Can social security be merged with rural insurance when it is less than 15?

No, according to the relevant regulations of our country, rural endowment insurance and social security cannot be merged. In China, endowment insurance is divided into three categories: basic endowment insurance for enterprise employees, new rural social endowment insurance and urban residents' social endowment insurance. The latter two categories can also be merged into social endowment insurance for urban and rural residents. Rural insurance is a relatively broad concept. Usually we refer to rural medical insurance. The so-called rural medical insurance of course refers to the new rural cooperative medical system. This is the voluntary participation of villagers, and the sources of financing are individuals, collectives and the government to solve the problem of farmers' "difficulty in seeing a doctor". Not everyone can buy medical insurance in rural areas. Only people with rural hukou can participate in insurance, and they have to pay for it in one year, and they can only be guaranteed in the next year. Once they miss the time, they will be in trouble. The social security of the unit mainly refers to "five insurances and one gold", namely: endowment insurance, medical insurance, unemployment insurance, maternity insurance and work injury insurance; One gold: housing accumulation fund. The Social Insurance Law stipulates that endowment insurance, medical insurance and unemployment insurance can all be transferred and merged across regions, but only the insurance premiums for different time periods are paid during the merger, and the repeated insurance premiums for the same time period cannot be merged. When one party is insured in multiple places, it can transfer the previously insured account to the destination, and at the same time, it can apply for the merger of the former and latter accounts. After the formalities are completed, the payment period before and after and the balance of personal account are calculated cumulatively (excluding repeated insurance payment in the same period).

Extended data:

How to pay five insurances and one gold for social insurance?

Enterprises and institutions must pay five insurances and one gold for their employees. Because national laws stipulate that every employee must enjoy the five insurances and one gold benefits of enterprises and institutions, otherwise such enterprises are illegal. So how do you pay five insurances and one gold? In fact, medical insurance, endowment insurance and unemployment insurance are all paid by enterprises and individuals in proportion, while maternity insurance and industrial injury insurance are all borne by enterprises alone. Therefore, part of the expenses of endowment insurance, medical insurance, industrial injury insurance and, of course, housing provident fund are deducted from our salary.

Legal basis:

People's Republic of China (PRC) social insurance law

Article 1 This Law is formulated in accordance with the Constitution for the purpose of adjusting the social insurance relationship, safeguarding citizens' legitimate rights and interests in participating in social insurance and enjoying social insurance benefits, enabling citizens to share the fruits of development and promoting social harmony and stability.

Sixteenth individuals who participate in the basic old-age insurance will receive the basic old-age pension on a monthly basis if they have accumulated contributions for 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.