Which is more cost-effective, social security or new rural insurance?

Insurance Bian Xiao helps you answer, and more questions can be answered online.

The differences are as follows:

All eligible urban and rural residents can freely choose to participate in the "new rural insurance" or the old-age insurance for urban workers according to their own conditions. There are great differences between the two social security systems in terms of payment standards and enjoyment of benefits: the "new rural insurance" is divided into five payment standards, the highest grade is 1.200 yuan/year, and when the payment is 15 years, it can receive 237 yuan per month (according to the current standards). If you are over 60 years old and have not paid 15 years, you can stop paying or make up for it at one time (the overdue part is 100 yuan/year). For the village or community where the household registration is located, the annual payment cycle is from March to May, and the bank will withhold it from the following year.

The legal age of endowment insurance for urban workers is 50 for women and 60 for men, and they are not allowed to participate beyond retirement age. In principle, you can be insured before you reach the age, and you can go through the relevant procedures at the social security office. The current standard is 268 yuan per month, and you must pay continuously for at least 15 years every month to enjoy the pension, and you are not allowed to pay it in one lump sum. A woman can't open an account in social security at the age of 55, only before she is 50.

Compared with the two, older people are suitable to participate in the "new rural insurance", and those under 45 (female 35 years old) have higher cost performance. If you exceed this time limit, you will have to postpone the time to enjoy the treatment. Of course, this should be done according to our own economic conditions. Generally speaking, the more premiums paid, the longer the time, and the more pension benefits you will enjoy.