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智力残疾人一旦失去家庭呵护,他们的生活和养老问题怎么办?这是每个智残人家庭的问题,也是严重的社会问题。针对这一问题,北京市残联、北京市高级法院和中国太平洋保险公司北京分公司联手推出“无忧工程”——特约智残人增额还本养老保险。该保险条款规定,凡35岁以下,经北京市高级人民法院法医技术室确认的智力残疾人,均可作为该项保险的被保险人。该保险条款有以下特点:1,投保人从0岁即可投保,缴费期仅10年。2,投保的智残人生存到35周岁起,即可领取养老金,直至身故,养老金领取始期比健康人平均提前17年半。3,50周岁返还所交保费,比健康人早返保费20年。4,被保险人在缴费期内每5年享有生日祝贺金。5,父母任何一方去世,保险公司支付特别安抚费。6,被保险人必须是智残人本人,并由高级人民法院法医技术鉴定室用最先进的方法取证,留存指纹备案,以保证其利益万无一失。
What should I do with their living and old-age problems once they have lost their family’s care? This is a problem for every mentally handicapped family as well as a serious social problem. In response to this issue, Beijing Disabled Persons Federation, Beijing High Court and China Pacific Insurance Company Beijing Branch jointly launched the “worry-free project” - a special mentally retarded increase the repayment of old-age insurance. The provisions of the insurance, where under the age of 35, the Beijing High People’s Court forensic room identified as mentally handicapped, can be used as the insured person. The insurance terms have the following characteristics: 1, the insured person can be insured from the age of 0, payment period of only 10 years. 2, insured mentally handicapped survival to the age of 35, you can receive pensions, until death, pensioners receive an average of 17 years earlier than the average health of people. 3,50 years old to pay back the premiums, health insurance premiums 20 years earlier. 4, The insured person shall enjoy the birthday congratulation gold every 5 years during the payment period. 5, any one of their parents died, the insurance company to pay special appease costs. 6, the insured person must be mentally handicapped people, and by the Higher People’s Court Forensic Laboratory accreditation forefront, forensic fingerprinting, in order to ensure its interests foolproof.