What should I do if I pay both urban and rural social security and employee social security?

At the same time, urban and rural social security and employee social security are paid, and the storage amount of urban and rural social security personal accounts is all merged into employee pension insurance personal accounts, but it is not merged or converted into urban employee pension insurance payment period.

Residents' social security and urban workers' social security mainly have the following differences:

1. Different insured objects: the insured objects of urban and rural residents' social security are those who have no fixed work units and have not participated in employee social security; Social security for urban workers is aimed at employees who are employed within working age. If there is no fixed unit, you can also participate in employee social security as a flexible employee, but usually you can only participate in employee pension insurance and medical insurance.

2. Different types of insurance: social security for urban and rural residents includes endowment insurance for urban and rural residents and medical insurance for urban and rural residents; Social security for urban workers includes five types of insurance: employee pension insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance. Among them, the unit will pay five insurances for employees, while the flexible employees can only pay two insurances for their own insurance.

3. Different payment methods: social security for urban and rural residents is paid annually, and social security for urban workers is paid monthly;

4. Different payment standards: urban and rural residents' pension insurance payment is divided into multiple payment grades, generally ranging from several hundred to several thousand yuan a year. Different regions have different payment standards, and the insured can choose the payment grade that suits them according to their own situation. Residents' medical insurance is currently several hundred yuan a year, and local standards may be different; The social security payment standard for employees is determined according to the average monthly salary of employees in the previous year. The minimum payment base is 60% of the local average social wage in the previous year, and the maximum is 300%. Monthly payment amount = the sum of payment bases multiplied by the individual payment ratio of various types of insurance, and the individual payment ratio is relatively low, and most of the expenses are borne by the unit;

5. Different medical treatment: there is no personal account for residents' medical insurance, and the insured generally need to pay the residents' medical insurance fee for the next year from September to June (the specific time varies from place to place). There is no concept of retirement, and the treatment is lower than employee medical insurance. Employees have personal medical insurance accounts, and the payment period of medical insurance can be accumulated. After reaching a certain number of years, you can enjoy lifelong medical security benefits.

legal ground

People's Republic of China (PRC) social insurance law

Article 24 The state establishes and improves the new rural cooperative medical system. Measures for the administration of the new rural cooperative medical system shall be formulated by the State Council.