What is the difference between urban workers social security and urban and rural residents social security

The urban workers social security and urban and rural residents social security are both important insurance system to protect the old age of our old age, there is a connection between the two, there are differences. The following is a small introduction to the differences between the two types of insurance for you. 1 payment cycle is different. urban workers to implement monthly contributions, generally by the unit withholding social security; most cities of urban and rural residents are annual contributions, the payment of insurance costs every year there is a certain increase. 2 The nature of the contribution is different. urban workers social insurance, is the national law provides a kind of social welfare, with mandatory, both the right, but also the obligation of urban workers. Enterprises must pay social insurance for employees, the relevant government departments once found that enterprises did not follow the standard to buy social insurance for employees, the company will be included in the list of bad faith, but also face a huge fine. Social insurance for urban and rural residents is voluntary, not mandatory, residents according to their own wishes and economic situation to choose the appropriate contribution level to participate in the insurance. 3 The audience is different. The social insurance for urban workers is mainly for urban workers, flexibly employed people, self-employed businessmen, and retirees enjoying pensions; the social insurance for urban and rural residents is mainly for urban and rural residents not in employment, such as unemployed people, laid-off workers, rural residents, young students, low-income households, people with disabilities, and so on. It is important to note here that only people with a household registration in the city can pay for the city's urban residents' social insurance, while there is generally no restriction on household registration for urban workers' social insurance. 4 The contribution standards are different. ①Pension insurance. The contribution base for urban workers' pension insurance is generally 60% to 300%, based on the average monthly salary of local active workers published in the previous year, with employees contributing 8% of their average monthly salary and units contributing 20%. In the Chongqing area, the average private enterprise employee pays a minimum of about 350 yuan per month for pension insurance, and banks, state-owned enterprises, and institutional employees pay a maximum of about 1,350 yuan per month for pension insurance. Pension insurance for urban and rural residents generally has 12 contribution brackets ranging from 100 to 2,000 yuan***, and after the participant selects a contribution bracket, he or she will make contributions on a regular basis each year. In order to enable more urban and rural residents to realize a sense of security in their old age, the government will provide different subsidies according to the contribution level of the participants, with a maximum annual subsidy of 140 yuan, which also reflects the principle of "pay more and get more" in pension insurance. In economically developed coastal cities, the government subsidies for urban and rural residents will be higher, and the elderly will receive a larger amount. ② Medical insurance. Employee basic medical insurance premiums are paid by the employer and the employee***, the employer's contribution rate is generally controlled at 6% of the employee's average salary, and the employee's contribution rate is generally 2% of their salary income. Part of the basic medical insurance premiums paid by the organization is used to establish a comprehensive fund, and part is transferred to individual accounts; the basic medical insurance premiums paid by individuals are credited to individual accounts. Urban and rural residents medical insurance, most of the participants according to the age of the implementation of different contribution standards. For example, the acceptance time of this year's urban and rural residents' medical insurance in Shanghai is from November 15 to December 25, and the contribution standard for primary and secondary school students and infants is 110 yuan/year, 720 yuan/year for those aged between 19 and 59, 545 yuan/year for those aged between 60 and 69, and 370 yuan/year for those aged 70 or above. Participants pay contributions according to the year and enjoy the 2018 year (January 1 to December 31) urban and rural residents' health insurance treatment. 5 Different welfare benefits ① Pension insurance. Participants pay urban workers' social insurance is much higher than urban and rural residents, the amount of pension, medical reimbursement ratio is naturally much higher than urban and rural residents.In the statistics released in 2017, the average monthly pension for enterprise retirees in Beijing was 3,770 yuan, Qinghai was 3,353 yuan, and the average monthly pension for retired enterprise workers in the country was 2,362 yuan; the monthly pension for urban and rural residents in Beijing was average is 480 yuan, and the monthly average of Dongguan residents' pension insurance is 350 yuan. ② Medical insurance. The reimbursement rate of urban residents' medical insurance is 30% to 50% lower than that of employees' medical insurance. Residents' medical insurance does not have a limit on the number of years of enrollment, so it is necessary to pay yearly, and if you don't pay, you will not be able to enjoy the medical insurance benefits. Employee medical insurance adopts a continuous contribution system, men must have been insured for 25 years and women for 20 years, and they do not need to pay again after retirement, and they can also enjoy the basic medical insurance treatment. If a participant has not paid the required number of years, he or she will not be able to enjoy lifelong medical care after retirement. The above is about the difference between social security for urban workers and social security for urban and rural residents, I hope it will help you.