With the rapidly process of modernization, China’s rural intergeneration separation becomes more and more significant, the traditional family-based rural old-age pension has been unable to cope with these risks alone, and the rural pension crisis appears. In view of this, the promotion of the national urban and rural old-age insurance provides a stable financial support for rural old-age care and sets up rural old-age insurance system with modern significance but further weakens rural household-elderly-care. The field-survey on M-village of Xinjiang reveals that the old-age insurance in rural areas shows certain non-adaptability, among which the household old-age-care in the Uygur stile plays important role. While society old-age-care can not play its security role, household-old-age care, an informal system, should be emphasized. China should not only realize the overall-covering of social old-age-care system and gradually improve its insurance level, but also reconstruct household old-age-care system based on the reality of certain inter-generation separation in order to make household old-age-care and society old-age-care become two pillars of rural old-age-care insurance system.