How to renew social security when rural hukou becomes urban hukou?

According to what you said, if the new rural insurance has not been paid for 15 years, it is not recommended that you transfer to urban household registration social security, because even if you can transfer it, it is only the transfer of funds from your personal account, which is not cost-effective for you personally. You can read the following interpretation carefully.

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How to transform the connection of employee pension insurance, new rural insurance and urban residents' pension insurance?

China's urban and rural endowment insurance will realize the convergence transformation, and Ministry of Human Resources and Social Security recently made a report on the convergence of urban and rural endowment insurance system.

The interim measures are open for comments, as of 12, 16.

The "Measures" propose that China's employee pension insurance, new rural insurance and urban residents' pension insurance will be connected and converted, and the payment period will also be clearly defined.

application area

More than two kinds of insurance can be converted.

The Measures stipulate that those who have participated in two or more existing old-age insurances, namely, urban workers' basic old-age insurance (hereinafter referred to as "occupational insurance"), new rural social old-age insurance (hereinafter referred to as "new rural old-age insurance") or urban social old-age insurance (hereinafter referred to as "urban residential insurance"), can be converted into old-age insurance. However, they only participated in one insurance system, and when transferring across regions, they still transferred according to the regulations of each system.

It should be noted that,

The "Measures" are applicable to those who are still in the payment period and have not received pension insurance benefits; Persons who have retired or received pension insurance benefits according to regulations do not need to recalculate their benefits, and the Measures are not applicable. The convergence conversion referred to in the Measures mainly aims at three situations: occupational insurance is converted into new rural insurance or urban residential insurance; New rural insurance or urban residential insurance is transformed into job insurance; The new rural insurance and urban housing insurance are transferred to each other.

Whether the conversion condition payment exceeds 15 years is the boundary. The "Measures" stipulate that those who have participated in the payment period of occupational insurance for 15 years (including extending the payment period according to relevant regulations) may apply to transfer from new rural insurance or urban residence insurance to occupational insurance; If the payment period of occupational insurance is less than 15 years, you can apply for changing from occupational insurance to new rural insurance or urban residence insurance.

Interpretation: Ministry of Human Resources and Social Security said that this is mainly due to the fact that the occupational insurance system, the new rural insurance system and the urban residential insurance system all stipulate payment.

The condition for enjoying the basic pension on a monthly basis is that the number of years has expired 15, and the level of occupational insurance benefits is relatively high.

Therefore, it is stipulated that as long as the payment period of participating in occupational insurance is met, no matter how long it takes to pay in the new rural insurance or urban residential insurance, it can be transferred to occupational insurance to calculate the treatment, which is conducive to protecting the rights and interests of the insured to the maximum extent, and at the same time guiding the insured to participate in insurance for a long time and continue to pay; For those whose on-the-job insurance payment is insufficient for 15 years due to various reasons, according to the provisions of the Social Insurance Law, the on-the-job insurance will be changed to the new rural insurance or urban residence insurance, and the latter will play the role of "covering the bottom" to avoid the loss of rights and interests of the insured due to the insufficient payment period of on-the-job insurance.

Transfer quota

The "Measures" that only personal accounts are transferred without transferring the overall fund stipulates that all the storage amount of personal accounts will be transferred with the transfer. However, Ministry of Human Resources and Social Security specifically stated that due to the differences in the three types of insurance systems, the occupational insurance was transferred to the new rural insurance or urban residential insurance, and the occupational insurance pooling fund was not transferred.

Interpretation: At present, among the three old-age insurance systems in China, only occupational insurance is divided into overall planning and personal account.

Ministry of Human Resources and Social Security said, first, the overall fund is a special arrangement of the state for the occupational insurance system, and its basic function is to guarantee the basic life of occupational insurance retirees; There is no such arrangement in the new rural endowment insurance and urban residence insurance system, but the basic pension is paid in full by the government. If the occupational insurance is changed to the new rural insurance or the urban residence insurance policy, it will lead to an imbalance in the funding arrangements of various systems.

Second, the overall fund is different from the individual account in nature and is not owned by the individual. In case of trans-regional transfer within the on-the-job insurance system, transfer is required.

12% of the overall fund is to properly balance the burden of occupational insurance funds between different regions, which is not directly reflected in the personal rights and interests of the insured; The insured person is transferred from occupational insurance to new rural insurance or urban residential insurance, and the overall fund is not transferred, nor does it affect his personal rights and interests.

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The transfer-out occupation insurance payment period can be accumulated. The "Measures" stipulate that the payment period of the insured who is transferred from occupational insurance to new rural insurance or urban housing insurance can be combined and accumulated into the payment period of new rural insurance or urban housing insurance. If the insured person is transferred from the new rural insurance or urban residential insurance to the job insurance, the payment period for participating in the new rural insurance and urban residential insurance will not be converted into the payment period for the job insurance.

Interpretation: Ministry of Human Resources and Social Security said that the basic background of such regulations is a system between occupational insurance and new rural insurance or urban residence insurance.

The level of payment varies greatly, generally reaching ten times or even dozens of times.

In view of the fact that even if the original payment period is converted after the new rural insurance and urban residential insurance are converted into occupational insurance, it will have little impact on the calculation and development of their pensions, and the full transfer of personal accounts is more beneficial to the insured than the conversion of payment period, so it is stipulated that it will not be converted. However, for the insured whose job insurance is transferred to the new rural insurance or urban residential insurance, in order to avoid the situation that the insured who participated in the job insurance, new rural insurance and urban residential insurance are dissatisfied with 15 years and cannot enjoy the treatment, it is more conducive to safeguarding the rights and interests of the insured to stipulate that the payment years of each system can be combined and accumulated.

Special reminder

The repeated insurance premium should be refunded to me.

The "Measures" stipulate that if the insured repeatedly participates in occupational insurance and new rural insurance or urban residential insurance, if there are repeated insurance contributions in the same year, the new rural insurance or urban residential insurance will be surrendered, and the corresponding amount of individual contributions will be refunded to him.

Interpretation: Due to the lack of convergence and transformation, there are many repeated participation in China. According to the social security audit report of the National Audit Office in August this year, by the end of 20 1 1, there were1124,200 people who participated in the three types of old-age insurance repeatedly, and 92,700 people received the old-age pension XX repeatedly.

Ten thousand yuan. Ministry of Human Resources and Social Security said that the design and operation of the social security system in China are not allowed to participate in insurance again. There are several factors that lead to repeated participation in insurance: the implementation of different systems is different, and employees' participation in job insurance is a legal right and obligation, while participation in new rural insurance and urban residence insurance is based on the principle of voluntariness; The specific provisions of insurance payment are also different. Occupational insurance pays monthly, while new rural insurance and urban residential insurance pay annual. All these make it difficult to avoid repeated insurance.

In this regard,

The "Measures" stipulate that for those who repeatedly participate in the insurance, priority should be given to retaining the job-insurance relationship with a higher level of treatment, and the individual contributions of the new rural insurance or urban residential insurance during the period of repeated participation should be returned to me, so as to minimize the extra payment burden of relevant personnel.

Key points in the connection of urban and rural endowment insurance system

application area

● Applicable to persons who have participated in two or more on-the-job insurances, namely, new rural insurance and urban residential insurance.

● These Measures are not applicable to the insured persons transferred across regions within a certain system, who transfer and continue the pension insurance relationship in accordance with the provisions of various systems.

● The method is applicable to the insured persons who are still in the payment period and have not received pension insurance benefits.

● Persons who have received pension insurance benefits from various systems according to state regulations do not need to be recalculated.

Encounter, so the "measures" do not apply.

Three transformations

New rural insurance or urban residence insurance is transferred to job insurance.

Persons who participate in occupational insurance, new rural endowment insurance or urban residence insurance can apply for changing from new rural endowment insurance or urban residence insurance to occupational insurance when they reach the statutory retirement age of occupational insurance (including the age of receiving benefits) and the payment period of occupational insurance is over 15 years (including the extension of payment according to relevant regulations), and pay corresponding benefits according to the way of occupational insurance.

Job security is transferred to new rural insurance or urban residential insurance.

If the payment period of occupational insurance is less than 15 years, you can apply for changing from occupational insurance to new rural insurance or urban residence insurance. In accordance with the provisions of the new rural insurance or urban residential insurance conditions, according to the new rural insurance or urban residential insurance measures to pay the corresponding treatment.

Cross-regional convergence of new rural insurance or urban residential insurance

Participate in the new rural insurance or urban residential insurance,

During the payment period, if the transfer of household registration requires cross-regional procedures for the connection between the new rural insurance and the urban residential insurance, it can be applied in real time at the place where it moves in.

Apply together before retirement

The main target is the insured who come from rural areas and work in cities.

The "Interim Measures" stipulates that the insured shall apply "for the last time" before determining the pension insurance benefits.

Transfer and connection,

Instead of using the real-time connection mode of "walking and turning". In other words, no matter how many times the insured's pension insurance has been changed, there is no need to rush to transfer it, and finally apply together when they retire.

The explanation points out that,

This is mainly due to the fact that the main target of the connection between on-the-job insurance and new rural insurance or urban residential insurance is the insured who work from rural to urban areas, and some of them may move between urban and rural areas for employment many times. The real-time connection mode of "moving with you" will lead to repeated changes in social insurance relations, increase the transaction burden of the insured, and easily lose the rights and interests of endowment insurance.

Treatment process

apply for

The old-age insurance system shall be connected by the insured himself to the social insurance agency where the treatment is received.

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The social insurance agency in the place where the benefits are received accepts and examines the written application of the insured. To meet the requirements of these measures, send a contact letter to the social insurance agency where the insured person's original job insurance, new rural insurance or urban residence insurance is located within 15 working days.

And provide relevant information; For those who do not meet the system connection conditions, explain to the applicant.

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The social insurance agency where the insured person's original job insurance, new rural insurance or urban residence insurance relationship is located shall complete the system connection procedures within 15 working days after receiving the contact letter.

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The social insurance agency in the place where the benefits are received shall complete the relevant procedures within 15 working days after receiving the funds transferred by the social insurance agency in the place where the original job insurance, new rural insurance or urban residence insurance are located, and notify the insured in time.

endowment insurance

Basic old-age insurance for urban workers (occupational insurance)

● Payment ratio: 20% for enterprises and 8% for employees.

● Account management: the combination of social pooling and personal accounts.

● Receiving conditions: enterprise employees reach the legal retirement age (60 years for male employees, 55 years for female cadres and 50 years for female employees), and they can receive the basic pension on a monthly basis after they have paid 15 years.

● Coverage: By the end of 20 1 1, the number of people participating in insurance nationwide was 280 million.

New rural social endowment insurance (new rural endowment insurance)

● Implementation time: pilot in 2009 and achieve full coverage in 2020.

● Coverage: Rural residents who have reached the age of 16 (excluding students at school) and have not participated in the basic old-age insurance for urban workers can voluntarily participate in the insurance at their domicile.

● Payment method: The new rural insurance fund consists of individual contributions, collective subsidies and government subsidies.

● Eligibility: Elderly people with rural household registration who have reached the age of 60 and do not enjoy the basic old-age insurance for urban workers can receive a monthly pension.

● Coverage: By the end of 20 1 1, 358 million people had participated in the new rural endowment insurance.

Social endowment insurance for urban residents (urban residents' insurance)

● Implementation time: 20 1 1 July, with full coverage in 20 12 years.

● Coverage: Non-employed urban residents who have reached the age of 16 (excluding students at school) and do not meet the requirements for participating in the basic old-age insurance for employees may voluntarily participate in the insurance at their domicile.

● Payment method: residents' payment and government subsidies.

● Enjoy treatment: Insured residents who have reached the age of 60 can receive monthly pensions including basic pensions and personal account pensions. Urban residents who have reached the age of 60 and meet the prescribed conditions can receive basic pensions on a monthly basis without paying fees.

● Coverage: By the end of 20 1 1, 27 provinces were piloted, covering about 60%.

● Welfare distribution: By the end of 20 1 1, a total of 2.35 million residents in * * had been provided with urban housing for the aged.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.