Which has advantages, social security or rural insurance?

The main differences between social security and agricultural insurance are as follows:

First, there are differences between insurance and agricultural insurance.

We go out to work outside, and after entering the unit, the unit establishes labor relations with employees. According to the Social Insurance Law, employees must participate in social insurance within 30 days in accordance with relevant regulations, which means that employees can participate in employee social security.

Of course, if there is no employer, the unemployed or unemployed, or individual industrial and commercial households without employees, all participate in employee social security as flexible employees. As long as you are over 16 years old and have not reached the statutory retirement age, you can participate in employee social security.

The new rural insurance is our farmers, the new rural insurance is our farmers' endowment insurance, and the new rural cooperative medical insurance is our farmers' medical insurance. If our farmer friends work in other places, the employer has paid five insurances and one gold. In this case, there is no need to pay the new rural cooperative medical system and the new rural insurance in the rural hometown. Be careful not to pay more!

Second, there are differences between social security and new rural insurance payment standards.

Professional employees participate in social security, and employees pay 8% of endowment insurance, 2% of medical insurance and 0.5% of unemployment insurance.

As a flexible employee to participate in social security, the pension insurance payment ratio is 1 1%, and the medical insurance is 10%.

The new rural insurance payment standard is generally divided into 12 payment grades, ranging from 200 yuan to 3,000 yuan per year. The same payment grade can enjoy different subsidies. The higher the payment level of endowment insurance, the more subsidies you can enjoy.

In 2020, Shandong social security payment standard is 3269 yuan, which is the lower limit standard of social security payment base in 20 19 years. Endowment insurance is 20%, medical insurance is 6%, industrial injury insurance is 0.45%, medical treatment for serious illness 150, and long-term care insurance is 0. 1%, so the social security fee for next year is 65438+. We farmers can choose the appropriate payment grade according to their own economic ability, for example, according to the standard of 3000 yuan a year. In addition, some people, such as low-income households, five-income households, marginal people with low income and poor households, can enjoy certain relief and subsidies. Before joining the new rural insurance, everyone must ask about the payment standard.

Third, social security and agricultural insurance enjoy different protection benefits.

Social security includes five insurances. After participating in endowment insurance and reaching the statutory retirement age, you can receive a monthly pension to participate in medical insurance. You can see a doctor and enjoy medical insurance benefits when you are on the job. Even after retirement, the medical insurance payment period expires, and you don't have to pay medical insurance, you can also enjoy medical insurance benefits. Another advantage of participating in social security is that when you are unemployed, you can get unemployment benefits if you meet the relevant conditions. If an employee has an accident at work, medical expenses can also be paid by industrial injury insurance, and the injured person can also enjoy medical subsidies and assistance. Maternity insurance for young workers can enjoy paid annual leave, receive maternity allowance and so on.

There is another difference between social security and rural insurance here, that is, the retirement age is different. Social security for employees, the legal retirement age for men is 60 years old, for female cadres, 55 years old, and for female employees, 50 years old.

Only when we farmers participate in the new rural old-age insurance can we enjoy the old-age treatment. When they reach the age of 60, regardless of gender, they can go through the relevant procedures and receive a monthly pension after the accumulated contribution of the old-age insurance reaches 15.