Can small town insurance in Shanghai be converted into social security?

Small town insurance, such as endowment insurance, does not require individual contributions, but only unit contributions. For individuals, it only records the payment time. After the transfer to urban insurance, the old-age payment time of the original small-town insurance is included in the old-age insurance payment time, and there is a personal pension savings account. At this time, there will be a personal contribution part, which will enter the personal pension savings account.

Generally speaking, it can be transferred, which has no effect on you. City insurance is actually better.

The social insurance of small towns, referred to as "town insurance", is a basic social insurance system established by the government. It has not only the basic insurance part, but also the supplementary insurance part. It is a comprehensive social insurance system that combines basic insurance social pooling with supplementary insurance personal accounts.

The basic insurance part of "urban insurance" currently includes pension, medical care, unemployment, maternity and work injury insurance. The supplementary insurance part of "urban insurance", including supplementary pension, supplementary medical care and living allowance for land-expropriated personnel, can play a positive role in improving life. The basic insurance premium of "urban insurance" is collected by the government and paid by the employer, and the employees of the employer do not have to pay it. Employers and individuals who have participated in "urban insurance" may pay supplementary insurance premiums for "urban insurance". The government encourages employers and individuals to actively participate when their financial capacity permits. The money paid by a unit or individual may be charged before tax within the prescribed proportion, or it may not be included in the tax base of individual income tax. The advantage of "Treasure" is "low platform, flexibility and wide coverage", which is very inclusive. It can not only allow people with lower income levels to participate, but also provide flexible space for people with higher income levels to pay more. Among them, the "low platform" is reflected in the overall planning of basic insurance for town insurance. First, the payment base is 60% of the average monthly salary of employees in the city last year; Second, the payment ratio is 25%. The personal account part of supplementary insurance for urban insurance fully embodies "flexibility", which is characterized by "standardization, individual ownership and multi-purpose". Units and individuals shall pay in accordance with the relevant provisions of the Interim Measures for Urban Insurance and establish individual accounts. The principal and interest in the personal account are owned by the individual, and there is no need to plan as a whole. It has many purposes such as supplementary old-age insurance, supplementary medical insurance and living allowance for land-expropriated personnel. Its purpose is to further improve the living standards of the insured on the basis of basic insurance benefits. City insurance and town insurance are different social security.

At present, there are four kinds of social insurance in Shanghai: urban workers' social insurance, small town social insurance, rural social insurance and comprehensive social insurance for migrant workers. The latter two have little to do with people with urban hukou in this city; The first two are related.

Compared with the social insurance for urban workers in Shanghai, the social insurance payment in small towns is much lower. The former is 36.5% of the payment base of all employees of the employer (pension, medical care, unemployment, maternity and work-related injuries are paid together). At present, Shanghai stipulates that the minimum payment base for each employee is 60% of the average monthly salary of employees in 2003 (1847 yuan), that is, 1082 yuan. In other words, the enterprise should at least pay for each employee near 400 yuan. If your actual income exceeds 65,438+0,082 yuan, the company must pay 36.5% of your actual income. For example, if your income is 4,000 yuan, you have to pay the social insurance premium of nearly 1.500 yuan. If you add 16% paid by individuals, the monthly amount is very large.

The amount of insurance payment in small towns has nothing to do with employees' personal wages. Pay 24%( 1082 yuan) of the average monthly salary of employees in the city last year, that is, 259 yuan. At the same time, individuals in small towns do not pay social insurance. Therefore, there is a big difference in payment between the two.

It is necessary to find out what insurance the company has taken.

After understanding the huge difference between the two, someone will definitely ask: we are all registered in Shanghai and both work in the urban area. Does social insurance in small towns have anything to do with us?

Let's take a look at the provisions of the scope of application of social insurance in small towns-"This method applies to employers in the suburbs of this city and their employees with household registration in this city, as well as other personnel approved by the municipal government."

This provision is very principled, especially the vague expression of "other personnel approved by the municipal government" (for example, Pudong is within this scope). This is entirely possible, and it has already happened: both companies operating in urban areas and those operating in urban areas are registered in suburban economic cities or development zones, so obviously urban companies become suburban employers, and they can pay social insurance for employees in small towns. Even more surprising, the author found that some companies registered in urban areas transferred most of their employees to labor service companies registered in the suburbs, and then sent these employees to their original companies in the name of labor export. Because these employees have established labor relations with labor service companies registered in the suburbs, the actual employers only need to pay the company according to the cost standard of small town insurance. These workers, who should fully enjoy the social insurance for urban workers, can only enjoy the social insurance for small towns.

Maybe someone will say: I have been participating in urban social insurance, and the unit can't let me transfer to small town social insurance, can it?

This statement is also inaccurate. Because the provisions of social insurance in small towns are determined by exclusive method-"employees who have established labor relations with employers who have participated in urban social insurance in this city (hereinafter referred to as" urban insurance "); These Measures shall not apply to employers who recruit employees who have participated in urban insurance and continue to participate in urban insurance through consultation. " There are only two types of employees who must apply for social insurance for urban employees: "old employees" who have already worked in the unit (of course, establishing labor relations) and participated in urban insurance, or those who are recruiting new employees and participating in urban insurance according to the provisions of the labor contract. Other personnel, if there is no special agreement, what social insurance to pay you is decided by the employer.

Social insurance in small towns is also social insurance, and its payment period is also the payment period of social insurance. If a person pays both urban insurance and town insurance, what pension will he get after retirement? Can Zhenbao be turned into treasure?

If a person has paid both city insurance and town insurance (at the legal retirement age, the payment period reaches 15, and the actual payment period exceeds 5 years) and is willing to receive a pension according to town insurance after retirement, it is certainly possible. If you want to receive a pension according to the city insurance, there is a calculation standard for the payment period of converting the town insurance into the city insurance, because after paying the town insurance for one year, the conversion to the city insurance will be greatly reduced. According to the current regulations-"When employees change from urban insurance to urban insurance, the total unit payment of urban insurance in each payment year is converted according to the payment standard of urban insurance in that year, and the payment period of urban insurance is calculated." What does this mean? For example, the insurance in the town only pays 2800 a year, while the insurance in the city is 4800. If converted according to the above method, then paying urban insurance for one year can only be considered as paying urban insurance for about 8 months. The payment period is related to the amount of pension you receive in the future, so even if you can receive a pension according to the city insurance in the future, the amount of pension you receive will be greatly lost.

There is a difference between the treatment of "city insurance" and "town insurance"

Because of the different payment amount, there will inevitably be differences in enjoying relevant treatment. This can take medical insurance and old-age care, which have the closest relationship with employees, as an example.

The difference of medical insurance

Those who pay social insurance for urban workers can enjoy all outpatient, emergency and hospitalization medical insurance, and those who participate in social insurance for small towns can only enjoy medical insurance for hospitalization (including emergency observation room observation and hospitalization) and serious outpatient illness (i.e. outpatient dialysis for severe uremia, outpatient chemotherapy for malignant tumors, radiotherapy and psychiatric treatment). Don't underestimate the common problems in emergency and outpatient services, which are related to ordinary people. These diseases can not enjoy medical insurance, in fact, they do not enjoy complete medical insurance.

Differences in pensions

The pension of social insurance for urban workers is calculated according to the average wage of workers in the city in the previous year, social life index, payment period, total payment and other factors, so it is generally higher. The social insurance pension in small towns is calculated according to the following methods: the monthly pension is determined according to the payment period of employees. If the payment period is over 15 years, the pension will be paid at 20% of the average monthly salary of employees in the whole city in the previous year when going through the formalities. For each increase in the payment period 1 year, the pension will be increased by 0.5% of the average monthly salary of employees in the city in the previous year, but the maximum is not more than 30% of the average monthly salary of employees in the city in the previous year. Therefore, the pension that can be received is far lower than that of urban workers.

For example, this year is also a 50-year-old retired female worker with 30 years of continuous service. The pension of social insurance for urban workers is generally around 12000 yuan, but what about social insurance for small towns? Its basic pension is 370 yuan, plus 7.5% 129 yuan, which is only 429 yuan. Even if the length of service is longer and the payment period is longer, the maximum pension for social insurance in small towns this year is only 555 yuan. In September this year, the labor and social security departments stipulated that those who were dissatisfied with 750 yuan's pension for urban workers would be increased to 750 yuan. The minimum pension line for urban workers is higher than that for small towns in 200 yuan.

Be careful not to fall into the trap.

Since the treatment of urban workers' social insurance is different from that of small towns, the application method of small towns' social insurance is also special. How can we prevent from falling into the trap?

I. Employees who have established labor relations with the employing unit.

In particular, it is necessary to prevent units from proposing tricks to transfer labor relations to labor service companies. Because this "turn" also means the transfer of labor relations, that is, you have established a labor relationship with the labor service company, and actually using your employer has become a labor relationship. Social insurance goes with labor relations, and your social insurance is also paid by the labor service company. On the surface, your work, salary and other benefits in the company have not changed, but if this labor service company is in the suburbs or registered in the suburbs, you can pay social insurance for small towns. Therefore, when the company requests the transfer of labor relations (perhaps not only to the labor service company, but also to the company newly established by the boss), you must make it clear that social insurance enjoys municipal insurance, otherwise you will not agree to the transfer. Changes in labor relations must be agreed by both parties through consultation. If you don't agree to transfer labor relations, the unit can't help you.

Second, the new recruits

First of all, we should care about the registered place and business place of the employer. Because of the current regulations, the employer unilaterally decides what social insurance to pay for the newly hired employees of the units registered or operated in the suburbs, regardless of whether you have participated in urban insurance or not. If there is no special agreement in the labor contract, the employer can legally pay the urban insurance for you. You can't change it then, and there is nowhere to complain. In order to prevent this from happening, you should ask the employer to show your business license, which has the registered place and business premises. If you are not sure about a place name, you can ask its exact geographical location. In order to save trouble in the future, you can also require that the business and registered place of the company be stated in the labor contract, with special reference to non-suburbs.

Secondly, if the employer asks to hire you through the labor service company, and you agree, you must also verify the registered place and business place of the labor service company according to the above method.

Three, into the registered place or place of business in the suburbs of the workers.

Such employees can ask you to enjoy city insurance in the labor contract. If the labor contract stipulates your social insurance, you must pay the city insurance for you according to the labor contract.

In particular, we should remind readers that in labor relations, as long as it does not violate existing laws, regulations and policies, the effectiveness of labor contracts is the highest. Even if the labor contract is inconsistent with the company's rules and regulations (for example, the labor contract stipulates that you enjoy city insurance, while the company's rules and regulations stipulate that employees only enjoy town insurance), the company must fulfill the rights and obligations of both parties in accordance with the labor contract. Therefore, the reporter suggested that no matter what kind of company you are employed by, no matter where the company is registered and operated (you can't leave the administrative area of Shanghai), you can ask for what kind of social insurance items you enjoy in the labor contract. If there is an agreement in the labor contract, you can enjoy the rights according to the labor contract.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.