Which is more suitable, personal social security or new rural insurance?

Rural insurance is now called basic old-age insurance for urban and rural residents, and eligible people are unemployed urban and rural residents. The lowest payment level is 200 yuan for one year, and the highest is 2,000 yuan a year. This kind of old-age insurance has a low threshold and a low level of protection. To participate in the new rural insurance and the new rural cooperative medical system, the state has certain subsidies every year, that is, it can choose the way of combining state subsidies and self-funded according to its own economic ability. High payment level leads to high retirement benefits in the future, and the payment period needs to reach 65438.

Second: social security.

Social security is called the basic old-age insurance for employees of urban enterprises, and it is also applicable to individual industrial and commercial households and urban flexible employees. The payment amount of this kind of old-age insurance is calculated based on the average social wage of employees in this province last year, and paid in different levels according to actual ability. If you choose social security, you can choose urban workers' endowment insurance and medical insurance, which are characterized by higher payment but higher retirement benefits.

Third: the difference between the two.

The old-age insurance pays social security for employees, and the medical insurance adopts the new rural cooperative medical system. The advantage of paying social security for employees is that from the perspective of providing for the aged, the basic guarantee for retirement is much higher. Social security and new rural insurance have their own advantages, such as high social security payment, good retirement benefits, low new rural insurance payment and low retirement benefits. You can make a choice according to your own economic situation.

Fourth: work unit

If you choose to work, your work unit will pay the corresponding social security fees to your employees. If you participate in social security, in fact, the accumulated payment period of social security can be accumulated, but if you participate in rural insurance, there is no way to accumulate the accumulated payment. So you either choose to give up agricultural insurance or social security, which is a very contradictory relationship.

Fifth: the actual situation

If you don't have the will and plan to get a job in the future, that is to say, you may never work for a lifetime, then the choice of social security and agricultural insurance in this case depends on your own economic ability. If the economic conditions are good, you can pay social security. After all, the protection level is higher. If the economic capacity is weak, you can choose agricultural insurance.

Finally, no matter what you choose, you need to choose according to your local and actual situation. What suits you is the best. I hope everyone will safeguard their legitimate rights and interests!