What's the difference between urban social security and employee social security?

Legal analysis: 0 1 Different basic concepts.

Company social security refers to the basic insurance that employers participate in for employees according to regulations. That is to say, we usually call the company five insurances and one gold, and the company social security is compulsory.

Social security for flexible employees refers to a social insurance system that does not participate in company social security and no social security personnel participate. Not mandatory, individuals pay voluntarily, but they must have local household registration. Among them, the payment mainly includes medical insurance and pension.

02 different payment entities

The social security of the company is paid by the employer and employees in a certain proportion, and both parties share it. For example, Suzhou Park: the unit bears 20% of the payment base, the individual bears 10.5% of the payment base, and the unit and the individual bear half of the housing.

Social security for flexible employees is paid by residents themselves. Does not involve any unit.

03 different security objects

The object of enterprise social insurance protection is enterprise employees;

The object of social security for flexible employees is urban and rural residents.

04 different payment standards

Take Suzhou as an example: the monthly payment base of social security basic old-age insurance for urban flexible employees is 2,300 yuan, and it is determined to be 18, with the highest18,200 yuan. According to the payment ratio of 20%, the minimum monthly payment for basic old-age insurance is 460 yuan and the maximum is 3640 yuan.

Enjoy different treatment

Needless to say, after retirement, the company's social security pension is much higher than that of flexible employees. First of all, look at the company's pension, the annual increase is incomparable to the pension of flexible employees. From 20 18 to 1, the pensions of retirees in enterprises, institutions and institutions in Jiangsu are raised by about 6.5%, which also means that the pensions of retirees in enterprises will achieve "twelve consecutive increases".

Legal basis: People's Republic of China (PRC) Social Insurance Law.

Article 1 This Law is formulated in accordance with the Constitution for the purpose of adjusting the social insurance relationship, safeguarding citizens' legitimate rights and interests in participating in social insurance and enjoying social insurance benefits, enabling citizens to enjoy the fruits of development and promoting social harmony and stability.

Article 2 The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to receive material assistance from the state and society in accordance with the law in case of old age, illness, industrial injury, unemployment and maternity.

Article 3 The social insurance system adheres to the principles of wide coverage, basic protection, multi-level and sustainability, and the level of social insurance should be compatible with the level of economic and social development.

Article 4 Employers and individuals who pay social insurance premiums according to law in People's Republic of China (PRC) have the right to inquire about payment records and personal rights and interests records, and ask social insurance agencies to provide social insurance consultation and other related services.

Individuals enjoy social insurance benefits according to law and have the right to supervise the payment of their own units.