How many years do you need to pay into the rural pension insurance?

The New Rural Social Pension Insurance is a type of social pension insurance sponsored by the government, with financial subsidies and collective subsidies, and ultimately backed by the government. Unlike commercial insurance, it is not for profit. It is a social insurance system in China's rural areas under which people with non-urban household registration pay a certain amount of insurance premiums and, when they are old and unable to engage in productive labor, receive help from the state and society and enjoy a pension so as to guarantee their basic living needs.

How many years do you pay into the rural pension insurance?

Rural pension insurance must be paid for at least 15 years. Under the national New Rural Social Pension Insurance, the annual payment standard is divided into 5 tiers: 100 yuan, 200 yuan, 300 yuan, 400 yuan and 500 yuan. For insured persons aged 16 or above but under 60, on top of their personal contributions, each person receives a subsidy of 30 yuan per year; this subsidy is deposited directly into the individual account and cannot be used to offset contributions. For those aged 60 or above who voluntarily choose to make a one-time lump-sum payment, a subsidy of 30 yuan per person per year is also granted according to the number of years paid in the lump sum, but it can be used to offset contributions.

How much do you pay into the rural pension insurance?

1. Each county and city specifies the personal contribution. Insured individuals pay the pension insurance premium annually. The payment standards are set at 10 tiers: 100 yuan, 200 yuan, 300 yuan, 400 yuan, 500 yuan, 600 yuan, 700 yuan, 800 yuan, 900 yuan and 1,000 yuan. Insured persons may voluntarily choose their personal payment standard according to their own and their family's economic circumstances; the more they pay, the more they receive.

2. In terms of exit subsidies, a minimum subsidy of 45-65 yuan per person per year is determined respectively, and the minimum monthly pension payment per person reaches 120 yuan. At the same time, long-term contributions are encouraged: for farmers and herdsmen who have paid for a cumulative total of 15 years, for each additional year of contribution, the basic pension increases by no less than 2 yuan per month.

3. In terms of entry subsidies, a minimum subsidy of 20-60 yuan per person per year is determined respectively. At the same time, paying more is encouraged: for those who choose a payment tier of 100 yuan or above, for each increase in payment tier, the subsidy increases by no less than 5 yuan per person per year.

4. For disadvantaged groups such as persons with severe disabilities in urban areas, the government pays the pension insurance premium at the minimum standard on their behalf.

Application for participation in rural pension insurance

All persons who meet the provisions of Article 3 of the Implementation Opinions shall apply to the service center at their place of household registration to participate in the New Rural Pension Insurance. They shall choose a payment tier, fill in the New Rural Social Pension Insurance Participation Registration Application Form, sign the Agreement Entrusting the Bank to Deduct Rural Social Insurance Premiums (hereinafter referred to as the Deduction Agreement), and provide the following materials:

1. The original and a photocopy of the resident identity card (for second-generation resident identity cards, both the front and back must be photocopied).

2. The original and a photocopy of the resident household register (the main page and the page for the person concerned).

3. For those who cannot provide the original resident household register and whose category as an “agricultural household” cannot be determined, the original household registration certificate issued by the police station at their place of household registration confirming them as an “agricultural household” must be provided.

4. The original and a photocopy of the applicant's own “real-name” bank card (passbook) from the designated bank (hereinafter referred to as the bank card).

Note: If the applicant cannot handle the matter in person due to special circumstances, they may entrust a relative or the village application assistant to handle the application procedures on their behalf. When the entrusted person handles the matter at the service center, they must present the New Rural Social Pension Insurance Application Entrustment Letter signed, sealed or fingerprinted by the entrusting party for confirmation, or a compliant handwritten entrustment letter in original form (hereinafter referred to as the Entrustment Letter), as well as the original and a photocopy of the entrusted person's own resident identity card.

Rural pension insurance processing procedures

1. The service center is responsible for the preliminary review of the applicant's eligibility for participation. After the preliminary review is passed, it shall submit the Registration Application Form, the Deduction Agreement and photocopies of the relevant materials to the district or county rural insurance center.

2. The district or county rural insurance center is responsible for re-examining the applicant's relevant information. If the requirements are met, it shall handle the matter according to the following procedures:

①Initialize the person's personal information in the public basic information management of the bureau's information system.

②Carry out personal registration in the Shanghai New Rural Social Pension Insurance Information Management System (hereinafter referred to as the rural insurance system), and enter the relevant information from the Registration Application Form into the rural insurance system.

③Print the New Rural Social Pension Insurance Participation Registration Verification Form (hereinafter referred to as the Registration Verification Form), and after stamping it, the township service center shall hand it to the applicant.

④Establish an individual account for the applicant in the rural insurance system.

⑤Enter the payment standard in the rural insurance system.

Note: If the conditions for participation are not met or the relevant information is incorrect, registration shall not be carried out, and the reasons shall be notified to the applicant in writing.