Why is the agricultural insurance automatically refunded?

There is a conflict between the new rural endowment insurance and social security. New farmers are an important part of social endowment insurance, and they are mutually exclusive. Those who participate in the new rural endowment insurance cannot participate in the old-age insurance for urban workers or the urban housing insurance. But they can be transferred to each other, that is to say, they can't participate at the same time, but they can be transferred from the old-age insurance for urban workers to the new rural insurance, and the payment period is calculated together. You can only enjoy it once after retirement. Take the last participant as the collection standard. In fact, the state establishes a personal account for old-age insurance for each new rural insurance participant, which is recorded for life. Individual contributions, collective subsidies, subsidies to the insured by other economic organizations, social welfare organizations and individuals, and subsidies to the insured by local governments are all credited to personal accounts. The amount stored in individual accounts shall bear interest every year with reference to the one-year RMB deposit rate of financial institutions published by the People's Bank of China. If the insured person of the new rural insurance participates in the social security for urban workers, the personal account funds of the new rural insurance will be temporarily sealed until he returns to the countryside to continue to participate in the new rural insurance, and the personal account funds will be automatically unsealed.

If the insured of the new rural insurance participates in the basic old-age insurance for urban workers in the enterprise and enjoys the urban social security benefits, then there is no need to participate in the "new rural insurance";

If you fail to meet the requirements of enjoying urban social security benefits when you reach the age of surrender, if the accumulated payment is less than 15 years, you can transfer the accumulated payment of urban insurance to the "new rural insurance" personal account according to the relevant regulations and receive the pension according to the provisions of the "new rural insurance".

What should I do if I pay both rural insurance and social security?

Repeated participants can choose one according to the actual situation and withdraw from another insurance. According to China's Social Insurance Law, when the insured reaches the retirement conditions, he can only apply for and enjoy one type of endowment insurance for the insured.

(1) Conditions for suspending agricultural insurance:

1, social insurance relationship transferred from rural insurance: employees in this city participate in urban insurance and urban insurance.

2. Transfer of social insurance relationship to agricultural insurance: Persons with "agricultural household registration" who meet the conditions for receiving agricultural insurance pension may apply for transfer of social insurance relationship to agricultural insurance.

(2) Conditions for stopping social security:

1, died on the job;

2. Insured persons living in rural areas;

3. Failing to receive the personal account pension of the deceased after retirement;

4. Repeat the insured.

The difference between agricultural insurance and social security

1, payment standard difference

(1) agricultural insurance payment standard

At present, the new payment standard of rural endowment insurance is divided into 12 levels, which are 100, 200, 300, 400, 500, 600, 700, 800, 900, 1000, 1500 and 200 respectively. The new rural cooperative medical system and urban residents' medical insurance are merged into urban and rural residents' medical insurance. 20 19 The latest individual payment standard is 220 yuan per person per year.

(2) social security payment standard

Endowment insurance: the unit pays 20% and the individual pays 8%;

Medical insurance: the unit pays 9% and the individual pays 2%;

Unemployment insurance: the unit pays 1%, and the individual pays 0.2%;

Maternity insurance: the unit pays 0.8%, and the individual does not;

Work-related injury insurance: the unit pays 0.8%, and the individual does not.

2. The insured objects are different.

The object of agricultural insurance is residents with rural hukou.

Social security insured persons are employees of payment units, individual industrial and commercial households without employees and individual operators with household registration in their respective areas that have not reached retirement age.

20 19 rural insurance to social security policy

It is understood that rural insurance cannot be transferred to social security at present, but if social security is paid, rural insurance can be suspended at home. In the future, the country will travel according to the corresponding conversion policy, and the money from rural insurance will not be transferred into social security, and will be returned to you at the legal retirement age. In addition, rural endowment insurance is a new type of insurance in China, which is formulated by our government to protect the basic life of rural residents in their later years. Its new rural social endowment insurance benefits are composed of basic pension and personal account pension, which are paid for life. The calculation formula is monthly pension = basic pension+total personal account ÷ 139.

Basic pension = the standard is 55 yuan (later adjusted with national policies)+every additional 65,438 years after payment +0 yuan;

Total amount of individual account = individual payment+government subsidy+collective subsidy+social and individual subsidy+interest generated from the above amount.

For example, if you are 46 years old, you pay 1 0,000 once a year and 1 0,500 continuously. The standard of monthly pension at the age of 60 =[55 yuan +0 (basic pension will be increased after paying 15 years)]+[(1 00+30) ×15+0 (collective subsidy, social and personal assistance, etc.)].

relevant issues

First, how to transfer to rural insurance without paying social security in the future?

Answer: If the payment period of employee pension insurance is less than 15 years, you can apply for transferring from employee pension insurance to new rural insurance. In line with the conditions for receiving the new agricultural insurance, the corresponding treatment shall be paid according to the new agricultural insurance method.

However, we should know that when transferring insurance, only the individual contribution part of endowment insurance can be transferred, not the overall part. The Interim Measures for the Connection of Urban and Rural Endowment Insurance System stipulates that if the insured person transfers from occupational insurance to new rural insurance, the payment period of his participation in occupational insurance can be combined and calculated as the payment period of new rural insurance or urban residence insurance. If the insured person is transferred from the new rural insurance or urban residential insurance to the job insurance, the payment period for participating in the new rural insurance and urban residential insurance will not be converted into the payment period for the job insurance.

Once the social security is interrupted, it can only be re-paid, but the endowment insurance can be paid, as long as it is paid 15 years before retirement.

Second, does the new rural insurance conflict with social security? Can I buy it at the same time?

A: There is a certain conflict between the new rural cooperative medical system and social security, and China also stipulates that the insurance of the two cannot be repeated. This requires individuals to make their own judgments. If you choose to reimburse one of them, the remaining one will not be reimbursed. The new rural cooperative medical system and the social security society will choose the best and only choose one insured. The new rural cooperative medical system is relatively cheap, but the reimbursement fluctuates greatly, and the social security reimbursement system is relatively unified.

Three, pay the new rural insurance in rural areas, the unit can also pay social security?

A: In line with the principle of non-repetition, the unit has already paid the new rural insurance, and the unit may not pay the social insurance.

If the new rural insurance and social security are paid at the same time, the insured can only enjoy one kind of social endowment insurance after retirement, because a person cannot enjoy two kinds of pensions of national policy endowment insurance at the same time when he retires.

If the insured person has a basic old-age insurance relationship in two or more places at the same time, the social insurance agency will negotiate with me to determine to keep one of the basic old-age insurance relationships and personal accounts, and other relationships will be cleared at the same time, and the amount of personal account storage will be returned to me, and the corresponding individual payment period will not be counted again, and the basic pension already received will not be paid back.