The reason why the new rural social endowment insurance is called the new rural endowment insurance [1] is relative to the rural endowment insurance carried out in previous places. Hu Xiaoyi said that in the past, the old rural endowment insurance was mainly paid by farmers themselves, but it was actually a self-saving model. The biggest feature of the new rural endowment insurance was the combination of individual contributions, collective subsidies and government subsidies, and there were three financing channels. "In particular, the central government subsidizes local governments, and this subsidy is directly subsidized to farmers. I think it is another major policy to benefit farmers after canceling a series of policies to benefit farmers, such as agricultural tax, agricultural direct subsidy and new rural cooperative medical care. "

in addition, unlike the old model of establishing farmers' personal accounts, the new rural insurance draws on the current model of combining unified accounts for urban workers. Hu Xiaoyi introduced that the payment structure of the new rural insurance is divided into two parts: basic pension and personal account pension. The basic pension is fully guaranteed by the state finance, which means that farmers in China will enjoy the state's inclusive pension after 6 years old. However, Hu Xiaoyi emphasized that the new rural insurance that will be launched soon is still in the pilot stage. "The new rural insurance policy should be gradually pushed through the pilot improvement, which does not mean that everyone can receive money from tomorrow." According to the plan, all farmers will enjoy the new rural insurance by 22. According to the Chinese government website on the 4th, the State Council recently issued the guiding opinions on the pilot project of new rural social endowment insurance, and gradually solved the problem of rural residents' old-age security according to the requirements of accelerating the establishment of a social security system covering urban and rural residents.

according to this guidance, the new rural endowment insurance will explore the establishment of a new rural endowment insurance system that combines individual contributions, collective subsidies and government subsidies, and combine social pooling with individual accounts, which will be matched with other social security policies and measures such as family pension, land security and social assistance to ensure the basic livelihood of rural residents in their old age. In 29, the pilot coverage was 1% of the counties (cities, districts and banners) in China. Later, the pilot will be gradually expanded and implemented nationwide, and the full coverage of rural school-age residents will be basically realized by 22.

the state establishes a personal account for old-age insurance with lifelong records for each new rural insurance participant. Individual contributions, collective subsidies, subsidies from other economic organizations, social welfare organizations and individuals to the insured, and subsidies from local governments to the insured are all credited to individual accounts. At present, the amount stored in personal accounts bears interest every year with reference to the one-year deposit rate of RMB in financial institutions announced by the People's Bank of China.

the state will establish and improve the financial accounting system of the new rural endowment insurance fund. The new agricultural insurance fund shall be incorporated into the financial special account of the social security fund, with two lines of revenue and expenditure management, separate bookkeeping and accounting, so as to maintain and increase the value in accordance with relevant regulations. In the pilot stage, the new agricultural insurance fund will be temporarily managed at the county level, and with the expansion and opening of the pilot, the management level will be gradually improved; Where conditions permit, provincial management can also be directly implemented.

coverage

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.

key points of the New Deal

Fund raising

Individual contributions are divided into five grades and local subsidies are at least 3 yuan every year

According to this guidance, the new rural insurance fund consists of individual contributions, collective subsidies and government subsidies.

in terms of individual payment, rural residents who participate in the new rural insurance should pay the old-age insurance premium according to the regulations. At present, the payment standard is set to five grades in 1 yuan, 2 yuan, 3 yuan, 4 yuan and 5 yuan every year, and local 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 increase of per capita net income of rural residents.

in terms of collective subsidies, village collectives with conditions should subsidize the insured's payment, and the subsidy standard should be determined democratically by the villagers' committee holding a villagers' meeting. Encourage other economic organizations, social welfare organizations and individuals to provide financial support for the insured.

in terms of government subsidies, the government pays the insured eligible for the new rural endowment insurance in full, of which 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% to the eastern region.

The local government should subsidize the insured person's payment, and the subsidy standard should not be lower than 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). For groups with payment difficulties such as severely disabled people in rural areas, local governments pay part or all of the minimum standard endowment insurance premiums.

pension benefits

the life-long payment standard of pension is the same as that of urban workers

according to this guidance, pension benefits are composed of basic pension and personal account pension, which are paid for life.

The basic pension standard determined by the central government is 55 yuan per person per month. Local governments can raise the basic pension standard according to the actual situation. For rural residents who have paid for a long time, they can appropriately increase the basic pension, and part of the funds for the increase and increase will be paid by local governments.

the monthly calculation and payment standard of personal account pension is the total storage amount of personal account divided by 139 (the same as the current calculation and payment coefficient of personal account pension of basic old-age insurance for urban workers). When the insured dies, the balance of funds in the personal account can be inherited according to law, except for government subsidies; The balance of government subsidies is used to continue to pay the pensions of other insured persons.

Pension collection

Old people who have reached the age of 6 at the time of implementation can receive basic pensions without paying fees

Old people with household registration in rural areas who have reached the age of 6 and do not enjoy the basic old-age insurance for urban workers can receive monthly pensions.

When the new rural insurance system is implemented, those who have reached the age of 6 and do not enjoy the basic old-age insurance benefits for urban workers can receive the basic pension on a monthly basis without paying fees, but their eligible children should pay for the insurance; If it is less than 15 years from the age of collection, it should be paid annually, and it is also allowed to pay back, and the accumulated payment should not exceed 15 years; From the age of more than 15 years, should be paid annually, the cumulative payment of not less than 15 years.

this guidance also makes it clear that young and middle-aged farmers should be guided to actively participate in insurance and pay long-term fees, so that they can get more if they pay long. The specific measures shall be formulated by the people's governments of provinces (autonomous regions and municipalities).

Further reading: How to buy insurance, which is better, and teach you how to avoid these "pits" of insurance.