The difference between social security unit payment and individual payment

First, the difference between social security unit payment and individual payment is as follows:

1, payment types are different: companies usually pay social security for endowment insurance, medical insurance, maternity insurance, industrial injury insurance and unemployment insurance, while personal social security payment is usually paid as flexible employees, including only endowment insurance and medical insurance.

2. The amount of payment is different: the company pays social security, that is, the company and the individual bear part of the social security expenses respectively. Individuals who pay social security will continue to be responsible for all social security expenses.

3. Different payment bases: the company pays according to the monthly average of employees' salary income in the previous year, and individuals can choose to pay their own fees ranging from 60% to 300%. The larger the contribution base, the more pensions they receive.

4. Different payment methods: companies usually only need employees to hand over personal information to personnel to pay fees in the Social Security Bureau. If you are an individual, you need to prepare your own information to pay the social security bureau.

5. The nature of ownership is different: the company's social security needs to be paid by the state. If you don't pay, you will face resignation and personal social security will be paid voluntarily.

6. The payment ratio is different: the unit pays social security, the employee pension insurance unit pays 16%, the individual pays 8%, the flexible employees pay social security and the pension insurance pays 20%.

7. Different retirement ages: the unit pays social security, men retire at 60, female employees retire at 50, flexible employment men retire at 60, and flexible employment women retire at 55.

Second, why should I pay social security?

First of all, whether individuals pay or units pay, why do most people still care very much about whether to pay social security? The reason is very simple, that is, to provide yourself with basic protection. Social security is actually a social security system established by the state to protect the interests of the broad masses of the people, which can effectively protect citizens' right to get material help from the state and society according to law under corresponding circumstances.

Social security itself includes pension, medical care, unemployment, work injury and maternity insurance, which are also closely related to everyone's life and vital interests. Therefore, most people attach great importance to purchasing social security in case of emergency.

In addition, buying social security is closely related to buying a house, buying a car, settling down, and sending children to school. Especially for people who work and live in different places, the continuous payment record of social security is often used to compare with another personal "ID card" to judge whether they are "qualified" to do something.

There are also many ways to buy social security. Individuals can buy independently or at work, and individuals can choose the appropriate purchase method according to their actual situation. But now there are some "social security payment" institutions in the market, and their business is very hot. Many flexible employees will choose to buy this service.

Third, the benefits of social security paid by the unit.

From the scope and treatment of insurance, the social security paid by the unit is indeed more cost-effective. However, if the problem of individual retirement is considered, if the amount of old-age insurance is the same, there is no difference between the two ways of paying social security, and the amount of retirement pension that an individual can finally receive.

There are still many advantages to paying insurance through the unit. Compared with individuals, enterprises as a whole accept new information much faster and have much sharper insight into new information. It can ensure that employees can accept the new government policies in time and will not suffer losses in paying social security.

In addition, the payment of social security by the unit is a continuous and overall behavior, and it will not be forgotten for "personal reasons". It can effectively prevent employees' personal social security from being broken, resulting in related protection being affected.

Sometimes it is helpless to pay social security as an individual. Needless to say, flexible employees have no affiliated units, and many office workers want to leave their jobs, but they don't want to cut off social security. Paying social security in the name of an individual is the best choice for the "empty window period".

It is worth noting that social security can also be paid back, but it can only be sustained if it is paid back within three months. If the social security is suspended for more than three months, even if it continues to be paid in the future, there will be a buffer period of several months, and the previous security benefits will have to be paid for several months before they can be restored.

So what benefits will a unit bring to its employees by paying social security? In fact, the biggest benefit to the unit is that it can avoid risks for the unit and also reflects the social responsibility of the unit. After all, the unit does not continue to purchase social security for employees normally, and employees have the right to apply for labor arbitration.

Not to mention damaging the reputation of the unit, it is easy to lose people's hearts and reduce the motivation of employees to continue to earn benefits for the enterprise. Moreover, "you can hide from the first day, but you can't hide from the fifteenth." If the employer fails to purchase social security for employees according to law, it will have to pay the corresponding social security benefits and late fees after being discovered by the labor department, which is really "not worth the candle".

Whether individuals pay social security or units pay social security is actually not the most important. It is important to pay social security persistently in order to truly protect individual interests. The original intention of the country to implement the social security system is to protect the basic rights and interests of most people, so that ordinary people can also protect themselves in the most economical and affordable way.

legal ground

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

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 60 The employing unit shall declare on its own and pay social insurance premiums in full and on time. Except for legal reasons such as force majeure, the payment shall not be postponed or reduced. The social insurance premiums that employees should pay shall be withheld and remitted by the employer, and the employer shall inform me of the details of paying social insurance premiums on a monthly basis.

Individual industrial and commercial households without employees, part-time employees who have not participated in social insurance in the employing units and other flexible employees can pay social insurance premiums directly to the social insurance premium collection agencies.