Can employee pension and rural pension insurance be merged?

Rural and employee pension insurance can be merged, and pensions will increase. There are two main situations.

1. Those insured in the same overall planning area are not merged. If you are insured in the same overall planning area, there is only one social security account. Therefore, rural endowment insurance and employee endowment insurance are paid in the same social security account, and there is no need to merge.

2. Insured persons in different areas need to be transferred and merged. However, if you are insured in different co-ordination areas, you need to go through the transfer and connection procedures before you can merge your accounts because you have not yet achieved national co-ordination.

Three major differences between rural endowment insurance and enterprise endowment insurance

Rural old-age insurance 1 payment, employee old-age insurance 1 payment, their differences are reflected in the following three aspects:

1. Payment amount: rural pension is less than employee pension;

2. Pension amount: the pension benefits calculated by rural pension accounting are much less than the pension amount of employee pension retirement;

3. Adjustment of benefits: the adjustment amount of rural pension benefits is lower than that of employees' pensions. The adjustment of rural pension benefits is not necessarily adjusted every year, but it will only be adjusted when the state has adjustment documents, but the retirement of employees' pensions has achieved a continuous growth of 14.

Therefore, it is suggested to take insurance as much as possible, pay employees' pensions, pay more and get more, and the pension will be higher in the future, and the pension adjustment will be higher accordingly.

At the same time, farmers who pay new rural insurance and employee pension insurance can combine the balance of individual pension insurance accounts, but they cannot combine the payment period of pension insurance. If the accumulated payment is less than fifteen years when reaching the statutory retirement age, it can be paid for fifteen years, or it can be transferred to the new rural social endowment insurance or urban residents' social endowment insurance.

In order to solve the changes of farmers' working in cities and the economic conditions of the insured, the social security system stipulates that two forms of social security can be merged with old-age insurance, that is to say, the two types of old-age insurance can be effectively linked. In other words, a person can only participate in one kind of insurance. However, due to the mobility of population, the change of jobs and the uncertainty of economic situation, people will encounter some problems that need to be changed when they participate in endowment insurance. In order to solve these practical problems of the insured, in 20 14, after the unified establishment of the old-age insurance system for urban and rural residents, the state promulgated the Interim Measures for the Connection of Urban and Rural Old-age Insurance.

legal ground

Article 16 of People's Republic of China (PRC) Social Insurance Law

Individuals who participate in the basic old-age insurance will receive the basic old-age pension on a monthly basis if they have paid a total of fifteen years when they reach the statutory retirement age.

Individuals who participate in the basic old-age insurance and pay less than fifteen years when they reach the statutory retirement age can pay for fifteen years and receive the basic pension on a monthly basis; Can also be transferred to the new rural social endowment insurance or urban residents' social endowment insurance, enjoy the corresponding pension insurance benefits in accordance with the provisions of the State Council.