Preamble:
In recent years, with the changes in the population structure of the mainland and the large-scale migration of the rural population, the problem of the left-behind elderly in rural areas has become increasingly prominent, and how to protect the rights and interests of farmers for the elderly has become a hot topic of concern from all walks of life. However, under the current old-age insurance system, after participating in the old-age insurance for urban and rural residents, the treatment enjoyed by farmers is less than that of urban workers, especially in terms of funeral expenses and pensions, which brings certain economic pressure to farmers' families.
First, the benefits of peasants' participation in pension insurance are insufficient
With the advancement of urban-rural integration, it has become a trend for farmers to participate in the old-age insurance of urban and rural residents, however, due to historical reasons and the constraints of economic conditions, the treatment of farmers participating in insurance is insufficient compared with that of urban workers, especially in the distribution of funeral expenses and pensions.
1. Only funeral expenses will be subsidized
According to the current policy provisions, once a peasant participates in the old-age insurance for urban and rural residents, once he dies, his family can only receive a certain amount of funeral subsidies, but there is no pension payment, and there is a certain gap between this and the treatment of urban workers.
2. There are large differences between regions
In addition, there are large differences in the standard of funeral expenses after farmers participate in the insurance, some places are issued according to a fixed amount, while some places are issued according to a certain number of months of local basic pension, and this differentiated standard is easy to affect the fairness of farmers.
3. The standard of farmers' pensions is low
At the same time, there are also certain problems in the distribution of peasants' pensions, and the standard of peasants' pensions is relatively low compared with those of the insured personnel of enterprises and institutions, which also brings certain economic pressure to peasant families and cannot effectively guarantee their basic livelihood.
Second, the standard should be adjusted according to the local economic level
In view of the current problem of funeral expenses and pensions after farmers participate in insurance, the relevant departments can make improvements in the following aspects to better protect the pension rights and interests of farmers.
1. Adjust according to the level of local economic development
First of all, the standards for the payment of funeral expenses and pensions can be considered to be adjusted according to the local economic development level and price level; for economically backward areas, the standards can be appropriately raised to ensure the basic livelihood of peasant families, and for economically developed areas, the standards can be adjusted accordingly to make them more reasonable.
2. Establish a unified issuance standard
At the same time, a unified pension insurance and funeral expense system for urban and rural residents can be established, and the payment standards of various places can be unified, so as to avoid the impact on farmers due to regional differences, and it is also more conducive to the fairness and transparency of the system.
3. Encourage participation in higher levels of pension insurance
In addition, farmers can also be encouraged to participate in higher levels of old-age insurance, such as employee pension insurance, which can not only improve the pension treatment of farmers, but also get more funeral expenses and pensions after their death, which will help solve the current problem.
Epilogue:
At present, the issue of rural pension has become a part of the social development of the mainland that cannot be ignored, and how to better protect the rights and interests of farmers for the elderly also needs the common attention and participation of all sectors of society. In the process of promoting the reform of the old-age insurance system, the relevant departments should give full consideration to the actual situation of farmers, and provide farmers with more comprehensive and high-quality old-age insurance services through continuous improvement and improvement, so that farmers can have support and rely on the old.