The difference between social security and agricultural insurance

The full name of social security is "social insurance", which is a social and economic system that provides income or compensation for people who have lost their ability to work, are temporarily unemployed or suffer losses due to health reasons.

The full name of new rural social endowment insurance is "new rural social endowment insurance", which is a social security system that combines individual contributions, collective subsidies and government subsidies to ensure the basic life of rural residents after they get old.

I. Social insurance

The membership of the social insurance system is determined by legislation, that is, every worker within the scope of legislation must participate in social insurance. Therefore, social insurance has certain legislative compulsion.

Social insurance emphasizes individual contributions. This kind of donation is similar to the insurance premium of commercial insurance in form, but the payment of social insurance is entirely based on self-help and mutual assistance. Workers who participate in the social insurance system obtain membership by paying fees, so there is a saying that "obligations are fulfilled first, then rights are enjoyed". At the same time, such rights and obligations are equal, that is, equal opportunities. When encountering various risks within the statutory scope, members participating in the social insurance system can get allowances to ensure their basic living needs.

Social insurance emphasizes the financing of workers, their work units and the state. It embodies the responsibility of the state and society to provide basic living security for workers. It is paid by the employee's work unit, which avoids the single source of social insurance funds and increases the insurance coefficient of the social insurance system itself. With the participation of the state, the social insurance system has a strong backing.

The "guarantee" of social insurance has the meaning of active prevention, which plays a preventive role in the risks within the statutory scope, so that members participating in the social insurance system can gain a sense of psychological security, thus reflecting the role of the social security stability mechanism.

Second, the new rural social endowment insurance

The social endowment insurance system, which is organized and implemented by the government to ensure the basic life of rural residents in their later years, is an important part of the national social insurance system.

Pension benefits are combined by social pooling and individual accounts, and are matched with other social security policies and measures such as family pension, land security and social assistance, and a financing model combining individual contributions, collective subsidies and government subsidies is established.

The new agricultural insurance fund consists of individual contributions, collective subsidies and government subsidies.

(1) individual payment. Rural residents who participate in the new rural old-age insurance shall pay the old-age insurance premium according to the regulations. The payment standard is set at 100 yuan per year, which is divided into five grades in 200 yuan, 300 yuan, 400 yuan and 500 yuan. All localities can increase the payment grade according to the actual situation. Insured people choose their own grades to pay, and pay more. The state adjusts the payment grade according to the growth of per capita net income of rural residents.

(2) Collective subsidies. Conditional village collectives shall give subsidies to the insured, and the subsidy standard shall be determined by the villagers' committee holding a villagers' meeting. Encourage other economic organizations, social welfare organizations and individuals to provide financial support for the insured.

(3) government subsidies. The government pays the insured who meets the basic pension conditions of the new rural insurance in full, in which the central government gives full subsidies to the central and western regions and 50% subsidies to the eastern regions according to the basic pension standards determined by the central government.

The local government subsidizes the payment of the insured, and the subsidy standard is not lower than the 30 yuan per person per year; Appropriate encouragement may be given to those who choose higher-grade standard payment, and the specific standards and measures shall be determined by the people's governments of all provinces (autonomous regions and municipalities). Local governments pay part or all of the minimum standard old-age insurance premiums for groups with payment difficulties such as severely disabled people in rural areas.

Three, compared with the old rural insurance, the new rural insurance has the following characteristics.

① The financing channels are wider, and the new rural insurance not only includes individual contributions, but also government subsidies;

(2) The payment method is more standardized, and the payment grade and fixed number of years are more standardized and flexible, and cannot be arbitrary;

③ The treatment calculation is more scientific, and the calculation method of combining basic pension with personal account pension is adopted to establish the growth mechanism;

(4) The bookkeeping method is more flexible. At the same time of establishing personal account, a co-ordination account is also established, which is combined with personal account;

⑤ The management level of the fund is relatively high, and a special financial account of the fund has been set up, with two lines of revenue and expenditure management, and personal accounts are managed at the provincial level, thus ensuring the safe operation of the fund.

Agricultural insurance and social security do not conflict. The object of agricultural insurance is rural hukou; Social security is urban hukou, including employees working in rural hukou of enterprises. If urban enterprises pay social security, they can suspend agricultural insurance; After breaking away from the enterprise labor relations, the social security paid by the enterprise can be transferred to the agricultural insurance account and then paid to the agricultural insurance.