Is there a conflict between urban and rural residents' endowment insurance and social security?

There are conflicts between urban and rural residents' endowment insurance and social security. Social endowment insurance consists of three parts: urban employee endowment insurance, urban employee endowment insurance and new rural insurance, among which urban employee endowment insurance, urban employee endowment insurance and new rural insurance can be connected with each other, but they are mutually exclusive.

In other words, after participating in the endowment insurance for urban workers, you can no longer participate in the new rural endowment insurance and urban residents' endowment insurance; Those who participate in the new rural endowment insurance can no longer participate in the endowment insurance for urban workers or urban residents. Even if you buy all three kinds of insurance, you can't get a pension until you reach retirement age and payment period, so it's useless to pay before, so you can choose to buy only one of them.

1. Can urban and rural residents' endowment insurance and social security be paid at the same time?

They can't get paid at the same time The insured person is transferred from urban and rural residents' endowment insurance to urban employees' endowment insurance, and the balance in the personal account of urban and rural residents' endowment insurance will be directly merged into the personal account of urban employees' endowment insurance. However, the payment periods of the two will not be merged. On the other hand, if the insured person transfers the endowment insurance for urban workers to the endowment insurance for urban and rural residents, the balance in the account can also be merged, and the payment period of the two can also be merged.

No matter which of these two insurances you buy, you can only get a pension in the end, so you can buy one according to your actual situation.

Second, what is the impact of breaking off social security for one month?

After the interruption of social security, if you still want to buy a car or house, you can only recalculate the fixed number of years and pay it for 5 years before you are eligible.

However, the social security payment period of endowment insurance and medical insurance can be accumulated. If it is interrupted, you can continue to pay if you have the ability. If you have not paid enough years at retirement age, you can choose to pay in one lump sum.

1, needless to say, people living in big cities know that, for example, Beijing, if you are a non-local hukou, you can only buy a car and a house if you have social security in Beijing for five consecutive years. Social security here refers to five insurances. As long as one day is interrupted, it will be recalculated for five years.

2. Endowment insurance in social security. According to the Interim Measures for the Management of Individual Accounts of Employees' Basic Endowment Insurance, you can enjoy life-long retirement after the pension insurance payment reaches 15 years. Generally this 15 year is calculated cumulatively. If it breaks in the middle, you can continue, but even if you continue, it will affect your retirement benefits in the future. If the old-age insurance is paid intermittently for several years, the proportion of basic old-age insurance will be less by a few percentage points.

3, medical insurance women have to pay enough for 20 years, men have to pay enough for 25 years, and they can enjoy life after retirement. Medical insurance has a buffer period of 3 months from the date of suspension of payment. Over this period, recalculate the continuous payment period. For the interruption of medical insurance, the most direct impact is that there is no medical reimbursement function, and the medical expenses incurred during the interruption period are not reimbursed, only the medical expenses incurred during the continuation period can be reimbursed.

4. Other insurances, such as unemployment insurance, maternity insurance, housing accumulation fund, etc., can only be used if the payment is over 1 year, and industrial injury insurance can also be used at any time.

legal ground

People's Republic of China (PRC) social insurance law

Article 20

The state establishes and improves the new rural social endowment insurance system.

The new rural social endowment insurance combines individual contributions, collective subsidies and government subsidies.

Article 22

The state establishes and improves the social endowment insurance system for urban residents.

The people's governments of provinces, autonomous regions and municipalities directly under the Central Government may, according to the actual situation, combine the social endowment insurance for urban residents with the new rural social endowment insurance.