Wuhua District company registration: unit to pay social security and their own social security payment difference

We all know that for urban residents, if they have a job, they will be paid by the unit on behalf of the social security, and if they do not have a job, they can pay social security. So the question is, what is the difference between the unit paying social security and paying social security yourself? Let Mandel Enterprise Services explain it to you today.

What is social security?

Social insurance refers to a social security system in which the state, through legislation and multi-channel fund-raising, provides financial compensation to workers when their labor income is reduced due to old age, unemployment, illness, work injury or maternity, so that they can enjoy basic livelihood protection. There are three kinds of social insurance, one is the social security of employees, the second is the social security of urban residents, and the third is the new rural cooperative.

The difference between paying social security for a unit and paying it yourself

Different qualifications

The prerequisite for paying social security for a unit is that you have a regular job and a unit to which you are attached, but there is no restriction on the hukou, and you can pay the employee's social security, whether it be locally or in a different place.

Individuals do not need to have a job to pay for social security, but they generally have to ask for a local hukou. So if you're working in a big city like Beijing, you don't have a job or a hukou, but you want to pay your social security, you'll have to find a friend's company to rely on or find an agent to pay on your behalf. The company has been looking for a friend's company to pay on behalf of the company, including pension, medical care and work injury insurance.

The nature of the contribution is different

Unit payment of social security is mandatory, as long as you work in the unit, you have to pay, some irregular small companies do not pay social security for employees is a violation of the law, was found after the penalty is to be accepted.

Personal social security belongs to the voluntary enrollment, if you feel that social security is more important, and can afford the amount of monthly contributions, you can pay, and vice versa can not pay.

Different types of insurance

The unit to pay social security, the normal is to pay five insurance, namely, pension insurance, medical insurance, work injury insurance, maternity insurance, unemployment insurance, of course, five insurance is not necessary, but the pension, medical and work injury three types of insurance is necessary, so there are also units to pay only three insurance.

Personal payment of social security should be viewed in two cases,

One is the file attached to the talent employment center, according to the status of urban workers to participate in the insurance,

One is to participate in the insurance of flexible employment personnel.

Both of them are actually "urban workers' social security" and pay three kinds of insurance: pension insurance, medical insurance and unemployment insurance. The difference is that the former is handled by the social security center where the account is located, and the cost is paid by yourself, while the latter is handled by the street where the account is located, and the file should be transferred back to the street, and the state will give some subsidies, but of course, the process is much more troublesome, and it is necessary to be reviewed once a year.

Payment of the main body and the contribution rate is different

Unit payment of social security, is by the unit and the individual **** with the payment, and the unit to pay the proportion is much higher than the individual, for example, the Beijing area, the individual to pay 8% of the pension insurance unit to pay 19%, medical insurance individual to pay 2% of the unit to pay 10%.

But their own payment of social security, the main body of the payment is only their own, the rate will be much higher, there are differences in different regions, the proportion of contributions to the pension insurance between 18%-28%, the proportion of contributions to the medical insurance between 6%-10%, are individuals to bear. The most important thing is that only 40% of this pension insurance into the personal account, 60% to be transferred to the social security co-ordination account, if you do not receive the end of the person died, only the money in the personal account can be inherited.

In short, it is much more cost-effective to pay for social security than to pay for it individually.

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