What are the advantages and disadvantages of transferring social security back to rural insurance?

Legal analysis: it is not cost-effective to turn the treatment enjoyment into urban and rural residents.

0 1 There is a big gap between them in pension benefits.

Rural insurance is the new rural cooperative medical system, and urban residents' endowment insurance has been collectively called urban and rural residents' endowment insurance since the merger of 20 14. As for pensions for urban and rural residents? Tens of yuan a month, this year is expected to break through 100 yuan. In contrast, the average pension for urban workers is 3,000 yuan, many times higher than it.

Enjoy retirement benefits in different places

According to the "Notice of Ministry of Human Resources and Social Security on the Transfer and Continuation of the Basic Old-age Insurance for Employees in Urban Enterprises", it is clearly stated that the place where the insured person receives treatment shall be implemented in accordance with Articles 6 and 12 of the Interim Measures.

That is to say, the insured can enjoy the retirement treatment in different places if he is insured in a non-registered place and has paid in the same place for 10 years. If you have been insured in Beijing for 10 years, you can choose to retire in Beijing, and your pension is much higher than that in other regions.

If it is less than 10 years, I am sorry, so I have to go back to my household registration and go through retirement procedures.

02 different medical care

In fact, the social security for urban workers paid by the unit includes not only pension insurance, but also unemployment insurance, basic medical insurance, maternity insurance and industrial injury insurance. Among them, basic medical insurance can still enjoy medical retirement benefits as long as it meets the retirement conditions, and this treatment is not one-star or two-star compared with urban and rural residents' medical insurance.

Moreover, after retirement, you don't need to pay any medical insurance fees, and you can also enjoy lifelong medical treatment. From this point of view, farmers and city dwellers are quite good.

Continue to pay social security for urban workers, and the cost is relatively high.

As mentioned above, the social security of urban workers is much higher than that of urban and rural residents. Although the salary is high, there are also a lot of upfront investment, which requires certain economic strength.

For example: endowment insurance! The annual cost is almost 6000 yuan. Let's talk about this medical insurance first! It costs about 3000 a year.

Compared with the expenditure of urban and rural residents, the endowment insurance, whether in 200 yuan or 2,000 yuan, is relatively low, not to mention medical insurance. The annual cost is about 450 yuan.

To sum up, the unit pays social security and resigns to the countryside. It can be said that the cost of transferring urban and rural residents to social security is relatively low, and the economic pressure will be less, but the pension benefits after retirement will be much lower. Therefore, for those who pay social security for the unit and resign and return to the countryside, this piece needs to be measured, whether to become urban and rural residents or continue to pay social security for urban workers.

Legal basis: Article 3 of the Interim Measures for the Connection of Urban and Rural Endowment Insurance Systems. After reaching the statutory retirement age of urban workers' pension insurance, the payment period of urban workers' pension insurance reaches 15 years (including extending the payment to 15 years), and those who participate in urban workers' pension insurance and urban workers' pension insurance may apply for changing from urban and rural pension insurance to urban workers' pension insurance, and the corresponding treatment shall be calculated according to the urban workers' pension insurance method; If the payment period of endowment insurance for urban workers is less than 15 years, you can apply for transferring from endowment insurance for urban workers to endowment insurance for urban and rural residents. When the conditions for receiving the pension insurance for urban and rural residents are met, the corresponding treatment shall be paid according to the pension insurance for urban and rural residents.