How should Changzhou individuals pay social security?

What is the difference between personal social security and unit social security? First, the types of insurance are different. This is the most obvious difference between individual payment and unit payment. Individuals who pay social security can only participate in two kinds of insurance: endowment insurance and medical insurance; What the unit pays is employee social security, including five basic types of insurance: endowment insurance, medical insurance, work injury insurance, unemployment insurance and maternity insurance. It can be seen that the unit can provide more protection by paying social security. Second, the payment amount is different. Individuals pay social security, the general payment ratio is 20%, and then we must refer to the local average wage and the payment grade provided by the social security department. The lowest grade is 60%, and the highest grade is 300%. Units pay social security, and the proportion of payment is paid by companies and individuals. Endowment insurance is that the unit pays you 20% every month and you pay 8% yourself. Medical insurance is a serious illness plan that the company pays you 9% every month, and you pay 2% yourself, plus 10 yuan. Third, the insurance location is different. Those who pay their own social security can participate in urban and rural residents' insurance or the new rural insurance and the new rural cooperative medical system as flexible employees, but they must pay and retire at the place where they are registered; The social security paid by the unit must be paid in the place where the unit is located, which has nothing to do with the employee's household registration, but after retirement, the retirement formalities shall be handled according to the household registration policy. Fourth, pension benefits are different. The wages paid by employees in the unit are generally higher, while the social security paid by individuals is based on high school, high school and low grade, and the highest is only the average social wage, so the payment base is low, so the treatment is lower. However, the pension benefits in China have always been overpaid, and individuals who pay social security have to pay more if they want to get more pensions.

Legal objectivity:

Article 16 of the Social Insurance Law of People's Republic of China (PRC) * * * Individuals who participate in the basic old-age insurance will receive the basic old-age pension on a monthly basis if they have paid for fifteen years at the statutory retirement age. Individuals who participate in the basic old-age insurance and pay less than fifteen years when they reach the statutory retirement age can pay for fifteen years and receive the basic pension on a monthly basis; Can also be transferred to the new rural social endowment insurance or urban residents' social endowment insurance, enjoy the corresponding pension insurance benefits in accordance with the provisions of the State Council.