How to transfer rural insurance to social security?

It's convenient to transfer. If you transfer after the local area, you only need to provide relevant social security materials to the rural social security bureau, such as medical insurance cards and endowment insurance manuals. When the insured leaves the place of employment, the social security agency shall issue a certificate of insurance payment. In the new place of employment, you only need to submit a written application for renewal of insurance, and the social security agencies in the transfer place and the transfer place will coordinate the examination, confirmation and cross-regional renewal procedures. All formalities will take 45 working days to complete.

How to enjoy social security benefits from agricultural insurance to social security?

1. If the payment period of employee pension insurance exceeds 15, you can go through the retirement formalities of employee pension insurance according to regulations. The payment of the new rural endowment insurance can be incorporated into the urban employee endowment insurance, and the payment time cannot be repeated, and the payment period cannot be agreed.

2. In fact, the transition from rural insurance to social security only transfers the balance of personal account of rural insurance to personal account of social security. Moreover, part of the government subsidies and the corresponding interest generated should remain in the endowment insurance fund for urban and rural residents.

The calculation method of personal account is the same whether it is a rural insurance personal account or an employee pension insurance. Equal to the personal account balance at retirement divided by the number of months determined by retirement age. Because rural insurance retires at the age of 60, the total number of months is 139 months. If the employee pension insurance retires at the age of 60, the number of months of pension payment is also 139 months.

3. Although the appearance is the same, in fact, the calculation interest of personal account is different. The bookkeeping interest rate of employee pension insurance personal account has been announced by the state since 20 16. In 20 16 years, it was 8.3 1%, and in 20 17 years, it was 7. 12%, maintaining between 7% and 8%. For urban and rural residents' old-age insurance, individual accounts bear interest instead of bookkeeping, and the interest rate is announced by all localities. For example, according to the benchmark interest rate of bank one-year time deposit in Heilongjiang, it is only 1.5%, which is far lower than the employee pension insurance. The state is pushing the balance of urban and rural residents' pension insurance accounts to be entrusted to the central custody, and the rate of return on funds entrusted by the central custody is generally above 5%.

4. So, in any case, employees' pension insurance benefits are high. If conditions permit, it is suggested that employees' pension insurance must be paid for 15 years, and then whether to participate in urban and rural residents' pension insurance will be decided according to income. In this way, at least the pension insurance benefits of employees can be guaranteed in the future.

Legal basis:

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

Article 12 The employing unit shall pay the basic old-age insurance premium according to the proportion of the total wages of employees stipulated by the state and record it in the basic old-age insurance pooling fund. Employees shall pay the basic old-age insurance premium in accordance with the proportion of wages stipulated by the state and record it in their personal accounts. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employing unit and other flexible employees who have participated in the basic old-age insurance shall pay the basic old-age insurance premiums in accordance with state regulations and record them in the basic old-age insurance pooling fund and individual accounts respectively.

Article 60 The employing unit shall declare on its own and pay social insurance premiums in full and on time. Except for legal reasons such as force majeure, the payment shall not be postponed or reduced. The social insurance premiums that employees should pay shall be withheld and remitted by the employer, and the employer shall inform me of the details of paying social insurance premiums on a monthly basis. Individual industrial and commercial households without employees, part-time employees who have not participated in social insurance in the employing units and other flexible employees can pay social insurance premiums directly to the social insurance premium collection agencies.