What is the difference between the new rural insurance and urban and rural residents pension insurance

I. The concept of new rural insurance and urban residents' pension insurance

1. New rural insurance:

It is the abbreviation of new rural social pension insurance, which is aimed at guaranteeing the basic life of the rural residents in their old age, and establishes a financing mode combining individual contributions, collective subsidies and government subsidies.

2. Pension insurance for urban residents:

On July 1, 2011, China launched a pilot program of pension insurance for urban residents. As long as they are at least 16 years old (excluding school students), non-working urban residents who do not meet the conditions for enrollment in the basic pension insurance for employees can voluntarily participate in the urban residents' pension insurance in their place of domicile.

Basic pension insurance for urban workers is mandatory under national laws and regulations, and employers and employers, including individual workers, must pay contributions in accordance with the regulations; while the new rural insurance emphasizes the principle of voluntariness, and farmers participate voluntarily, which is also based on the actual situation in rural areas at the current stage, guided by the government, but not to engage in coercive orders.

There is flexibility", which is not found in the basic pension insurance for urban workers. In the basic pension insurance for urban workers, there are defined contribution rates, defined eligibility requirements, defined payment standards, and generally speaking, there is not much flexibility. In the new rural insurance, there is a principle called "flexibility", for example, the design of the contribution standard ranges from 100 yuan to 200 yuan, 300 yuan, 400 yuan and 500 yuan. Farmers can choose according to their own income level, while allowing the local increase in contribution standards, can be set up, can also be set down, which is to adapt to the imbalance in the economic development of various regions and relatively large differences in the level of income of the farmers in the actual situation, do not engage in "one size fits all".

The difference between the two

Difference 1:

System implementation time The new rural social pension insurance from October 1, 2010 began to implement; urban residents social pension insurance from July 1, 2011 began to implement.

Difference two: the conditions of participation in the new rural insurance for rural residents with the county's rural household registration, 16 years of age (excluding school students) who are not enrolled in the basic pension insurance for urban workers can participate in the new rural insurance; social pension insurance for urban residents to participate in the county with the county's household registration, 16 years of age (excluding school students) do not meet the conditions of participation in the basic pension insurance for urban employees are not engaged in the workforce. All residents can participate in the social pension insurance for urban residents.

Difference 3: contribution level The contribution standard for new rural insurance participants is set at 100 yuan, 200 yuan, 300 yuan, 400 yuan, 500 yuan, 600 yuan, 700 yuan and 800 yuan per year. The contribution standard for urban residents participating in social pension insurance is set at 100 yuan, 200 yuan, 300 yuan, 400 yuan, 500 yuan, 600 yuan, 700 yuan, 800 yuan, 900 yuan, 1,000 yuan, 1,200 yuan, 1,600 yuan and 12 grades. Both types of participants are independent of the choice of grade contributions, more pay more, in a natural year, the contribution grade is determined, a one-time payment.

Difference 4: government subsidies for special populations New rural insurance:

① belonging to the second level (including the second level) of severely disabled people to participate in rural social old-age pension insurance by the county finance in accordance with the minimum contribution of 50% of the grade for its contribution, enjoy rural low income for severely disabled people (above the second level), the county people's government in accordance with the lowest grade of individual contributions to the standard for the full amount of the payment;

② one-child household, two female sterilization households of rural residents to participate in the insurance premiums, the county people's government in accordance with the contribution of 10% of the lowest grade subsidies;

③ participants in the compulsory military service, the county people's government in accordance with the lowest grade of the individual contribution to the full payment. urban insurance:

① belonging to the second level (including the second level) of severely disabled people and disabled people with multiple disabilities in the family to participate in the insurance, by the county government in accordance with the minimum contribution of 50% of the class for its contribution, the urban low income for severely disabled people (above the second level) and disabled people with multiple disabilities in the family to participate in the county people's government in accordance with the standard of the lowest class of individual contributions for the full contribution;

② one-child family of urban residents to participate in the premiums, the county people's government in accordance with the contribution of 10% of the lowest level of subsidies;

③ participants in the compulsory military service period, the county people's government in accordance with the lowest level of individual contributions to the full amount of the contribution. Urban residents canceled the two women tied households to participate in insurance to enjoy the government subsidy policy, all special groups of people to participate in insurance are based on document authentication (if: the loss of my documents, you need to go to the appropriate departments to replace the documents), undocumented are not recognized. Compulsory soldiers serving on active duty to participate in the insurance and enjoy the low income of the severely disabled by the county Civil Affairs Bureau to provide supporting documents.

Three, the two merged

Currently, China's social pension insurance is mainly divided into four types: institutional pension insurance, urban workers' pension insurance, urban residents' pension insurance and new rural social pension insurance.

The new rural pension insurance and urban residents' pension insurance will be officially merged into the basic pension insurance for urban and rural residents. The new urban and rural residents' basic pension insurance policy will provide more tangible benefits to the insured residents.

1. Increase in individual contribution levels.

The original new rural insurance and urban insurance contribution standard is set at 100-1000 yuan per year 10 grades, now retain the original 10 contribution grades on the basis of the new 1500 yuan, 2000 yuan, 2500 yuan, 3000 yuan 4 grades, *** counting 14 grades, the insured person according to the family's economic conditions to choose, for the higher willingness to pay and the ability to pay residents Provide more choices.

2. The balance of the individual account can be inherited according to the law when the insured person dies.

The new policy stipulates that when a participant dies, the balance of the individual account can be inherited according to law, and the government subsidy will no longer be excluded. The legal beneficiaries can apply for the relevant procedures within 30 days from the date of death.

3. Establishment of a funeral subsidy system.

The new policy establishes a funeral subsidy system, which stipulates that after the death of the insured person, a one-time funeral subsidy will be given, and the subsidy standard will be 4 months of the basic pension standard, i.e., 400 yuan, which was not available in the original New Rural Insurance and Urban Residence Insurance policies. The establishment of this system under the new policy not only reflects humanistic concern, but also helps to alleviate the burden of funeral expenses on the families of insured residents. Urban and rural residents of the basic pension insurance system new policy, narrowing the gap between urban and rural areas, the realization of the basic public **** equalization of services, and promote the establishment of a more equitable and sustainable social insurance system, social harmony and stability play an extremely important role.

This is because the two systems, the new rural insurance and the urban insurance system, are extremely similar and have been set up successively, while the number of participants in the urban insurance system is very small, and some provinces have directly merged the two insurance systems into one in 2011 when the urban insurance system started. Therefore, it is very necessary to merge the two systems into one, and the significance of the merger is as follows:

(1) It is conducive to the promotion of urban-rural integration, and ensures that all the people enjoy the basic old-age protection;

(2) It is conducive to the promotion of vertical mobility of the population and the enhancement of a sense of security;

(3) It is conducive to the people's livelihood to have a stable expectation of improvement, and to stimulate consumption, and to encourage innovation and entrepreneurship;

Meaning four: It is conducive to saving government resources and improving the efficiency of pension insurance management.

In summary, the new rural insurance and urban residents' pension insurance are somewhat different, but the significance of both is the same. They are both to ease the pressure of old age, increase the security of old age, as well as conducive to the maintenance of state management, social stability