Pay social insurance and social security, which is more cost-effective to get a pension when you retire?

The difference between agricultural insurance and social security: agricultural insurance and social security belong to two different types of national social security systems, and the main difference lies in the different groups targeted. Agricultural insurance is mainly aimed at farmers, with less payment and less pension when they retire; Social security is mainly aimed at urban workers, paying more and receiving more pensions when they retire. Social security retirement, male 60 years old, female 50 years old, female management technical post 55 years old; In the new rural insurance, both men and women go through the pension collection procedures at the age of 60.

First, employees with flexible employment can participate in endowment insurance for urban enterprise employees. In other words, the old-age insurance relationship you have transferred back will be retained, and you can renew your insurance as an individual insured in the future, but at the same time you need to withdraw from the new rural insurance (the specific operation is: I fill out the application form for surrender to the town social security office to apply for surrender, and then terminate my withdrawal from the new rural insurance office of the district social security office).

Payment standard: the tentative payment base of Hunan Province in 20 12 years is 2850, and the payment amount is divided into two stages: 6850 yuan/year and 4 104/ year; Minimum payment period 15 years;

Current treatment level: among 20 12 new retirees, the payment period is more than 40 years, and the treatment level is about 2200 yuan/month.

Second, you can choose to continue to participate in the new rural insurance. In this case, you need to return the endowment insurance you transferred back, that is, the personal part transferred back to the endowment insurance fund is returned to the insured person himself.

Payment standard: at present, it is 100 yuan per year, divided into five grades in 200 yuan, 300 yuan, 400 yuan and 500 yuan. Insured people choose their own payment grades and pay more.

Payment period: there are two situations. First, when the new rural old-age insurance system is implemented, those who receive less than 15 years should pay their fees every year until retirement age. Second, if the retirement age exceeds 15 years, the payment shall be made annually, and the accumulated payment period shall not be less than 15 years. Otherwise, you won't enjoy the basic pension after you reach the age of 60.

Retirement benefits: It consists of basic pension (currently, the standard stipulated by the central government is 55 yuan per person per month) and personal account pension (paid monthly, with the standard of dividing the total personal account by 139), and paid for life.

In terms of the amount, it is true that rural workers pay less, and when they receive it, they are obviously less than urban workers, but we must know that urban workers pay more themselves; Judging from the age structure, rural areas generally receive more time than cities, which is also certain. The difference between agricultural insurance and social security lies not only in these, but also in many small details, although it is covered. As the insured, we should know enough about these details to guarantee our legitimate rights and interests.

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