Qilu One Point reporter Zhao Qinghua intern Ni Haoyu correspondent Liu Xiaowei Wang Zhuo
The 2022 urban and rural residents’ basic endowment insurance centralized payment period in Jinan City started on April 1 Everyone knows that the basic endowment insurance for urban and rural residents implements annual payment, so what is the specific payment level? How much is the government subsidy? What are the conditions for receiving benefits? … In response to these questions of public concern, Qilu Yidian reporter contacted the Jinan Social Insurance Center to answer.
Insurance coverage:
Residents over 16 years old (excluding school students) who have not participated in other social endowment insurance can apply for insurance in Jinan City The place of household registration participates in the basic endowment insurance for urban and rural residents.
Payment level:
The insured can choose the payment level independently. From April to June every year is the centralized payment period, and the payment is made once a year. Those who have completed the insurance registration can directly choose the payment level to complete the payment through the payment channel provided by the tax department. It is divided into 11 grades: 300 yuan, 500 yuan, 600 yuan, 800 yuan, 1000 yuan, 1500 yuan, 2000 yuan, 2500 yuan, 3000 yuan, 4000 yuan and 5000 yuan. If the insured chooses the payment grade in the current year and has paid the fee in full, the payment grade cannot be changed, and the payment grade can be changed in the following year.
Government subsidy standard:
CNY 300, CNY 40, CNY 500, CNY 600, CNY 60, CNY 800, CNY 1,000, CNY 1,500, 2000 yuan subsidy 80 yuan, 2500 yuan subsidy 85 yuan, 3000 yuan subsidy 90 yuan, 4000 yuan subsidy 95 yuan, 5000 yuan subsidy 100 yuan. The insured can enjoy the corresponding standard payment subsidy by paying premiums in the current year; those who make up the previous year’s premiums cannot enjoy the premium payment subsidy.
Collection conditions:
Individuals who have participated in the basic resident endowment insurance, aged 60 or above, have participated in the insurance according to the regulations and have not received the basic endowment insurance stipulated by the state Those who receive benefits can receive resident basic endowment insurance pension benefits on a monthly basis.
It should be noted in particular that when the basic endowment insurance system for residents is implemented (subject to the implementation time of each district and county), insured persons over the age of 45 but under the age of 60 shall pay the premiums on an annual basis, and the cumulative payment period shall be It should not be less than the remaining years from the actual age to the age of 60. Supplementary payment is also allowed, but the cumulative payment period after supplementary payment shall not exceed 15 years. When the policy is implemented, those under the age of 45 should pay the fees on an annual basis, and the cumulative payment should not be less than 15 years.
For example, when Mr. Zhang was 50 years old when the policy was implemented, his payment during the period of 50-60 years old must be paid in full. , You can receive benefits when the cumulative payment is over 11 years. In addition, if Zhang wants to make a supplementary payment, supplementary payment is also allowed, but the cumulative payment period after supplementary payment shall not exceed 15 years.
Composition of benefits:
The pension benefits of resident basic pension insurance consist of basic pension and personal account pension, and the pension is paid for life.
Basic pension. The basic pension is paid in full to the insured who meet the requirements. The current basic pension standard in Jinan City is 160 yuan per person per month, and the pension insurance benefits for insured persons aged 65 and above are appropriately inclined. For persons aged 65-74, their basic pension is higher than the basic pension standard by 5 yuan per month; for those over 75 years old (inclusive), each month is higher than the basic pension standard by 10 yuan, and they will enjoy the next month of age. treatment.
Personal account pension. The monthly calculation and payment standard of personal account pension is the total accumulation of funds in the personal account divided by the calculation and payment coefficient of 139.
Implementation of the pension incentive policy for contribution years. In order to encourage and guide residents to participate in the insurance early, pay for a long time, and continue to insure, after participating in the basic pension insurance for residents for 15 years (excluding the period of supplementary payment), for each additional year of payment, when receiving the benefits of the residents’ endowment insurance, an appropriate increase should be paid. Yearly basic pension. The standard of basic pension in Jinan City is 2 yuan per month.
Funeral subsidy:
If the recipient of the resident basic endowment insurance benefits dies, the pension payment will be stopped from the next month. If the relevant personnel go through the cancellation registration of the basic resident endowment insurance within 30 days after the death of the benefit recipient, they will receive a one-time funeral subsidy of 1,000 yuan after the procedure is completed. If the registration is cancelled for more than 30 days, and it is verified that no pension has been falsely claimed or that the pension that has been falsely claimed has been returned, the relevant personnel can apply for approval in writing and reclaim the funeral subsidy. After the death of a resident basic endowment insurance participant, the balance of funds in the individual account can be inherited according to law.
Transfer and continuation between basic resident endowment insurance:
Transfer across regions during the payment period of the insured person of resident basic endowment insurance, the endowment insurance relationship and The funds in the personal account are transferred to the new insured place with the household registration, calculated according to the relevant standards of the new insured place, and enjoy the corresponding treatment; the insured person reaches the age of receiving pension benefits and has received the pension benefits, and his pension insurance relationship will not be transferred. Secure land to receive pension benefits.
Transfer and continuation between the basic resident endowment insurance and the basic endowment insurance for employees:
If the insured person transfers from the basic resident endowment insurance to the basic endowment insurance for employees, the individual basic endowment insurance All the savings in the account are merged into the personal account of the basic pension insurance for employees, and the payment years for the basic pension insurance for residents are not combined or converted into the basic pension insurance years for employees.
If the insured person transfers from the employee basic endowment insurance to the resident basic endowment insurance, all the savings in the employee’s basic endowment insurance personal account shall be merged into the resident’s basic endowment insurance personal account, and the payment period of the employee’s basic endowment insurance shall be merged. Calculated as the payment period of the resident basic endowment insurance.
If the insured participates in both the employee basic endowment insurance and the resident basic endowment insurance in the same year, the repeated payment period (calculated on a monthly basis) only counts the payment period of the employee basic endowment insurance, and the resident basic endowment insurance The corresponding individual contributions and collective subsidies will be refunded to the individual during the period of repeated insurance payment.