What is the difference between paying social security by yourself and paying social security in the employer?

First, you can insure different types of insurance.

Individuals can participate in social security for urban workers and urban and rural residents. If you pay social security in the company, you can only participate in social security for urban workers.

1. To participate in social security for urban workers as an individual, some areas must participate in three types of insurance: endowment insurance, medical insurance and unemployment insurance at the same time, and some areas can choose some of these three types of insurance, depending on whether local policies bind these three types of insurance.

2 to participate in the social security of urban and rural residents as individuals, you can participate alone, or you can participate in the endowment insurance and medical insurance for urban and rural residents at the same time. Even if you attend at the same time, you should go through the formalities separately. Because these two kinds of insurance are completely independent.

3. Those who pay social security in the company can only participate in social security for urban workers. Social security for urban workers is divided into five types of insurance: endowment insurance, medical insurance, unemployment insurance, maternity insurance and industrial injury insurance. In some areas, five risks are bound and must be participated at the same time. In some areas, the five risks are not tied, so you can participate alone. Specific local policies shall prevail.

Second, the insured population is different.

1. Social security for urban employees is aimed at two kinds of people, one is the working-age population who has established labor relations with employers, and has nothing to do with local household registration, urban household registration and rural household registration. The other category is industrial and commercial workers, entrusted archivists, and flexible employees, mainly targeting the local working-age population without fixed units and stable income, and most areas are related to household registration. In other words, you can only participate if you have a local household registration.

2. Endowment insurance for urban and rural residents is mainly aimed at working-age people, especially the unemployed, who are not covered by urban endowment insurance among urban residents or rural residents with local household registration. Medical insurance for urban and rural residents is aimed at working-age people whose local household registration is not covered by medical insurance for urban workers, especially the unemployed, the elderly, children and students. These two kinds of insurance can't be participated without local household registration.

Third, the payment subject and payment standard are different.

1. The social security unit shall insure the urban workers: the social security expenses shall be jointly borne by the employer and the individual. The unit is the head of the university, and the individual is the head. It's compulsory insurance, and there is no subsidy. Each region has its own policy on the payment standard of five insurances, and the specific provisions are not uniform.

2. Insured persons for flexible employment of urban workers: All social security expenses are borne by individuals, and they are not compulsory to participate in insurance, and they can voluntarily participate in insurance and choose their own payment standards. There are local regulations on the payment standard of the three insurances. In many areas, flexible employees who meet the requirements of the 4050 policy can enjoy government social security subsidies. The forms and standards of subsidies depend on local policies.

3. Social insurance for urban and rural residents: You can voluntarily participate in the insurance, pay the annual fee, bear the expenses personally, and enjoy subsidies. The payment standard of endowment insurance for urban and rural residents can be selected in multiple files. The payment standard of urban and rural residents' medical insurance participants is fixed and cannot be chosen.

Four, the pension insurance retirement age is different.

1. Retirement age of endowment insurance for urban workers: it belongs to the category of normal retirement, and gay men are 60 years old. This woman worker is 50 years old. Female cadres are 55 years old, and female flexible employees are 50 or 55 years old, subject to local policies. Those who belong to a special type of work or are completely unable to work due to illness or non-public reasons can retire early. Gay men are 50 or 55 years old (depending on local policies) and lesbians are 45 years old.

2. Retirement age of endowment insurance for urban and rural residents: 60 years old, regardless of gender.

Five, the old-age insurance retirement pension plans and payment methods are different.

1, endowment insurance for urban workers

2. Pension for urban and rural residents

= basic pension+personal account pension

Basic pension = local regulations (is a fixed number, determined by local policies and allocated by the government. There is a big gap between local standards).

Personal account pension = personal account storage/pension payment months 139.

3. The similarities between the two types of old-age insurance are: pay more and get more, and pay more for a long time and get more.

4. Two-level pension benefits of old-age insurance: the pension benefits of urban workers are high, with an average of 2,636 yuan nationwide. The pension benefits for urban and rural residents are low, with the national average of 1.30 yuan.

Six, medical insurance reimbursement treatment is different.

The payment standards of medical insurance for urban workers and urban and rural residents are different, so the reimbursement treatment is also different. The medical insurance payment standard for urban workers is high and the treatment is high. The payment standard of medical insurance for urban and rural residents is relatively low, only 100-300 yuan every year, and the reimbursement treatment is not as good as employee medical insurance. Due to local regulations, the standards of deductible, upper limit and reimbursement ratio are different, and the specific data are difficult to describe. The medical insurance outpatient service for employees everywhere is generally not less than 70%, and the hospitalization is not less than 85%. Residents' medical insurance clinics are generally not less than 50%, and hospitalization is not less than 60%.