What is the difference between rural social security and employee social security? Which is better?

Both types of insurance have their own advantages. Employee social security needs to make up a lot of money at one time, as well as a lot of medical reimbursement and pension payment. Generally speaking, medical reimbursement is 70% before the age of 70 and 80% after the age of 70, and the pension is also increasing, and it is the local average monthly salary * coefficient (60%-300%)+ the total number of personal accounts |179; This is a monthly pension. Rural social security doesn't need so much money for sexual intercourse at one time, but the reimbursement ratio can only enjoy 70% in township hospitals. If there are only 45% hospitals above the county level, the pension is far lower than social security.

Rural social security and workers' social security have different objects and different nature of payment, so they cannot enjoy treatment at the same time. Rural social security and employee social security have their own advantages and disadvantages, and there is nothing absolutely better.

Social security can be roughly divided into three categories: employees with stable units pay social security for employees, flexible employees can also choose flexible employment social security independently, and urban and rural residents without stable units choose to pay endowment insurance for urban and rural residents. Rural social security is a kind of endowment insurance for urban and rural residents.

The difference between rural social security and workers' social security is mainly reflected in:

1, the objects of protection are different: First, the social security of employees guarantees urban employment groups with stable jobs; Rural insurance refers to a new type of rural social endowment insurance for rural residents who have no stable jobs.

Secondly, employees' social security is mandatory. During their employment, companies and individuals must pay fees in accordance with state regulations. Companies and individuals pay part of the premium according to a certain proportion. Agricultural insurance emphasizes the principle of voluntariness, and farmers participate voluntarily. Only people with local rural hukou can choose agricultural insurance. There is no household registration requirement for employee social security, and social security is paid in the place where you work.

2. The nature of payment is different: employee social security is paid on a monthly basis, and the proportion that individuals generally pay is 8% of the average salary of last month, while the part paid by companies is generally around 20% due to different local policies. The higher the average salary last month, the more social security you paid.

Agricultural insurance is paid annually, calculated according to the total payment+government subsidy+basic pension. The state has a certain subsidy every year, that is, the combination of state subsidies and self-financing. In line with the principle of paying more and getting more, you can choose according to your own economic ability. People with high income can choose a higher premium grade, and people with low income can consider choosing a lower premium grade. You can get a pension after paying enough 15 years.

How much can rural endowment insurance receive every month?

If a villager pays 300 yuan every year, the village collectively subsidizes 20 yuan. The local basic pension standard is 100 yuan per person per month, and the one-year deposit interest rate of the People's Bank of China is 4%. If these conditions remain unchanged, he will continue to pay for 20 years, so he can receive 2055.60 yuan every year when he is old; If he pays 400 yuan every year, other things being equal, he can get 2322.96 yuan every year when he is old, which means that if he pays 100 yuan every year, he can get 267.36 yuan every year when he is old.

1, employees pay endowment insurance according to relevant regulations;

2. Reach the statutory retirement age stipulated by the state (normal retirement age: 60 years for men (cadres and workers, the same below), 55 years for women cadres and 50 years for women workers);

3. The accumulated payment of endowment insurance has reached 15 years.

How much is the social security pension?

Pension = basic pension+personal account pension

Basic pension = the average monthly salary of employees in the whole province in the previous year (1+ my average payment index) ÷2× payment period × 1%.

Personal account pension = personal account storage amount ÷ personal account pension calculation and issuance months

How many years does rural endowment insurance pay?

Has reached the age of 60, did not enjoy the basic old-age insurance benefits for urban workers, do not have to pay, you can receive a monthly basic pension 55 yuan. Under the age of 60, from the age of 60 according to the time calculation. If you are under 15 years old, you can get it at 60 years old (you can return it to 15 years old). Over 65,438+05 years old, you can get it at the age of 60.

Who can apply for rural endowment insurance?

Rural residents who have reached the age of 16 (excluding students at school) and have not participated in the basic old-age insurance for urban workers may voluntarily participate in the new rural insurance at their domicile.

Rural endowment insurance is divided into three payment forms.

1, one-time payment, mostly older farmers, will pay the premium in one lump sum according to their own old-age security level until they are 60 years old, and receive the pension according to the regulations.

2 regular payment, adopted in areas and people with relatively stable or rich income. For example, township enterprises can pay premiums on a monthly and quarterly basis, and farmers in rich areas can pay premiums on a half-year or a year basis, and the amount of contributions can be paid according to the proportion of income or a certain amount.

3. Irregular payment is adopted in most areas due to unstable income. Pay more in good years, pay less in young years and pay less in bad years. Pay when the family income is good, and don't pay when it is bad.

legal ground

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

Tenth employees should participate in the basic old-age insurance, and employers and employees should pay the basic old-age insurance premium. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employer and other flexible employees can participate in the basic old-age insurance, and individuals pay the basic old-age insurance premium. The measures for the endowment insurance of civil servants and staff managed by reference to the Civil Service Law shall be formulated by the State Council.

Eleventh basic old-age insurance to implement the combination of social pooling and individual accounts. The basic old-age insurance fund consists of employers, individual contributions and government subsidies.

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.