, 400 yuan, 500 yuan, 600 yuan, 700 yuan, 800 yuan, 900 yuan, 100 yuan and 10 grades. Local people's governments may add payment grades according to actual conditions. Insured people choose their own grades to pay, and pay more. According to the economic development and the growth of per capita disposable income of urban residents, the state adjusts the payment grade in a timely manner.
Sixth, pension benefits.
Pension treatment consists of basic pension and personal account pension, which is paid for life.
The basic pension standard set by the central government is 55 yuan per person per month. Local people's governments may raise the basic pension standard according to the actual situation, and for urban residents who have paid for a long time, they may appropriately increase the basic pension, and part of the increased and increased funds shall be paid by local people's governments.
The monthly calculation and payment standard of personal account pension is the amount stored in personal account divided by 139 (the same as the calculation and payment coefficient of personal account pension in the current basic old-age insurance for employees and the new rural insurance). When the insured person dies, in addition to government subsidies, the balance of personal account funds can be inherited according to law; The balance of government subsidies is used to continue to pay the pensions of other insured persons.
Seven, pension benefits to receive conditions
Urban residents who have participated in the endowment insurance for urban residents can receive a monthly pension at the age of 60.
When the old-age insurance system for urban residents was implemented, they were over 60 years old and did not enjoy the basic old-age insurance benefits for employees and other old-age benefits stipulated by the state. They can receive a basic pension on a monthly basis without paying fees; If the age is less than 15, the annual payment is allowed, and the accumulated payment shall not exceed15; If the age is above 15, the fee shall be paid annually, and the accumulated fee shall not be less than 15.
It is necessary to guide urban residents to actively participate in the insurance payment, and pay more for it; Guide the children of urban residents receiving pension insurance benefits to pay insurance premiums according to regulations. The specific measures shall be formulated by the people's governments of all provinces (autonomous regions and municipalities).