Can social security and agricultural insurance be bought at the same time?

Rural endowment insurance and employee endowment insurance can be paid at the same time, but it is not recommended to pay at the same time, because the two insurances cannot be enjoyed together when used, and only the highest one can be used. However, employee insurance and resident insurance are interchangeable. After the social security payment reaches 15, the amount in the resident insurance can be transferred to the social security account, but the payment period cannot be transferred. If the insurance payment period is less than 15 years, or social security is no longer paid, you can also apply to transfer employee insurance to the new rural insurance. The employee's insurance period can be accumulated into the new rural insurance account and receive a pension according to the new rural insurance standard.

If the user is a rural hukou, he can pay social security and rural insurance at the same time. After paying social security at work, you can go back to your hometown to pay rural insurance. There is no conflict between them.

Although agricultural insurance and social security can be paid at the same time, it is generally not recommended to pay at the same time, because the benefits of agricultural insurance and social security cannot be shared in the end.

Therefore, even if users pay social security and agricultural insurance, they can only choose one when they finally need it, and there is no need to spend two fees.

However, if some users are ready to leave their jobs and do not intend to get employment in the short term, but they are worried that they may need medical insurance during this period, they can choose to continue to pay rural insurance.

Benefits of five risks

1, the more individuals pay, the more investment the unit will give you. The payment of five insurances and one gold is the same base, and the proportion of units and individuals is different. The unit pays about twice as much as the individual.

2. The payment of social security accumulation fund is tax-free, not only personal income tax is not deducted when paying, but also personal income tax is not deducted when receiving benefits, and interest tax is not deducted from special accounts; If you pay me, you need to withhold personal income tax, and if you deposit it in the bank, there will be interest tax.

3. Pay the old-age insurance to reach the minimum age. After reaching the statutory retirement age, you can apply for retirement and receive a monthly pension. Pension can be received until death. With the improvement of social living standards, it will only increase rather than decrease, and the amount of capital increase will be adjusted every year, which can ensure the stability and reliability of old age life.

4. Paying medical insurance can get medical insurance reimbursement; If the accumulated contributions on the job reach the minimum number of years, you can enjoy medical insurance benefits higher than on-the-job reimbursement without continuing to pay basic medical expenses after retirement.

5. Payment of maternity insurance can reimburse the expenses of prenatal examination, family planning operation and delivery operation. Moreover, the maternity insurance premium is entirely borne by the unit.

6. Payment of unemployment insurance benefits You can get unemployment insurance benefits and other subsidies when you are unemployed. Unemployment insurance is a kind of policy insurance, which is usually not available in commercial insurance companies.

7. Pay work-related injury insurance, and you can get compensation in case of work-related accidents or occupational diseases. You are not afraid of 10 thousand yuan, but you are afraid of one thousand, especially some major accidents. Don't worry about small companies delaying payment. Moreover, the work-related injury insurance premium is entirely borne by the unit.

8. Paying the housing provident fund is equivalent to the unit depositing a tax-free income in proportion to you, which can be used for housing-related purposes. If you don't use it up at work, you can take it out once after retirement; In addition, the housing provident fund loan interest rate is lower than that of commercial loans.

9. After the implementation of the unified account pension insurance payment system, the actual payment period of social insurance has become the most convincing proof of the length of service of enterprises. There are more and more times when social security payment certificates are needed, such as proving social services to confirm the days of paid annual leave, for example, loans need to be paid in local social security for more than one year when real estate is regulated, and so on.

10, don't worry too much about inflation or currency depreciation, because the pension benefits are composed of two parts, and the personal account pension is completely formed by individual contributions. This branch has the same inflation risk as bank deposits; However, the basic pension is linked to the local social average wage and the individual indexed average wage, which is itself anti-inflation; And after retirement, it will increase capital every year with the local economic level. The more you pay, the longer you pay, and the higher the level of pension benefits after retirement.

Legal basis:

Article 20 of People's Republic of China (PRC) Social Insurance Law

The state establishes and improves the new rural social endowment insurance system. The new rural social endowment insurance combines individual contributions, collective subsidies and government subsidies.

Article 21

The treatment of new rural social endowment insurance consists of basic pension and personal account pension. Rural residents who participate in the new rural social endowment insurance meet the conditions stipulated by the state and receive the benefits of the new rural social endowment insurance on a monthly basis.

Article 22

The state establishes and improves the social endowment insurance system for urban residents. The people's governments of provinces, autonomous regions and municipalities directly under the Central Government may, according to the actual situation, combine the social endowment insurance for urban residents with the new rural social endowment insurance.