What social security does the company pay?

The Difference between Personal Social Security Payment and Corporate Social Security Payment: Definition

Employee social security generally includes endowment insurance, medical insurance, work injury insurance, unemployment insurance and maternity insurance. The payment obligations of employee basic old-age insurance, employee basic medical insurance and unemployment insurance shall be jointly borne by the employer and the employee, and the payment obligations of work injury insurance and maternity insurance shall be borne by the employer.

Social security for flexible employees provides the most basic social security for flexible employees. Providing social security for flexible employees plays an important role in promoting the rational flow of labor and urbanization, and effectively protects the social security rights and interests of flexible employees, a special labor group.

The difference between personal social security and company social security: payment.

Proportion of employees' social security paid by the company:

Old-age insurance: the proportion of the basic old-age insurance premium paid by the employer generally does not exceed 20% of the total wages of the enterprise, and the individual employees pay 8% of their own wages.

Medical insurance: The employer's contribution ratio is controlled at about 6% of the total wages of employees, and the employee's contribution ratio is generally 2% of his salary income.

Unemployment insurance: From March 1 2005, the unemployment insurance rate will be temporarily reduced from 3% stipulated in the current regulations to 2%, and the specific contribution ratio of units and individuals will be determined by the people's governments of provinces, autonomous regions and municipalities directly under the Central Government.

Work-related injury insurance: Since June 65438+ 10/2065438, the current work-related injury insurance rate policy has been adjusted and improved to achieve the goal of "overall reduction". First, the lowest industry benchmark rate is lowered from 0.5% to 0.2%, and the highest industry benchmark rate is lowered from 2% to1.9%; Second, the policy average interest rate dropped from about 1% to about 0.75%, down by 0.25 percentage point, and the actual average interest rate dropped from about 0.9% to about 0.7%, down by 0.2 percentage point; Third, specific to different industries, due to the adoption of new standards for industry standards, compared with the original rate policy benchmark rate, 74 of the 86 comparable industries have lowered the benchmark rate standard, accounting for 86%.

Maternity insurance: From 20 15, 10 and 1, the rate of maternity insurance will be reduced from no more than 1% to no more than 0.5%.

Proportion of flexible employees who pay social security:

The payment base for flexible employees to participate in the basic old-age insurance is the average monthly salary of local employees in the previous year, and the payment ratio is 20%, of which 8% is included in personal accounts.

Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees in the employing unit and other flexible employees can participate in the basic medical insurance for employees on a voluntary basis, and their individuals pay the basic medical insurance premium.

Because work-related injury insurance and maternity insurance implement the employer responsibility system, employers pay unilaterally, and individuals do not pay, so flexible employees are not included in the coverage of work-related injury insurance and maternity insurance. In addition, most cities have not included unemployment insurance in the scope of social security contributions for flexible employees.

The difference between personal social security and company social security: treatment

What is the difference between social security for urban and rural residents and social security for urban workers? Social security for urban and rural residents is the social security paid by local people in their accounts and files, while social security for urban workers is the social security paid by local people or foreigners through their units.

Locals can choose to pay social security for urban and rural residents themselves or for urban workers through their units, while foreigners can only pay social security for urban workers through their units.

In Beijing, the social security for urban and rural residents that local people can pay by themselves only includes medical insurance, pension insurance and unemployment insurance, and the payment amount is only divided into three grades: high, medium and low. The social security for urban workers paid by locals or foreigners through the unit is five insurances, including medical care, pension, unemployment, work injury and maternity, and the payment amount can be between the upper limit and the lower limit.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.