What is social insurance in small towns?

Small town insurance is a comprehensive social insurance system. It is a basic social insurance system that combines social pooling with individual accounts in Shanghai's social security system, including basic social insurance and supplementary social insurance for pension, medical care, unemployment, maternity and work injury. Its basic feature is "five insurances in one", the basic insurance and supplementary insurance of urban insurance are a whole, and 25%+X constitutes the basic element of urban insurance.

There is a difference between the treatment of "city insurance" and "town insurance"

Because of the different payment amount, there will inevitably be differences in enjoying relevant treatment. This can take medical insurance and old-age care, which have the closest relationship with employees, as an example.

The difference of medical insurance

Those who pay social insurance for urban workers can enjoy all outpatient, emergency and hospitalization medical insurance, and those who participate in social insurance for small towns can only enjoy medical insurance for hospitalization (including emergency observation room observation and hospitalization) and serious outpatient illness (i.e. outpatient dialysis for severe uremia, outpatient chemotherapy for malignant tumors, radiotherapy and psychiatric treatment). Don't underestimate the common problems in emergency and outpatient services, which are related to ordinary people. These diseases can not enjoy medical insurance, in fact, they do not enjoy complete medical insurance.

Differences in pensions

The pension of social insurance for urban workers is calculated according to the average wage of workers in the city in the previous year, social life index, payment period, total payment and other factors, so it is generally higher. The social insurance pension in small towns is calculated according to the following methods: the monthly pension is determined according to the payment period of employees. If the payment period is over 15 years, the pension will be paid at 20% of the average monthly salary of employees in the whole city in the previous year when going through the formalities. For each increase in the payment period 1 year, the pension will be increased by 0.5% of the average monthly salary of employees in the city in the previous year, but the maximum is not more than 30% of the average monthly salary of employees in the city in the previous year. Therefore, the pension that can be received is far lower than that of urban workers.

For example, this year is also a 50-year-old retired female worker with 30 years of continuous service. The pension of social insurance for urban workers is generally around 12000 yuan, but what about social insurance for small towns? Its basic pension is 370 yuan, plus 7.5% 129 yuan, which is only 429 yuan. Even if the length of service is longer and the payment period is longer, the maximum pension for social insurance in small towns this year is only 555 yuan. In September this year, the labor and social security departments stipulated that those who were dissatisfied with 750 yuan's pension for urban workers would be increased to 750 yuan. The minimum pension line for urban workers is higher than that for small towns in 200 yuan.

At present, these two kinds of social security cannot be merged. Wait until you reach the legal retirement age, and then calculate it uniformly. The payment period of urban insurance is converted into one year of urban insurance.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.