Is it cost-effective to transfer employee pension insurance to rural pension insurance?

Rural endowment insurance and employee endowment insurance are two different kinds of insurance, which cannot be applied at the same time, that is to say, they can only enjoy the treatment of one kind of insurance. 1. Can rural endowment insurance be transferred to employee endowment insurance? Because rural endowment insurance and employee endowment insurance exist mutually, but they can't accumulate payment years. Then if you want to participate in employee pension insurance, you must stop paying rural pension insurance, and then go to a single employee pension insurance. If you both participate in the old-age insurance at the same time, then the final result is that you will not enjoy the treatment of double pension. Therefore, rural endowment insurance and employee endowment insurance cannot be transferred to each other, so if you have participated in rural endowment insurance before, you can return it in full after participating in employee endowment insurance, which is guaranteed. In some areas, it is stipulated that the payment of rural old-age insurance can be refunded after implementation as long as employees participate in the old-age insurance and provide the corresponding proof of participation, but in some areas, it is stipulated that they must wait until the legal retirement age. The payment standard of rural endowment insurance itself is relatively low, so even if you have paid rural endowment insurance for many years, there is basically not much money. Therefore, although the money can be refunded, the time of refund is uncertain, because the regulations in different regions are different. But one thing is certain, because the rural old-age insurance you paid is fully credited to your personal account, so the full amount you paid is ok, and all the money can be refunded. Second, the difference between rural endowment insurance and social insurance 1. The participants of different rural insurances 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 individual payment standard of basic old-age insurance for rural endowment insurance with different payment ratios is 1.200 yuan/year, and the participation 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. The minimum payment period for agricultural insurance is 15, and the minimum age for enjoying retirement pension is 60 for men and 50 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 from that of endowment insurance for urban workers. It is based on the payment period, payment base, personal account and social average wage, and the calculation method is more complicated. The endowment insurance for urban and rural residents is calculated according to the total payment plus government subsidies and basic pensions. 5. Endowment insurance for urban workers with different payment natures is compulsory, while endowment insurance for urban and rural residents is voluntary. 6. Different types of social security mainly include medical insurance, endowment insurance, unemployment insurance, work injury insurance and maternity insurance, while rural insurance only includes rural medical insurance and rural endowment insurance. 7. The difference between receiving old-age 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. Third, can rural insurance and social insurance be paid at the same time? 1. If the user is a rural hukou, he can pay social insurance and rural insurance at the same time. After paying social insurance at work, you can go back to your hometown to pay rural insurance. There is no conflict between the two. 2. Although agricultural insurance and social security can be paid at the same time, it is generally not recommended to pay at the same time, because the benefits of agricultural insurance and social security are ultimately not enjoyed. Therefore, even if users pay two social security, they can only choose one to use when they finally need it, and there is no need to spend two. However, if some users are ready to leave their jobs and do not intend to get employment in the short term, but they are worried that they may need medical insurance during this period, they can choose to continue to pay rural insurance.

Legal objectivity:

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