Suggestions on perfecting the basic old-age insurance system for urban and rural residents

Hello, opinions of the provincial people's government on improving the basic old-age insurance system for urban and rural residents.

Municipal, state and county people's governments and provincial government departments:

According to the spirit of "Opinions of the State Council on Establishing a Unified Basic Old-age Insurance System for Urban and Rural Residents" (Guo Fa [2014] No.8), combined with the reality of our province, we now put forward the following opinions on improving the basic old-age insurance system for urban and rural residents in our province.

I. Mission objectives

Adhere to and improve the system mode of combining social pooling with individual accounts, consolidate and broaden the financing channels of combining individual contributions, collective subsidies and government subsidies, improve the treatment payment policy of combining basic pensions with individual account pensions, strengthen incentive mechanisms such as long-term payment and more, establish a normal adjustment mechanism for basic pensions, improve the service network, improve the management level, and provide convenient and fast services for insured residents. By 2020, a fair, unified and standardized old-age insurance system for urban and rural residents will be established in an all-round way, which will be matched with other social security policies such as social assistance and social welfare, and give full play to the positive role of traditional security methods such as family pension to better protect the basic livelihood of insured urban and rural residents.

Second, the insurance coverage

Staff of non-state organs and institutions and urban and rural residents who have reached the age of 16 (excluding students at school) and are not included in the basic old-age insurance system for employees can participate in the old-age insurance for urban and rural residents at their domicile.

Third, raise funds.

The endowment insurance fund for urban and rural residents consists of individual contributions, collective subsidies and government subsidies.

(1) individual payment. Those who participate in the endowment insurance for urban and rural residents shall pay the endowment insurance premium in accordance with the regulations. At present, the payment standards are set at 100 yuan, 200 yuan, 300 yuan, 400 yuan, 500 yuan, 600 yuan, 700 yuan, 800 yuan, 900 yuan, 1000 yuan, 1500 yuan and 2000 yuan. Local people's governments may add payment grades according to the actual situation, and the highest payment grade standard shall not exceed the annual minimum payment for local urban flexible employees to participate in the basic old-age insurance for employees in principle. Insured people choose their own payment grades and pay more.

(2) Collective subsidies. Conditional village collective economic organizations shall give subsidies to the insured, and the subsidy standard shall be determined by the villagers' committee holding a villagers' meeting, and encourage qualified communities to include collective subsidies in the financing scope of community public welfare undertakings. Encourage other social and economic organizations, charitable organizations and individuals to provide financial support for the payment of the insured. The total amount of subsidies and subsidies shall not exceed the annual maximum personal payment grade standard stipulated by the local government.

(3) government subsidies. Provincial and local governments subsidize the payment of the insured. Choose 100 yuan grade standard payment, the subsidy standard is not less than 30 yuan per person per year; Choose 200 yuan to 400 yuan grade standard payment, the subsidy standard is not less than 45 yuan per person per year; Choose 500 yuan and above grade standard payment, the subsidy standard is not less than 60 yuan per person per year. Payment subsidies shall be borne by provincial and local governments according to the ratio of 2: 1. Encourage qualified places to raise the subsidy standards appropriately, and the specific measures shall be determined by the local people's government.

The local people's government pays all the minimum old-age insurance premiums for groups with severe disabilities and other payment difficulties.

Fourth, standardize personal accounts.

The human resources and social security departments establish individual accounts for endowment insurance for each insured person. Individual contributions, government subsidies, collective subsidies, funds in the new rural insurance account, financial subsidies for village cadres, contributions from other social and economic organizations or charitable organizations and individuals to the insured, and personal contributions during the pilot period before the implementation of the system are all credited to personal accounts. The amount stored in individual accounts shall bear interest according to the provisions of the state.

Five, the pension insurance treatment plan and adjustment

Endowment insurance for urban and rural residents consists of basic pension and personal account pension, which is paid for life.

(1) basic pension. The government pays the basic pension in full to the insured who meet the conditions for receiving the old-age insurance for urban and rural residents. The central government has set the national minimum standard for basic pensions and established a normal adjustment mechanism for the minimum standard for basic pensions. On the basis of the minimum standard of basic pension determined by the central government and its adjustment mechanism, the provincial people's government timely adjusted the basic pension standard in our province according to the economic development and price changes, and explored the establishment of a normal adjustment mechanism for the basic pension standard in our province. Where conditions permit, the basic pension standard can be appropriately raised, and the funds required for raising the standard shall be borne by the local people's government.

For urban and rural residents who pay fees according to the regulations, when receiving benefits, the basic pension of not less than 1 year will be increased every month according to the payment period. The additional funds shall be borne by the local people's government, and the specific standards shall be formulated by the local people's government.

(2) Personal account pension. The monthly payment standard of personal account pension is the total amount of personal account divided by 139. If the insured dies, the balance of personal account funds shall be inherited by the legal heir or designated beneficiary; If there is no legal heir or designated beneficiary, the balance of personal account funds shall be kept in the special account of local urban and rural residents' endowment insurance fund.

Six, pension insurance benefits to receive conditions

Those who have participated in the old-age insurance for urban and rural residents, who have reached the age of 60, paid a total of 15 years, and have not received the basic old-age security benefits stipulated by the state can receive the old-age insurance benefits for urban and rural residents on a monthly basis.

Before the implementation of this opinion, those who have received pension insurance benefits for urban and rural residents in accordance with the regulations will continue to receive them on a monthly basis. Among them, if there is a payment period for urban and rural residents' old-age insurance, they will enjoy the basic pension added according to the payment period from the month when this opinion is implemented.

When the local system is implemented, those who participate in the old-age insurance for urban and rural residents and are under the specified age of 15 shall pay the fees year by year, and they are also allowed to pay back. The cumulative payment does not exceed 15 years, and the payment period does not enjoy the government's payment subsidy; When the local system is implemented, those who participate in the old-age insurance for urban and rural residents and are more than 15 years away from the prescribed age shall pay the annual fee, and the accumulated fee shall not be less than 15 years. If the payment is interrupted for various reasons after being insured, it can be paid back before reaching the age of receiving pension insurance benefits, and the government's payment subsidy is not enjoyed during the interruption period and the payment period.

Seven. Funeral subsidy

After the implementation of this opinion, if the person receiving the pension insurance for urban and rural residents dies, the pension will be stopped from the month after his death, and a one-time funeral subsidy will be paid to his survivors. The standard is determined according to 10 month which is not lower than the basic pension standard enjoyed by the insured person in the month of death, and the required funds shall be borne by the local people's government.

Eight, transfer and system convergence

Those who participate in the old-age insurance for urban and rural residents and need to transfer the old-age insurance relationship between urban and rural residents across regions during the payment period shall apply for the transfer of the old-age insurance relationship at the place where they move in, transfer all the stored amount in their personal accounts at one time, and continue to pay insurance premiums according to the regulations of the place where they move in, and the payment period shall be calculated cumulatively. If the implementation time of the old-age insurance system for urban and rural residents is different between the transfer-out place and the transfer-in place (including the self-pilot time), if it is transferred from the first implementation place to the later implementation place, the personal account funds and the payment period will be calculated together; If the post-implementation place is transferred to the first implementation place, the repayment can be made voluntarily according to the implementation time and regulations of the transfer place, and the government's payment subsidy will not be enjoyed during the repayment period. Persons who have received pension insurance benefits for urban and rural residents according to regulations, regardless of whether the household registration is transferred or not, their pension insurance relationship is not transferred.

The connection between the old-age insurance for urban and rural residents and the basic old-age insurance for employees, special care and resettlement, the minimum living guarantee for urban and rural residents, the rural five guarantees and the rural family planning reward and assistance system shall be implemented in accordance with the relevant provisions.

Nine. Fund management and supervision

The endowment insurance fund for urban and rural residents shall be included in the financial special account of the social security fund, and two lines of revenue and expenditure shall be managed, with separate bookkeeping and independent accounting. No region, department, unit or individual may misappropriate, falsely report or impersonate.

Human resources and social security departments at all levels should conscientiously perform their supervisory duties in conjunction with relevant departments, improve the internal control system and fund audit supervision system, supervise and inspect the fund raising, transfer, distribution, storage and management, establish an open system for individual account funds and investment operations, disclose information according to regulations, and accept social supervision. The finance, supervision and auditing departments shall, according to their respective responsibilities, supervise the revenue and expenditure, management and investment operation of the fund. The relevant departments shall severely deal with such violations of discipline and law as false reporting, fraudulent use, misappropriation, corruption and waste in accordance with relevant state laws and regulations. Actively explore effective ways for village (neighborhood) representatives to participate in social supervision, so that the fund is open and transparent and the system operates in the sun.

Ten, handling management services and information construction

The endowment insurance agencies for urban and rural residents under the local human resources and social security departments are responsible for the endowment insurance business for urban and rural residents. People's governments at all levels should earnestly strengthen the capacity building of urban and rural residents' endowment insurance, enrich and strengthen the grass-roots handling power, and provide necessary workplaces, facilities and equipment and financial guarantee for the handling institutions. The personnel funds and working funds of the urban and rural residents' endowment insurance agencies shall be included in the fiscal budget at the same level, and shall not be charged from the urban and rural residents' endowment insurance fund. All localities should actively explore the establishment of a funding guarantee mechanism linked to the service population, business volume and work performance, and use modern management methods and government purchase services to reduce administrative costs and improve work efficiency.

The information management system of urban and rural residents' endowment insurance is included in the construction of "Golden Insurance Project" to share information resources with other citizens' information management systems; It is necessary to extend the information network to the grassroots level and realize the real-time networking of provinces, cities, counties, towns (streets) and villages (communities).

Eleven, strengthen organizational leadership and policy propaganda.

People's governments at all levels should fully understand the significance of improving the old-age insurance system for urban and rural residents, incorporate it into the local economic and social development plan and the annual target management assessment system, earnestly strengthen organizational leadership, and provide necessary financial support for the construction of the old-age insurance system for urban and rural residents. All localities and relevant departments should conscientiously do a good job in the propaganda of the old-age insurance policy for urban and rural residents, correctly grasp the guidance of public opinion, guide urban and rural residents to actively participate in the insurance payment, and protect the legitimate rights and interests of the insured.

Twelve. any other business

(a) this opinion has been implemented since 20 15 1, and the original provisions of our province are inconsistent with this opinion.

(2) The local people's governments shall, according to this opinion and in combination with the local conditions, formulate specific implementation measures and report them to the provincial human resources and social security department for the record.

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