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Can rural insurance and social security be paid together?
The difference between agricultural insurance and social security
1, different insured objects
The insured objects of agricultural insurance are mainly rural residents aged 16 who have not participated in employee pension insurance. In contrast, the objects of social security are mainly employees of enterprises and institutions and individual industrial and commercial households without employees.
2, the payment ratio is different.
The individual payment standard of basic endowment insurance for agricultural insurance is 1.200 yuan/year, and the insurance subsidy is 240 yuan/year. The contribution rate in social security is relatively high, with the average work unit paying 19%, individuals paying 8% and flexible employees paying 20% of the local average wage.
3. Different collection periods
The minimum payment period of agricultural insurance is 15 years, and the minimum age for enjoying retirement pension is 60 years for men and 50 years for women. The age of receiving social security for men is 60 and that for women is 55.
4. The calculation method of pension is different.
The old-age insurance for urban workers is calculated according to the payment period, payment base, personal account and social average wage, and the calculation method is complicated. The endowment insurance for urban and rural residents is calculated according to the total payment plus government subsidies and basic pensions.
5. The nature of payment is different.
Endowment insurance for urban workers is compulsory, and endowment insurance for urban and rural residents is voluntary.
6. Different types of insurance
Social security mainly includes medical insurance, endowment insurance, unemployment insurance, industrial injury insurance and maternity insurance, while rural insurance only includes rural medical insurance and rural endowment insurance.
7. The difference of receiving endowment insurance.
Rural insurance and social security receive different pensions in the later period. Rural insurance receives rural pensions and social security receives employee pensions. General social security pension will be slightly higher than rural insurance.
As can be seen from the above, agricultural insurance and social security cannot be paid at the same time. Even if they are paid at the same time, they cannot enjoy the relevant treatment of agricultural insurance and social security at the same time. It is meaningless except to make the insured spend more money.
Legal basis:
People's Republic of China (PRC) social insurance law
second
The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to receive material assistance from the state and society in accordance with the law when they are old, sick, injured, unemployed and have children. Article 10
Employees shall participate in the basic old-age insurance, and the employer and employees shall jointly 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.
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