The difference between deep family pension and non-deep family pension

The difference between deep households and non-deep households is mainly reflected in the social security payment method and welfare treatment, as follows:

First, the payment methods are different.

1. Shenzhen hukou can be handled by companies or individuals; Non-Shenzhen hukou can only be company social security. If you are a freelancer and don't have a Shenzhen hukou, then you basically have no social security in Shenzhen.

2. Shenzhen hukou can pay enough social security for 15 years at a time. If you are registered in Shenzhen, even if you don't pay enough 15 social security, you can have enough 15 sex at one time before retirement. If it is not a deep account, it will take 10 years to apply for deferred payment; If the payment is not enough 10 years, then the social security will be transferred back to the place where the account is located for renewal.

3. Shenzhen hukou must pay social security. According to the current social security and medical insurance policy, if you are registered in Shenzhen, you must pay a social security for you whether the unit is willing or not. Instead of Shenzhen hukou, the unit can pay the first, second or third file. In order to save money, most companies basically buy second-class or third-class social security for non-deep employees.

Second, the welfare benefits are different.

1. The proportion of medical insurance reimbursement for registered permanent residence in Shenzhen is high. It is also a medical insurance reimbursement, and Shenzhen hukou is much better than non-deep households. Outpatients with Shenzhen hukou can enjoy a high proportion of reimbursement of 95% or 90%, and non-Shenzhen households can only reimburse 75%-85%.

2. Shenzhen hukou pension reimbursement treatment is higher. For employees with Shenzhen hukou, the pension reimbursement rate paid by the unit is 14%, and that of non-registered units is 13%. Although the difference is only 1%, in the long run, it may be a difference of several hundred yuan per month.

3. Children with registered permanent residence in Shenzhen have great medical insurance benefits. Newborns with Shenzhen hukou can apply for children's medical insurance at birth; Children who are not deeply rooted can only apply for children's medical insurance in Shenzhen if they enter the park or enter school. Without a Shenzhen hukou, entering the park or going to school is a big problem.

4. Shenzhen hukou has greater unemployment protection. If Shenzhen registered residents are unemployed, they can get unemployment benefits of 1980 yuan every month. If you apply for unemployment certificate at the same time, you can also enjoy free driving lessons, free driving tests, reimbursement of 2000 yuan training fees and other additional benefits. These are not comparable to Shenzhen hukou.

legal ground

Detailed Rules for the Implementation of the Regulations of Shenzhen Special Economic Zone on Social Endowment Insurance

Article 4 If the insured repeatedly participates in social endowment insurance in two or more overall planning areas, he shall go through the formalities of repaying in accordance with the relevant provisions of the state; If you choose to repay the repeated payment in this city, part of the principal and interest paid by the individual will be returned to me, and the rest will be included in the basic old-age insurance fund of this city.

If the insured repeatedly participates in the basic old-age insurance for employees in this city, he chooses to keep the old-age insurance relationship, and the other repeated payment parts will be retired, in which the principal and interest of the individual payment part will be returned to him, and the rest will be included in the basic old-age insurance pooling fund. The paid local supplementary endowment insurance premium will not be paid back.

Fifth in the city to enjoy the monthly pension insurance benefits have received the monthly pension insurance benefits outside the city, stop enjoying the pension insurance benefits in this city; The old-age insurance benefits that have been enjoyed in this Municipality shall be recovered by the municipal social insurance agency (hereinafter referred to as the municipal social security agency); City social security agencies to recover the corresponding treatment, repaying the old-age insurance premiums paid in this city, in which the individual payment principal and interest are returned to me, and the rest are included in the basic old-age insurance pooling fund, and the paid local supplementary old-age insurance premiums are no longer repaid.

After enjoying the old-age insurance benefits in this city, if you receive the old-age insurance benefits on a monthly basis outside this city, the municipal social security agency will stop issuing its old-age insurance benefits; I can apply to resume enjoying the old-age insurance benefits in this city after providing relevant supporting materials for terminating the old-age insurance benefits outside the city. After verification by the municipal social security agency, the old-age insurance benefits will be restored from the month after the social security agency outside the city stops issuing.