Agricultural insurance and social security belong to two different types of national social security system, the main difference lies in the different groups. Agricultural insurance is mainly for farmers, with less payment and less pension when they retire; social insurance is mainly for urban employees, with more payment and more pension when they retire. What is the difference between social endowment insurance and rural endowment insurance? What are the conditions for the payment of social endowment insurance?
The main differences between social endowment insurance and rural endowment insurance are as follows:
1、 It's the different guarantee objects.
The insured objects of basic endowment insurance (Social Security) for urban employees are mainly urban enterprises and their employees, urban flexible employees and individual industrial and commercial households (including those with rural Hukou); while the insured objects of social endowment insurance for urban and rural residents (the combination of urban residents and new rural social endowment insurance) are those who have reached the age of 16 (excluding students in school) and have not participated in other societies Urban and rural residents of endowment insurance.
2、 Different payment standards.
The basic endowment insurance (Social Security) for urban employees is paid according to a certain proportion and base of the average wage of the on-the-job employees of the city last year, and the payment is relatively high; while the individual payment standard for endowment insurance for urban and rural residents is currently set at 10 grades of 100-1000 yuan per year according to the national regulations. Voluntary choice of payment grade, lower payment.
3、 The financing structure is different.
The main financing Party of basic endowment insurance (Social Security) for urban employees is the employer, although the individual also pays, but the employer pays the main part; while the main contributor of social endowment insurance for urban and rural residents is the government, which gives the current basic pension for the elderly, and grants the payment for the middle-aged at the same time.
4、 The standard of treatment is different.
The basic endowment insurance (Social Security) treatment of urban employees is calculated and issued in accordance with the relevant provisions of the endowment insurance policy, and the treatment standard is relatively high; while the treatment level of the endowment insurance of urban and rural residents is relatively low, and the pension treatment consists of two parts: basic pension and individual account pension. At present, the basic pension standard is 55 yuan per person per month. For individual account pension, the monthly payment standard is the total amount of individual account savings divided by 139.
Extended data:
Conditions for payment of social endowment insurance:
Urban residents who have participated in the endowment insurance of urban residents, who have reached the age of 60, can receive a pension on a monthly basis.
When the endowment insurance system for urban residents is implemented, if they are over 60 years old and do not enjoy the basic endowment insurance treatment for employees and other endowment treatment stipulated by the state, they can get the basic pension on a monthly basis without paying fees; if they are less than 15 years old, they should pay fees on an annual basis, and they are also allowed to make up, with the cumulative payment not exceeding 15 years; if they are more than 15 years old, they should pay fees on an annual basis, with the cumulative payment not exceeding 15 years The payment shall not be less than 15 years.