Are social security and flexible employment the same as enterprises paying personal accounts?

Social security flexible employment and enterprises paying personal accounts are not exactly the same in essence.

First, social security and flexible employment.

Social security flexible employment refers to individuals who participate in social insurance as freelancers or individual workers. In this case, the individual needs to bear all social security expenses and pay them according to the regulations of the local social security department. Because individuals participate in insurance, the proportion of payment and the treatment they enjoy are usually different from those of enterprise employees.

In social security flexible employment, individuals can choose to participate in different social insurance projects such as endowment insurance, medical insurance and unemployment insurance, and match them according to their actual situation and needs. At the same time, individuals can also choose different payment grades according to their own economic conditions to meet their own security needs.

Second, enterprises pay personal accounts.

Paying personal accounts by enterprises means that enterprises pay social insurance premiums for employees and transfer part of the expenses to employees' personal accounts. In this case, employees' social security expenses are shared by enterprises and individuals, and the specific proportion depends on local social security policies.

Social security items paid by enterprises to individual accounts usually include endowment insurance, medical insurance, industrial injury insurance and maternity insurance. In the process of payment, the enterprise will transfer the expenses to the employee's personal account according to the prescribed proportion, and when the employee retires or needs to enjoy the relevant treatment, he can withdraw the corresponding funds from the personal account.

Third, differences and comparisons.

There are differences between social security flexible employment and enterprises paying personal accounts in payment methods, payment ratios and treatment. Social security flexible employment requires individuals to bear all the expenses themselves, while enterprises and individuals jointly pay personal accounts. In the proportion of payment, because the payment grade of social security flexible employment is more flexible, individuals can choose according to their own economic situation; However, enterprises pay personal accounts according to local policies.

In terms of the treatment enjoyed, there are also differences between social security flexible employment and enterprises paying personal accounts. For example, in the aspect of endowment insurance, the pension benefits of social security flexible employees are usually related to the individual's payment grade and payment period; Enterprises pay personal accounts and determine pension benefits according to the accumulation of personal accounts.

To sum up:

There are differences between social security flexible employment and enterprises paying personal accounts in payment methods, payment ratios and treatment. When individuals choose insurance methods, they should weigh and choose according to their actual conditions and needs. At the same time, with the continuous improvement and adjustment of social insurance policies, individuals also need to pay attention to policy changes and adjust their enrollment strategies in time.

Legal basis:

People's Republic of China (PRC) social insurance law

Article 10 stipulates:

Employees should participate in basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, and employers and employees should jointly pay basic old-age insurance, basic medical insurance and unemployment insurance.

People's Republic of China (PRC) social insurance law

Article 58 provides that:

The employing unit shall, within 30 days from the date of employment, apply to the social insurance agency for social insurance registration for its employees. If the social insurance has not been registered, the social insurance agency shall verify the social insurance premium it should pay.