Can I transfer to rural insurance if I can't afford social security?

Social security can be transferred to rural insurance. If the payment period of employee pension insurance is less than fifteen years, you can apply for transferring from employee pension insurance to new rural insurance. When the conditions for receiving the new agricultural insurance are met, it will be paid to you according to the new agricultural insurance method. However, when transferring insurance, only the individual contribution part of endowment insurance can be transferred, and the overall part cannot be transferred. Individuals who participate in the basic old-age insurance and pay less than fifteen years when they reach the statutory retirement age can pay for fifteen years and receive the basic pension on a monthly basis; Can be transferred to the new rural social endowment insurance or urban residents' social endowment insurance, enjoy the corresponding pension insurance benefits in accordance with the provisions of the State Council.

Social insurance refers to a social and economic system that provides income or compensation for people who lose their ability to work, are temporarily unemployed or suffer losses due to health reasons. The main items of social insurance include endowment insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance.

The social insurance plan is organized by the government, forcing a certain group to use part of its income as social insurance tax (fee) to form a social insurance fund. Under certain conditions, the insured can get fixed income or loss compensation from the fund. It is a redistribution system, and its goal is to ensure the reproduction of material and labor and social stability.

In China, social insurance is an important part of the social security system, occupying a core position in the whole social security system. In addition, social insurance is a contributory social security. The funds are mainly paid by employers and workers themselves, and the government finances give subsidies and bear the ultimate responsibility. However, workers can only enjoy the corresponding social insurance benefits if they fulfill their statutory payment obligations and meet the statutory conditions.

Agricultural insurance refers to the rural social security system in which the administrative department is responsible for organization and management, rural economic organizations, collective institutions and workers from all walks of life share the obligation to pay old-age insurance premiums, and workers enjoy basic old-age insurance benefits according to the payment status of old-age insurance premiums when they are old.

The current rural social endowment insurance is mainly based on individual contributions, supplemented by collective subsidies, and the policy is appropriately inclined. There are many problems in actual operation, which have been criticized. In this context, the new rural old-age insurance pilot is an inevitable requirement for the development of rural old-age insurance system under the new situation. Its security characteristics not only help to solve the problem of rural residents' old-age care, but also narrow the national treatment between urban and rural residents and alleviate social contradictions.

Legal basis:

Article 9 of the Interim Measures for the Transfer and Continuation of the Basic Old-age Insurance for Urban Enterprise Employees

If migrant workers interrupt their employment or return home and fail to continue to pay fees, the social security agency of the original insured place shall keep their basic old-age insurance relationship, keep all their insurance payment records and personal accounts, and the amount stored in personal accounts shall continue to bear interest according to regulations. Migrant workers who return to urban employment and continue to pay insurance premiums, whether they return to the original insured place for employment or go to other cities and towns for employment, should calculate their payment period according to the above provisions and calculate the amount of their personal accounts together. Those who meet the conditions for receiving benefits shall enjoy the same basic old-age insurance benefits as urban workers; If migrant workers no longer return to urban employment, their insurance payment records and personal accounts in cities and towns are all valid, and they can enjoy the basic old-age insurance benefits for urban workers according to the actual situation of migrant workers, or they can be transferred to the new rural social old-age insurance when they meet the prescribed conditions.

The convergence policy of migrant workers' participation in the basic old-age insurance for urban enterprise employees and the new rural social old-age insurance in rural areas will be studied and formulated separately.