Urban and rural pension insurance and employee pension insurance conflict

A, urban and rural residents pension insurance and employee social security conflict

The two are in conflict, that is to say, can not pay at the same time.

That is to say, if we may have participated in both urban and rural residents' pension insurance and employee social security when the final result of the future can only enjoy a pension. Therefore, even if we have already participated in the insurance, it will be regarded as meaningless.

Of course, if both are insured, then the first thing to consider is to insure the urban and rural residents' pension insurance, because after all, the employee social security can enjoy a higher pension than the residents' pension insurance is still much higher, so that it makes more sense to keep the employee social security.

The urban and rural pension insurance and employee pension insurance conflict.

Employee pension insurance participants for the formation of labor relations with the employer employees, urban and rural residents pension insurance for the urban and rural residents who do not belong to the coverage of the basic pension insurance system, the two groups of participants are different and can only enjoy a kind of pension benefits. If you have paid both the urban and rural residents' pension insurance and the employees' pension insurance, the two can be converted into each other. Upon reaching the legal retirement age, if you have paid 15 years of contributions to the employee's pension insurance, you can apply for a transfer from the urban and rural residents' pension insurance to the employee's pension insurance. If you have paid contributions for less than 15 years, you can transfer to the urban and rural residents' pension insurance and enjoy the corresponding pension insurance benefits according to the State Council regulations.

The old-age treatment is a combination of social coordination and individual accounts, complemented by other social security policies and measures, such as family old-age pension, land security, social assistance, etc., and a social old-age insurance system organized and implemented by the government, which is an important part of the national social insurance system. Rural old-age insurance and unit old-age insurance have overlapping aspects, and these two kinds of insurance can not be combined, so, only according to their own actual situation to choose in favor of their own old-age insurance.

Two, urban and rural residents pension insurance and employee social security can be reimbursed together

The two can not be reimbursed together.

First of all, urban and rural residents medical insurance and urban and rural residents medical insurance can not enjoy medical insurance treatment at the same time, mainly because of the two kinds of insurance object is different, the contribution time is different. Employees must participate in employee social insurance, residents can participate in the two kinds of medical insurance to choose.

In addition, can not participate at the same time, that is, can not be repeated to enjoy medical insurance treatment. Due to the different subjects of employee social insurance and residents' medical insurance, the payment time is also different.

Third, what is the difference between urban and rural residents' pension insurance and employee social security

1, the level of payment

Both types of plans pay more for employee health insurance. The urban and rural residents' pension insurance is paid once a year. in 2022, the minimum contribution for individuals everywhere is 250 yuan.

So for employee social security, basic health insurance is paid monthly, with the amount paid equal to the individual contribution base multiplied by the contribution rate. The minimum monthly fee is three to four hundred dollars.

2. Reimbursement ratio

There is not much difference between the contribution ratio of employee social security and resident medical insurance. The main reason is that the residents' medical insurance does not include the subsidized part, and the minimum subsidy is not less than 520 yuan.

Overall, in recent years, the reimbursement rate of basic medical insurance for urban and rural residents around the world is 59,3%, and the reimbursement rate of employee social security is 80,5%, a difference of 21,2 percentage points. It can be seen that although the reimbursement rate of residents' medical insurance is lower than the rate of employees' social security, the difference is actually not big.

Legal basis:

The People's Republic of China Social Insurance Law

Article 2: Individuals participating in the basic pension insurance for employees who have reached the statutory retirement age, and have accumulated less than fifteen years of contributions, may be extended to full fifteen years of contributions. Individuals who were insured before the implementation of the Social Insurance Law, and whose contributions are still less than fifteen years after a five-year extension, may make a lump-sum contribution until they reach the full fifteen years.

Article 3 Individuals who have participated in the basic pension insurance for employees and have made contributions for less than fifteen years (including the extension of contributions in accordance with the provisions of Article 2) after they have reached the statutory retirement age may apply for transferring to the new type of rural social pension insurance or urban residents' social pension insurance of the place where they are domiciled, and enjoying the corresponding pension insurance benefits.

If an individual who has participated in the basic pension insurance for employees reaches the statutory retirement age and has made contributions for less than fifteen years (including the extension of contributions in accordance with the provisions of Article 2) and has not been transferred to the new type of rural social pension insurance or the social pension insurance for urban residents, the individual may apply in writing for termination of the basic pension insurance relationship of the employee. Upon receipt of the application, the social insurance agency shall inform him/her in writing of his/her right to transfer to the new type of rural social pension insurance or urban residents' social pension insurance and of the consequences of terminating his/her basic pension insurance relationship, and upon his/her confirmation in writing, shall terminate his/her basic pension insurance relationship, and pay to him/her a lump sum of his/her personal account savings.