Rural 65 years old and above old-age pension new policy

The new rural pension policy for the elderly over 65 years old is the new rural pension insurance policy, the new rural pension insurance policy is to establish a unified basic pension insurance system for urban and rural residents. In accordance with the spirit of the 18th CPC National Congress and the Third Plenary Session of the 18th CPC Central Committee on the integration of urban and rural residents' basic pension insurance system, based on the relevant provisions of the Social Insurance Law of the People's Republic of China, on the basis of summarizing the experience of the pilot of the new rural social pension insurance and urban residents' social pension insurance, the State Council has decided to merge the implementation of the two systems of the New Rural Pension Insurance and the Urban Residents' Pension Insurance, and to set up a uniform nationwide basic pension insurance system for urban and rural residents (urban and rural residents' pension insurance) nationwide.

Urban and rural residents who are at least 16 years old (excluding schoolchildren), and who are not staff members of state organs and institutions or not covered by the basic pension insurance system for employees, can participate in the urban and rural residents' pension insurance in their place of residence. The mission and objectives of urban and rural residents' pension insurance are to adhere to and improve the system model of combining social coordination and individual accounts, consolidate and broaden the fund-raising channels combining individual contributions, collective subsidies, and government subsidies, improve the entitlement payment policy combining the basic pension and the individual account pension, strengthen the incentive mechanism of the system of paying more for longer and getting more for more, establish a mechanism for normal adjustment of the basic pension, and sound the service network, improve the level of management, and provide convenient and fast services for insured residents. "By the end of the Twelfth Five-Year Plan period, the new rural insurance system and the urban residents' insurance system will basically be combined and implemented nationwide, and will be linked to the basic pension insurance system for employees; by 2020, a fair, uniform and standardized pension insurance system for urban and rural residents will be fully established, and will be complemented by other social security policies, such as social assistance and social welfare, so as to give full play to traditional forms of protection, such as family pension. The system will be complemented by other social security policies, such as social assistance and social welfare, and will give full play to the positive role of family old-age care and other traditional forms of protection, so as to better safeguard the basic life of insured urban and rural residents in old age.

And the pension insurance fund for urban and rural residents consists of individual contributions, collective subsidies and government subsidies.

(a) Individual contributions.

Participants in the urban and rural residents' pension insurance should pay the required pension insurance contributions. Contribution standards are currently set at 100 yuan, 200 yuan, 300 yuan, 400 yuan, 500 yuan, 600 yuan, 700 yuan, 800 yuan, 900 yuan, 1,000 yuan, 1,500 yuan, and 2,000 yuan per year, and the people's governments of the provinces (districts and municipalities) may set up additional contribution brackets according to the actual situation, with the maximum contribution bracket standards not exceeding the annual contributions of the locally flexibly employed persons to participate in the basic pension insurance for employees, and the maximum contribution bracket standards not exceeding the annual contributions of the locally flexibly employed persons. The maximum contribution standard shall, in principle, not exceed the annual contribution amount of local flexibly employed persons participating in the basic pension insurance for employees, and shall be reported to the Ministry of Human Resources and Social Security for the record. The Ministry of Human Resources and Social Security, in conjunction with the Ministry of Finance, shall adjust the standard of the contribution level in due course according to the growth of the income of urban and rural residents. Participants independently choose the level of contributions, and pay more to get more.

(ii) collective subsidies.

The conditions of the village collective economic organization should be subsidized by the participants to pay contributions, the subsidy standard by the Villagers Committee to convene a meeting of the villagers to determine democratically, and encourage the conditions of the community will be included in the collective subsidies to the community public welfare undertakings within the scope of fund-raising. Encourage other social and economic organizations, public welfare and charitable organizations, individuals to provide financial assistance for the contributions of participants. The amount of subsidies and financial assistance does not exceed the locally set standard for the highest contribution bracket.

(C) government subsidies.

The government pays the full amount of the basic pension to participants who meet the conditions for receiving urban and rural residents' old-age insurance benefits, of which the central government gives full subsidies to the central and western regions in accordance with the centrally determined standard for the basic pension, and gives 50% subsidies to the eastern regions.

Local people's governments shall subsidize the contributions of insured persons, and the subsidy standard shall be no less than 30 yuan per person per year for those who choose to contribute to the lowest grade standard; the amount of subsidy shall be appropriately increased for those who choose to contribute to a higher grade standard; and the subsidy standard shall be no less than 60 yuan per person per year for those who choose to contribute to a grade standard of 500 yuan or more, with the specific standards and methods to be determined by the people's governments of the provinces (autonomous regions and municipalities). For groups with difficulties in making contributions, such as severely disabled persons, the local people's governments pay part or all of the minimum standard pension insurance premiums on their behalf.

Legal basis

The Opinions of the State Council on the Establishment of a Unified Basic Pension Insurance System for Urban and Rural Residents (Guofa [2014] No. 8), in accordance with the spirit of the 18th CPC National Congress and the Third Plenary Session of the 18th CPC Central Committee on the Integration of the Basic Pension Insurance System for Urban and Rural Residents, and on the basis of the Chinese People's **** and the State Social Insurance Law The State Council decided, on the basis of the pilot experience of the new rural social pension insurance (hereinafter referred to as the new rural insurance) and the urban residents' social pension insurance (hereinafter referred to as the urban residents' pension insurance), to merge the implementation of the two systems of the new rural insurance and the urban residents' pension insurance, and to set up a unified urban and rural residents' basic pension insurance (hereinafter referred to as the urban and rural residents' pension insurance) system on a nationwide basis.

Second, the mission and objectives

Adhereby adhere to and improve the system mode of combining social integration and individual accounts, consolidate and broaden the fund-raising channels combining individual contributions, collective subsidies and government subsidies, improve the treatment and payment policies combining the basic pension and individual account pension, strengthen the incentive mechanism of the system of long-term payment and more payment, establish a normal adjustment mechanism of the basic pension, improve the service network, and improve the basic pension system, as well as improve the service network. adjustment mechanism for basic pensions, improve the service network, raise the level of management, and provide convenient and quick services for insured residents. "By the end of the Twelfth Five-Year Plan period, the new rural insurance system and the urban residents' insurance system will basically be combined and implemented nationwide, and will be connected with the basic pension insurance system for employees; by 2020, a fair, uniform and standardized pension insurance system for urban and rural residents will be fully established, and will be complemented by other social security policies, such as social assistance and social welfare, so as to fully bring into play the positive role of traditional forms of security, such as family old-age pension. The positive role of traditional forms of protection, such as family pension, will be fully utilized to better safeguard the basic lives of insured urban and rural residents in old age.

Third, the scope of participation

At least 16 years of age (excluding school students), non-State organs and institutions and urban and rural residents who are not covered by the basic pension insurance system for employees can participate in the urban and rural residents' pension insurance in the place of household registration. Fabulous associations: Fourth, fund mobilization

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

(a) Individual contributions.

People participating in the urban and rural residents' pension insurance should pay the required pension insurance premiums. Contribution standards are currently set at 100 yuan, 200 yuan, 300 yuan, 400 yuan, 500 yuan, 600 yuan, 700 yuan, 800 yuan, 900 yuan, 1,000 yuan, 1,500 yuan, and 2,000 yuan per year, and the people's governments of the provinces (districts and municipalities) may set up additional contribution brackets according to the actual situation, with the maximum contribution bracket standards not exceeding the annual contributions of the locally flexibly employed persons to participate in the basic pension insurance for employees, and the maximum contribution bracket standards not exceeding the annual contributions of the locally flexibly employed persons. The maximum contribution standard shall, in principle, not exceed the annual contribution amount of local flexibly employed persons participating in the basic pension insurance for employees, and shall be reported to the Ministry of Human Resources and Social Security for the record. The Ministry of Human Resources and Social Security, in conjunction with the Ministry of Finance, shall adjust the standard of the contribution level in due course according to the growth of the income of urban and rural residents. Participants independently choose the level of contributions, and pay more to get more.

(ii) collective subsidies.

The conditions of the village collective economic organization should be subsidized by the participants to pay contributions, the subsidy standard by the Villagers Committee to convene a meeting of the villagers to determine democratically, and encourage the conditions of the community will be included in the collective subsidies to the community public welfare undertakings within the scope of fund-raising. Encourage other social and economic organizations, public welfare and charitable organizations, individuals to provide financial assistance for the contributions of participants. The amount of subsidies and financial assistance does not exceed the locally set standard for the highest contribution bracket.

(C) government subsidies.

The government pays the full amount of the basic pension to participants who meet the conditions for receiving urban and rural residents' old-age insurance benefits, of which the central government gives full subsidies to the central and western regions in accordance with the centrally determined standard for the basic pension, and gives 50% subsidies to the eastern regions.

Local people's governments shall subsidize the contributions of insured persons, and the subsidy standard shall be no less than 30 yuan per person per year for those who choose to contribute to the lowest grade standard; the amount of subsidy shall be appropriately increased for those who choose to contribute to a higher grade standard; and the subsidy standard shall be no less than 60 yuan per person per year for those who choose to contribute to a grade standard of 500 yuan or more, with the specific standards and methods to be determined by the people's governments of the provinces (autonomous regions and municipalities). For groups with difficulties in paying contributions, such as severely disabled persons, the local people's governments will pay part or all of the minimum standard pension insurance premiums on their behalf.