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Difference between Social Security of Individual Industrial and Commercial Households and Social Security of Units
Self-employed individuals have to pay social security as long as they pay endowment insurance and medical insurance.
The company needs to pay five items for employees: endowment insurance, medical insurance, unemployment insurance, work injury insurance and maternity insurance.
2. The payment base is different.
The social security payment base paid by the unit is: the average salary of employees in the previous year (300% of the monthly high social security, 300% paid; If it is lower than 60% of the social level, it will be paid at 60%). That is to say, it is linked to the average salary of employees themselves.
The payment base for individuals to pay social security is fixed at high, medium and low levels for individuals to choose from, and the payment base of the three levels is between 60% and 300% of the social security level.
3. The payment ratio is different.
Old-age insurance: the proportion of the basic old-age insurance premium paid by the employer generally does not exceed 20% of the total wages of the enterprise, and the individual employees pay 8% of their own wages.
Medical insurance: The employer's contribution ratio is controlled at about 6% of the total wages of employees, and the employee's contribution ratio is generally 2% of his salary income.
Unemployment insurance: From March 1 2005, the unemployment insurance rate will be temporarily reduced from 3% stipulated in the current regulations to 2%, and the specific contribution ratio of units and individuals will be determined by the people's governments of provinces, autonomous regions and municipalities directly under the Central Government.
Legal basis: Article 4 of the Social Insurance Law of People's Republic of China (PRC) * * * Employers and individuals in People's Republic of China (PRC) pay social insurance premiums according to law, and 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.
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