In order to respond to the important legal requirements for social insurance in the socialist legal system with Chinese characteristics, relevant departments have made new adjustments to pension insurance and formulated urban insurance policies that are more suitable for my country's development and national conditions and closer to people's livelihood. New pension insurance policy. Has the urban pension insurance been restructured?
It has been adjusted. Compared with the previous urban pension insurance policy, the new urban pension insurance policy has the following new changes:
1. 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 living standards of urban residents in the elderly. 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.
2. Non-employed urban 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 resident pension insurance at their place of residence.
3. The urban residents’ pension insurance fund is mainly composed of personal 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 of 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 should provide subsidies for the insured persons' payment, with the subsidy standard not less than 30 yuan per person per year; appropriate incentives can be given to those who choose higher-level payment standards. The specific standards and methods shall be determined by the province ( The district/city) People’s Government determines. 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.
4. Benefit adjustment. The state shall timely adjust the minimum standard of basic pension for urban residents nationwide based on economic development and price changes.