Social security differences between urban and rural residents and urban workers

Legal analysis: 1, the insured objects are different. Employee social security: the insured object is the employees who are employed by the unit within the working age, and the unit is obliged to pay insurance for them according to law; Social security for residents: the insured persons are generally unemployed and can participate in the insurance voluntarily.

2. The insurance coverage is different. Employee social security: the company pays insurance, including five insurances, medical care, pension, work injury, unemployment and maternity insurance; Social security for residents: individuals pay two insurances, medical insurance and endowment insurance.

3. Different payment methods. Employee social security: paid monthly; Social security for residents: paid annually.

4. The payment standard is different: employee social security: the payment standard is high. The social security contributions of employees = the average monthly salary of employees in the previous year (not lower than the local minimum base limit and not higher than the local maximum base limit) is the sum of all kinds of insurance contributions. Take Fuzhou as an example. At present, the minimum monthly payment is 989.5 yuan/month and the annual payment is 1 1874 yuan.

Legal basis: the State Council's decision on establishing the basic medical insurance system for urban workers. Coverage and payment method.

All employers in cities and towns, including enterprises (state-owned enterprises, collective enterprises, foreign-invested enterprises and private enterprises, etc.). ), organs, institutions, social organizations, private non-enterprise units and their employees should participate in the basic medical insurance. Whether township enterprises and their employees, owners of urban individual economic organizations and their employees participate in basic medical insurance shall be decided by the people's governments of all provinces, autonomous regions and municipalities directly under the Central Government. In principle, the basic medical insurance shall be based on the administrative regions (including prefectures, cities and leagues) or counties (cities) above the prefecture level. In principle, the three municipalities directly under the Central Government, namely Beijing, Tianjin and Shanghai, shall implement overall planning within the city (hereinafter referred to as the overall planning area). All employers and their employees shall participate in the basic medical insurance in the overall planning area in accordance with the principle of territorial management, implement unified policies, and implement unified collection, use and management of basic medical insurance funds. Railway, electric power, ocean transportation and other enterprises. Production mobility is large and its employees can participate in basic medical insurance in different places in a relatively centralized way.

The basic medical insurance premium is paid by both the employer and the employee. The employer's contribution rate should be controlled at about 6% of the total wages of employees, and the employee's contribution rate is generally 2% of his salary income. With the development of economy, the contribution rates of employers and employees can be adjusted accordingly.