The difference between institutional social security and enterprise social security

Social security within the system usually refers to the social security that national civil servants and public institutions participate in, while enterprise social security refers to the social security that enterprises pay for employees.

First, the payment subject is different.

The main body of social security payment in the system is the state or relevant government departments, while the main body of social security payment in enterprises is all kinds of enterprise units. This difference leads to the difference in management and operation between the two social security systems.

Second, the payment standard and proportion difference

The payment standard of social security in the system is usually formulated in accordance with the provisions of the state or region, and its payment ratio is relatively stable. However, the payment standard of enterprise social security may be different due to factors such as enterprise scale and operating conditions, and the payment ratio may also fluctuate. This difference makes the payment burden of the two kinds of social security different.

Third, the scope of protection is different

Institutional social security usually includes endowment insurance, medical insurance, unemployment insurance, work injury insurance and maternity insurance, and the coverage is relatively wide. Enterprise social security may only include some types of insurance, and the specific coverage may be different due to the choice of enterprises.

Fourth, enjoy differential treatment.

Due to the differences in payment standards and coverage between social security within the system and enterprise social security, there are also differences in enjoying treatment. For example, the pension level of social security in the system may be relatively high, while the pension level of enterprise social security may be different due to the payment of enterprises.

To sum up:

There are obvious differences between social security within the system and enterprise social security in terms of payment subject, payment standard, scope of protection and enjoyment of treatment. These differences make the two kinds of social security have their own characteristics in management and operation, and also reflect the different needs of different groups for social security.

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.

People's Republic of China (PRC) civil servant law

Article 88 provides that:

The state establishes a civil servant insurance system to ensure that civil servants receive help and compensation in cases of retirement, illness, work injury, maternity and unemployment.