One, the difference in the scope of participation
Rural social security, the age of 16 years old (excluding school students), rural residents who have not participated in the basic pension insurance for urban workers, can voluntarily participate in the new rural insurance in the place of domicile.
Employee social security, all employees of the company.
Second, the insurance program is different
Rural social security, there are two parts of rural pension insurance and rural medical insurance.
Employee social security, pension insurance, medical insurance, industrial injury insurance, maternity insurance, (unemployment insurance, provident fund).
Three, the contribution standard is different
The new rural insurance fund consists of individual contributions, collective subsidies, government subsidies. In terms of individual contributions, rural residents participating in the new rural insurance should pay the required pension insurance premiums. The contribution standard is set at 100 yuan, 200 yuan, 300 yuan, 400 yuan, 500-1200 yuan per year, 12 grades, the localities can set up additional contribution grades according to the actual situation. Participants independently choose the level of contribution, and the more they pay, the more they get. The State adjusts the contribution levels in due course, based on the growth in the per capita net income of rural residents. In the collective subsidies, the conditions of the village should be subsidized by the collective contributions to the participants, the subsidy standard by the villagers' committee to convene a meeting of the villagers to determine democratically. Encourage other economic organizations, social welfare organizations, individuals to provide financial support for the contributions of participants.
Four, social insurance refers to the period of employment by the unit to the insurance, urban households reach the legal retirement age, you can enjoy pension treatment. The rural insurance is also known as urban and rural pension insurance (new rural insurance) only rural hukou and is the landless peasant, after the village, township and the new rural insurance office audit before you can participate in the insurance, after reaching the legal retirement age to receive the pension treatment of the new rural insurance, and the town of socialization is different, and the pension is not the same.
Fifth, the company bought social security belongs to social insurance, rural social security belongs to the new rural insurance. Company social security to receive a relatively large number of pensions, while rural social security to receive a relatively small number of pensions.
Expanded Information:
At the same time, the insured person can only receive a monthly basic pension and funeral subsidies from the month following the approval of the administrative department of labor security if he or she meets the following two conditions, i.e., he or she has already completed the relevant formalities to meet the retirement requirements stipulated by the state; and if he or she has contributed to the basic pension insurance premiums for a cumulative total of 15 years, he or she can receive the basic pension and funeral subsidies from the month following the approval of the administrative department of labor security.
Rural old-age insurance refers to the old-age insurance system for non-urban residents in rural areas. The basic principles of rural old-age insurance are: the level of protection is commensurate with the development of rural productive forces and the affordability of all parties; old-age insurance and family support, land security and social assistance and other forms of combination; the rights and obligations of the relative equality; efficiency is given priority to take into account the fairness of; self-protection is given priority to, the collective (including township and village enterprises, institutions) transfer is supplemented by the state to give policy support; the combination of the government organization and the farmers voluntarily.
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