Farmers' pension applications will begin next week! If you pay 45000 a month for 40 years, the return of agriculture and labor can overlap, and practitioners can also participate.

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Farmers' retirement fund will be on the road next year and applications will begin next December 7. On June 10 this year, the government announced the regulations on Farmers' Retirement savings Fund. For farmers under the age of 65 and with the status of agricultural insurance, the government will allocate the corresponding proportion to the special savings account when they pay 1% to 10% of the minimum labor wage in the future, and they can receive the retirement fund when they are 65 years old.

The basic salary will be adjusted to 24,000 yuan next year (2021). Take the 25-year-old young farmer as an example, if he pays a maximum of 2400 yuan a month for 40 years, and receives the old farmer's allowance plus retirement savings from the age of 65, he will receive about 40, 5590 yuan a month. The old farmer's allowance is received until he dies, and the retirement savings can be received until the age of 85. if he dies early, his family can claim it. The Council of Agriculture estimates that 60,000 farmers will participate next year.

Chen Yi-ren, deputy director of the guidance Department of the Council of Agriculture, explains that military education and national annuity recipients cannot receive the old farmer's allowance, but the farmers' retirement fund system does not conflict with the labor pension account, and people who have worked in society can still participate if they change jobs from farmers. Some farmers will take odd jobs when they are idle. Chen Yiren said that the regulations clearly allow labor and agricultural insurance to be repeated for 180 days a year, and part-time farmers can have special accounts for both labor and agricultural retirement.

Chen Jizhong, chairman of the Council of Agriculture, explained the retirement fund system for farmers (Photo / Lin Yijun)

The highest rate will be paid for 40 years, and the monthly income for retirement will be 40, 5590 yuan.

At present, there are three major insurances in the domestic farmers' welfare system, namely, farmers' health insurance (hereinafter referred to as agricultural insurance), farmers' occupational disaster insurance and agricultural insurance. Among them, the largest number of participants are agricultural insurance (1.05 million) and agricultural occupational disaster insurance (270000). Now there is a big guarantee for farmers' retirement savings. President Tsai ing-wen announced the regulations on Farmers' Retirement Fund on June 10 this year, which will come into force on January 1 next year.

Chen Jizhong, chairman of the Council of Agriculture, explained that the probability of injury in farmers is 14 times higher than in other occupations. at present, only "injuries" are guaranteed in farmers' occupational disasters, and "diseases" will also be included in the future. Agricultural insurance has already tried out some crops this year. Next year, income insurance will also be introduced for rice in the second phase, and compulsory insurance will be provided for the death of pigs. The farmers' pension system is modelled on the labor pension system, under the basic protection of the original agricultural insurance and old farmers' allowance system, coupled with the individual accounts of farmers' retirement savings funds, which are jointly paid by farmers and the government on a monthly basis to encourage farmers to save for the aged.

The participation qualification of the special account of farmers' retirement savings fund is: those who are under 65 years old and have not received social insurance benefits for the elderly. According to 1% to 10% of the monthly basic salary of workers (20, 4000 yuan in 2021), the government will also allocate the relative amount to individual special accounts. The rate of withdrawing contributions can be adjusted every May and November, and the amount of contributions will also be adjusted in line with the statutory basic salary in the future, with an average annual increase of 2% and fund income of 3%.

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Starting from December 7 next week, eligible farmers can bring a photocopy of their ID card, the application form (from the closing letter of agricultural work), and the letter of transfer agreement to the township and district peasant associations, which will be inspected through the peasant welfare data management system after receiving the documents. After the examination and approval, they will log in in the information system of the Council of Agriculture, notify the Labor Insurance Bureau, and send them to the local competent authorities for reference.

As for the part of the old farmer's allowance, the farmers with the status of agricultural insurance pay 78 yuan of insurance premium per month, and they can receive the old farmer's allowance if they have paid for more than 15 years and have reached the age of 65. With the current monthly allowance of 7550 yuan for old farmers, it will be adjusted every four years according to the consumer price index (4%).

With the old farmers' allowance and the agricultural retirement savings fund, there is a double guarantee for the farmers' old age. Calculated on the basis of an average remaining life of 20 years and a maximum payment rate of 2400 yuan, farmers who withdraw contributions for 25 years from the age of 40 will receive 24,530 yuan a month; farmers who have paid for 35 years from the age of 30 will receive 37245 yuan a month; and farmers who have been paid for 40 years from the age of 25 will receive 40,000 yuan a month.

Labor and agricultural insurance can overlap 180 days a year, and part-time farmers can have special accounts for agricultural retirement and retirement at the same time.

When the Legislative Yuan passed the draft "Farmers' Retirement Fund" on 22 May this year, some farmers asked if they already had the status of labor insurance before working outside the country, changed to agricultural insurance after changing agriculture, and joined the peasant retirement fund system in the future. What should I do with the labor pension paid in the past?

In this regard, Chen Yiren, deputy director of the guidance Department of the Council of Agriculture, explained that both farmers' retirement savings and labor pensions are individual accounts, and they are not in conflict. They can also participate in farmers' retirement savings if they have labor pensions, but labor insurance benefits for the elderly belong to social insurance. They are not eligible for agricultural insurance and cannot receive old farmers' allowances.

On the other hand, some domestic farmers are part-time farmers, and they will take odd jobs in idle seasons. if part-time farmers do odd jobs and labor insurance, will they conflict with agricultural insurance and be unable to participate in the farmers' retirement fund system? Chen Yiren said that the regulations allow labor and agricultural insurance to be repeated for 180 days a year, meaning that farmers who are eligible for agricultural insurance can have labor insurance status at the same time. Once the number of days exceeds, they will be dominated by labor insurance, but below this number of days, farmers can enjoy both farmers' retirement savings and labor pension accounts.

There are facts about farming, but farmers who are not qualified for agricultural insurance due to difficulties in obtaining leases, Chen Yiren said that those who orally rent, are qualified as practical tillers and do not receive other social insurance shall be checked and certified by the agricultural reform farm to participate in the farmers' retirement fund system.

It is estimated that 60, 000 people will attend next year, with a budget of 1.6 billion yuan for the first year.

According to the statistics of the Council of Agriculture, there are a total of 450000 people under the age of 65 who are eligible for agricultural insurance, of which 300000 are over 50 and 150000 are under 50. The Council of Agriculture estimates that in the first year, the participation rate of farmers over 50 years old is about 10%, and that of farmers under 50 years old is about 20%, a total of 60,000 people.

If the maximum withdrawal ratio is 10% and each person withdraws 2400 yuan per month, the Council of Agriculture estimates that the funding for the first year will be 1.6 billion yuan, and it is estimated that the next annual expenditure will range from 1 billion to 2 billion yuan. However, if the number of participants increases in the future, will the official budget be sufficient? Chen Jizhong, chairman of the Council of Agriculture, said that at present, increasing this amount of funding will not put pressure on the official budget, and farmers will not necessarily pay the highest rate. Chen Yiren explained that the future funding will be adjusted according to the number of participants.

The special account for agricultural refund shall be managed by the Labor Fund Operation Bureau, which ensures that "participation will be obtained".

The special accounts for farmers' retirement savings are carried out by the Labor Insurance Bureau and the Labor Fund Application Bureau of the Council of Agriculture and the Ministry of Labor, and the inter-departmental division of labor will be carried out, and the Council of Agriculture will entrust local peasant associations to accept farmers' applications and formalities; the Labor Insurance Bureau is responsible for the income, expenditure and custody of individual farmers' retirement savings accounts, while the Labor Fund Operation Bureau is responsible for the use, operation and management of farmers' retirement funds.

The Council of Agriculture estimates that the annual income of the fund is 3%, but a few days ago, officials of the Labor Fund Operation Bureau were involved in corruption and lost performance of the labor fund. Are farmers' retirement savings guaranteed? Chen Jizhong repeatedly stressed that 3% is the minimum number stipulated in the laws and regulations, and the farmers' retirement savings fund is a special account, and there will be no problem of not getting it.