Lao Nong Bao is a type of pension insurance policy targeting rural non-urban residents.

The basic principles of rural pension insurance are to ensure that the level is consistent with the development of rural productivity and the endurance of all aspects; social pension insurance is closely integrated with family support, soil protection and social welfare; the relativity of rights and obligations, etc.; efficiency comes first and fairness is taken into account ; Taking self-security as the leading role, with collective financial assistance as assistance, my country provides supportive policies, and government agencies and farmers themselves are closely integrated.

China has the largest elderly population in the world, 75% of which live in rural areas.

According to surveys, there are still some rural people who are not included in social security.

In 1998, the number of cities and towns that established social security Internet accounts for only 41% of the total number of villages and towns in the country, and the number of village committees that established social security foundations accounted for less than 20% of the total number of village committees.

The number of migrant workers in China's cities has increased from less than 2 million at the time of China's reform and opening up to more than 200 million today.

Although many people work in cities, the pension insurance policy is not very sound. As a result, farmers who work in cities have neither rural pension insurance nor pension insurance.

However, because rural pension insurance is usually deposit-based, with farmers’ individual payments as the mainstay and group subsidies as assistance, fund operations are not compliant, and the level of insurance is not very high, so farmers have no initiative to pay.

The emergence of rural social security means that rural pension insurance has entered a new stage of development. Why is the new rural pension insurance called rural social security? It is a new insurance model compared to the rural pension insurance previously implemented across the country.

Compared with rural social security and elderly farmers' insurance, there are two obvious characteristics.

First, the structure of raising funds is different.

In the past, the farmers' insurance was usually paid by the farmers themselves, which was actually a form of their own savings.

The essential difference of rural social security is that individual payment, group subsidy and government subsidy are closely combined, which are three financing channels; secondly, the old farmer's security usually creates a farmer account, and rural social security is divided into two categories in the transaction structure: one part is pension and pension

, the other part is the pension insurance benefit of the personal account.

Pensions and pensions are collected by the State Finance Bureau.

Resident pension insurance must be inherited and developed on the basis of rural social security.

Compared with the rural pension insurance and rural social security, a unified resident pension insurance was gradually established in 2014. It is usually created by merging the original commercial pension insurance for urban residents and the new rural pension insurance. Its payment methods, government subsidy policies,

The calculation method of pension is not much different from that of rural social security.

However, the comprehensive level is getting higher and higher, and it belongs to the prefecture-level and municipal-level coordination. The fund operation is more standardized and is managed and operated uniformly through the resident pension insurance stock fund. The scope of social security payment has been increased, covering all people who have not participated in the urban pension insurance.

Urban residents are an important part of our multi-level social security system.

At this stage, the participation rate of residents’ pension insurance is very high. People who have jobs paying for urban pension insurance can also pay residents’ pension insurance.

Because payment methods in urban areas are more efficient and there are many payment levels, there is a lot of room for choice.

The current minimum payment standard is only 300 yuan per year, and my country also provides corresponding subsidies. The maximum payment standard is now basically around 3,000 yuan to 5,000 yuan. At present, the highest payment standard in Beijing has been raised to 9,000 yuan per year is more suitable for urban residents with different incomes.

As long as you hold this ID card, people in the village can apply for payment at the place of household registration. After paying the fee for 15 years, you can receive pension when you reach the age of 60.

Should people in the village buy themselves personal social security?

In fact, the meaning of social security covers not only social pension insurance, but also medical insurance.

However, this personal social security mainly refers to personal social security in a narrow sense, and actually refers specifically to social pension insurance.

For thousands of years in rural areas of my country, farmers have never enjoyed pension insurance benefits. Relying on land resources for pension services and carrying on the family line have been the old pension model for villagers.

In fact, the design of rural pension insurance rules and regulations also takes into account the element of land. Land resources are the lifeblood of farmers and an extremely important factor of production. Pension services relying on land resources are not only reasonable in the past, but will also continue to be included in commercial insurance management in the future.

in the system.

With the progress of the times, everyone's concept of elderly care has changed. At present, many rural people's concept of personal social security has improved significantly.

In rural areas, the penetration rate of medical insurance has basically reached 100%. As part of the social pension insurance, when the rural social security rules and regulations are implemented, all farmers who reach the age of 60 can receive the state’s free prerequisite pension insurance fund. Prerequisites in most areas The pension insurance fund is only 100 yuan per month, but it is also 1,000 yuan every year. In the environment where many places in rural my country have just announced plans to get rid of poverty and become rich, the pension insurance fund of 1,000 yuan a year is still quite useful. The elderly have this When it comes to money, they basically don’t reach out to ask their children for more money, and this is why rural elderly people can choose to spend their money freely.

Needless to say, there are people in the village who are working outside. The first group of people who have gone to work have already retired and returned to their hometowns, living a comfortable and well-fed old age life. There are still people working in the countryside, and many of them have purchased social pension insurance. Many of them are still working in the countryside.

People have received pensions.