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Can I still pay social security after paying agricultural insurance? Will there be conflicts?
The differences between new rural insurance and social security are as follows:
1, the insured objects are different. The objects of social security insurance are employees of payment units, individual industrial and commercial households without employees and individual operators with household registration in this area that has not reached retirement age. The insured objects of agricultural insurance are residents with local household registration, at least 16 years old, excluding students in school and not participating in the basic old-age insurance for employees;
2. No payment standard is required. Social security and endowment insurance for urban workers are paid on a monthly basis, with employees' wages as the payment base. Agricultural insurance and endowment insurance for urban and rural residents shall be paid annually and according to the prescribed amount;
3. 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 basic pension for social security residents consists of three parts: basic pension, personal account pension and payment period pension. Persons who transferred from residential insurance to pension: men over 60 years old and women over 55 years old. Persons directly applying for basic pension: men over 60 years old and women over 55 years old.
Because the new rural endowment insurance is an integral part of social endowment insurance, if you have already participated in the new rural endowment insurance, you can no longer participate in the urban employee endowment insurance, but the two can be transferred to each other. In other words, the payment period of the old-age insurance for urban workers in the past can be transferred to the period of the new rural insurance that you later participated in.
Agricultural insurance refers to the rural social security system in which the administrative department is responsible for organization and management, rural economic organizations, collective institutions and workers from all walks of life share the obligation to pay old-age insurance premiums, and workers enjoy basic old-age insurance benefits according to the payment status of old-age insurance premiums when they are old.
Medical insurance generally refers to basic medical insurance, which is a social insurance system established to compensate workers for economic losses caused by disease risks. The medical insurance fund is established through the contributions of employers and individuals. After the insured person has medical expenses, the medical insurance institution will give certain economic compensation. The establishment and implementation of the basic medical insurance system has gathered the economic strength of units and social members. With the government's funding, sick social members can get the necessary material help from society, reduce the burden of medical expenses, and prevent sick social members from becoming poor due to illness.
Non-student groups over the age of 16 who have not participated in the basic old-age insurance for urban workers may voluntarily participate in rural old-age insurance. While participating in the endowment insurance for urban workers, you cannot participate in the rural endowment insurance. The same person is only allowed to enjoy one pension and medical insurance for life, which means that even if we participate in social security for urban workers and social security for urban and rural residents at the same time, we cannot enjoy double protection. The insured can only choose one and give up one, so it is meaningless to join the insurance at the same time. Urban and rural residents' social security payment level is relatively low, and the corresponding treatment is also relatively low, while urban workers' social security is paid in the unit, with high payment level and many treatments.
I hope the above content can help you. If in doubt, please consult a professional lawyer.
Legal basis: Article 21 of People's Republic of China (PRC) Social Insurance Law.
The treatment of new rural social endowment insurance consists of basic pension and personal account pension. Rural residents who participate in the new rural social endowment insurance meet the conditions stipulated by the state and receive the benefits of the new rural social endowment insurance on a monthly basis.
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