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In 2009, Chongqing City chose Wanzhou District, Qianjiang District, Dadukou District, Jiulongpo District, Nan'an District, Beibei District, Hechuan District, Yongchuan District, Nanchuan District, Tongnan District, Liangping County, Dianjiang County, Wulong County, Wushan County and Youyang County have launched a pilot program of basic social pension insurance for urban and rural residents, which will cover all districts and counties (autonomous counties) by 2012. Although Jiangjin is not yet within the scope of the pilot, it should be able to enter the pilot before the end of 2012. By then, your grandpa will be able to enjoy the national basic social pension insurance policy for urban and rural residents. The specific policies are as follows:
1. Who can participate in resident pension insurance?
The following people with household registration in our city can voluntarily participate in resident pension insurance:
(1) Rural residents over 16 years old;
(2) ) Urban flexible employment personnel over 16 years old;
(3) Urban residents over 60 years old who do not enjoy basic pension insurance (retirement) benefits.
Full-time students and those who have received basic pensions, retirement benefits or pension benefits on a monthly basis are not allowed to participate in resident pension insurance; those who have participated in basic pension insurance for urban enterprise employees, pension insurance for migrant workers, and government institutions Personnel covered by workplace pension insurance will no longer participate in resident pension insurance during the same period.
2. Where can I apply for social pension insurance for urban and rural residents?
Urban and rural residents who meet the insurance conditions and voluntarily participate in the residents' pension insurance should bring their resident ID cards and household registration books to the social security service office of the township (street) where their household registration is located to apply for participation in the residents' pension insurance. If you are unable to declare directly due to special circumstances, you can also entrust the village committee (community committee) where your household registration is located to go to the township (street) Social Security Bureau with the client's resident ID card (copy), household registration book (copy) and written power of attorney. The service center handles insurance registration procedures.
3. Are there any differences in policies for people of different age groups to participate in resident pension insurance?
Applicable policies are different for insured persons of different ages. When the pilot project was carried out in this region, it was divided into three categories: young people, middle-aged people and elderly people according to different ages.
Young people refer to urban and rural residents who are at least 16 years old and not more than 45 years old (inclusive) in the month when the pilot is launched in the district or county (autonomous county) where their household registration is located.
Middle-aged people refer to urban and rural residents who are over 45 years old and under 60 years old in the month when the pilot is launched in the district or county (autonomous county) where their household registration is located.
The elderly refer to urban and rural residents who are 60 years old or above in the month when the pilot is launched in the district or county (autonomous county) where their household registration is located, and who do not enjoy other basic pension insurance (retirement) benefits. In pilot districts and counties (autonomous counties) in 2009, the age definition for persons aged 60 and above was unified to August 31, 2009.
The birth date of the insured person shall be based on the birth date recorded on the resident ID card
IV. Insurance policy for the elderly
(1) Insurance method
Elderly people can choose two ways to participate in insurance.
Method 1: The elderly do not need to pay, but their children who meet the insurance conditions should pay.
Method 2: Elderly people who have the conditions can also choose to pay.
Monthly payment levels: There are three levels: 40 yuan, 60 yuan, and 90 yuan.
Payment amount: monthly payment grade multiplied by the number of payment months.
Number of payment months: Calculated based on the actual number of months left before the person reaches the age of 75. The minimum period shall not be less than 60 months.
Payment method: One-time payment. Once the payment grade is selected, it cannot be changed.
The government will also provide subsidies to elderly people who choose to pay. According to their payment period, each person pays 30 yuan in pension insurance premiums every year (deducted from the amount payable). Among them, for severely disabled people whose disability level reaches level 1 or 2, the government will pay an additional 40 yuan in pension insurance premiums per person per year (deducted from the amount payable).
(2) Composition of pension benefits
1. Elderly people who choose not to pay contributions
Receive a basic pension on a monthly basis, which is currently 80 per person per month Yuan.
2. Elderly people who choose to pay
Receive a basic pension on a monthly basis, which consists of a basic pension (currently 80 yuan per person per month) and a personal account pension (That is, the monthly payment grade selected when making a one-time payment) consists of two parts.
If the above two categories of people (including young and middle-aged people reaching 60 years old) meet the conditions, they can also receive two additional special benefits: First, parents of only children will receive an additional basic pension of 10 yuan per month. The second is to provide an additional basic pension of 10 yuan per month to senior citizens over 70 years old.
(3) Where can pensioners receive basic pension?
Basic pensions are issued by banks entrusted by resident pension insurance agencies. The insured person can receive the basic pension at any bank branch with his bank passbook (card).
(4) What procedures should be completed if a pensioner dies after receiving basic pension on a monthly basis, and what other benefits can he enjoy?
After the insured person dies, the basic pension will be stopped from the month following the death. His relatives or interested parties should submit a valid death certificate to the social security service station in the insured place within 30 days, and Receive a one-time death benefit as required. The standard is the person’s last month’s pension benefit at the time of death multiplied by 12 months.
(5) After the death of the consular officer, what should I do if there is still a balance in his or her personal account?
The resident pension insurance agency shall return the accumulated principal and interest balance of the deceased person’s personal account (minus the government subsidy) to the designated beneficiary or legal heir in accordance with regulations. At the same time, the basic pension will be suspended and the pension insurance relationship will be terminated from the month following the death.