The difference between social security for urban workers and social security for urban and rural residents

Social security for urban workers and social security for urban and rural residents are two important components of China's social security system, and there are certain differences in coverage, payment standards and treatment enjoyment.

I. Coverage

Social security for urban employees mainly covers employees of urban enterprises, institutions, individual industrial and commercial households and other units, as well as flexible employees. Social security for urban and rural residents mainly covers rural residents and urban residents who have not participated in social security for urban workers, including students, children, the elderly and the disabled.

Second, the payment standard

The payment standard of social security for urban employees is determined according to the wage level of employees, payment period and other factors, which is generally high. The payment standard of social security for urban and rural residents is determined according to the living standards and policies of different regions, which is generally low.

Third, enjoy the treatment.

Urban workers enjoy relatively high social security benefits, including old-age insurance, medical insurance, unemployment insurance, industrial injury insurance, maternity insurance and so on. The social security benefits of urban and rural residents are relatively low, mainly endowment insurance and medical insurance.

Specifically, the enjoyment of social security and old-age insurance benefits for urban employees is based on factors such as the payment period, payment salary and personal account balance of employees, which is generally high. However, the pension benefits of urban and rural residents' social security are mainly calculated according to individual contributions, which are generally low. In addition, the medical insurance benefits of urban workers' social security are better than those of urban and rural residents' social security, and the proportion and scope of reimbursement are larger.

Fourth, the development prospects

With the continuous improvement of China's social security system, the development prospects of urban workers' social security and urban and rural residents' social security are getting broader and broader. In the future, with the influence of population aging and urbanization, the social security coverage and treatment level of urban and rural residents are expected to be further improved. At the same time, the government will continue to increase investment and reform in the social security system to meet the needs of economic and social development.

To sum up, there are some differences between urban workers' social security and urban and rural residents' social security in coverage, payment standards and treatment enjoyment. The social security benefits of urban workers are relatively high, but the payment standard is also high; The social security payment standard of urban and rural residents is relatively low, but the enjoyment of treatment is also low. With the continuous improvement and development of the social security system in the future, both of them are expected to get better protection and development opportunities. For individuals, according to their own economic conditions and professional conditions, we should choose the social security model that suits them to ensure their future life and pension needs.

Legal basis:

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

Article 58

The employing unit shall, within 30 days from the date of employment, apply to the social insurance agency for social insurance registration for its employees. If the social insurance has not been registered, the social insurance agency shall verify the social insurance premium it should pay.

Employees-free individual industrial and commercial households who voluntarily participate in social insurance, part-time employees who do not participate in social insurance in the employing unit and other flexible employees shall apply to the social insurance agency for social insurance registration.

The state establishes a national unified personal social security number. Personal social security number is a citizen's identity number.