Companies pay social security, and individuals pay social security.

Next, Bian Xiao will introduce you to the differences between companies and individuals who pay social security. First of all, the types of insurance that need to be paid are different. As we all know, the insurance paid by our company includes five insurances and one gold: old-age insurance, unemployment insurance, medical insurance, industrial injury insurance, maternity insurance, and housing accumulation fund.

Social insurance paid by individuals is only endowment insurance and medical insurance. According to the regulations, flexible employees voluntarily participate in basic medical insurance and basic medical insurance in their own names, and are not included in the scope of those who participate in unemployment, work injury and maternity insurance.

And it is mandatory for the unit to pay social security for employees. Article 72 of the Labor Law of People's Republic of China (PRC) stipulates that the social insurance fund shall determine the source of funds according to the types of insurance, and gradually implement social pooling. Employers and workers must participate in social insurance and pay social insurance premiums according to law.

In addition, the payment ratio is different. Let's take a look at the situation of unit payment first.

Total amount of five insurances and one gold = social security payment base × (pension insurance ratio+medical insurance ratio+unemployment insurance ratio+provident fund ratio) +3.

Among them, pension, medical care and unemployment insurance are paid by individuals and enterprises respectively, and general enterprises account for the bulk (the proportion of payment varies across the country), such as:

1. Endowment insurance premium: 20% paid by the unit and 8% paid by the individual.

2. Unemployment insurance premium: 2% paid by the unit and 1% paid by the individual.

3. Medical insurance premium: the unit pays 8% and the individual pays 2%.

Industrial injury insurance and maternity insurance do not need to be paid by individuals, but are all paid by enterprises. However, as an individual, paying social insurance premiums requires personal commitment.

Due to different types of insurance and proportions, there will be differences in calculating retirement benefits. According to the fast law, first, there are differences in the retirement age of female insured persons: female cadres in the unit are 55 years old and female employees are 50 years old; Everyone is 55 years old. The age at which the male insured retires to receive a pension is 60, regardless of the unit or individual.

At the same time, the unit has three insurance benefits: unemployment, work injury and maternity; Individuals do not have these three insurance benefits. The medical insurance card of the unit has a certain amount of medical expenses every month; Individuals have no medical expenses. So in summary, it is more cost-effective for the unit to pay social security.

Let's take a look at the collection of endowment insurance. Individuals who participate in the basic old-age insurance will receive the basic old-age insurance monthly after reaching the statutory retirement age and paying 15 years. If the accumulated payment is less than fifteen years when reaching the statutory retirement age, the payment can be made for fifteen years, and then the basic pension can be received monthly.

If an individual who participates in the basic old-age insurance dies due to illness or non-work, his will can receive funeral subsidies and pensions; Persons who have completely lost their ability to work due to illness or non-work-related disability before reaching the statutory retirement age can receive disability allowance.

If you resign, you can't continue to pay social security, but because you need to continue to pay social security, the first method you can refer to is to find an institution to help you pay.

The advantage of this method is that all five kinds of social insurance can be renewed, which is equivalent to your employment in this company. Although the organization can help you, you need to pay all the money yourself, including individuals and units.

It is impossible for an agency to provide you with insurance for free. You still need to pay a certain fee to the agency, because it is only to ensure that the social security payment will not be interrupted. Usually this kind of payment is made at the lowest level. Pay less if you can. I also want to remind you that when looking for an agency, you must be careful of those irregular companies or liar companies to avoid being deceived.

Compared with employees' social security, there is also a concept of residents' social security. Urban residents' social endowment insurance is an endowment insurance system covering non-employees with urban household registration. In other words, residents' social security is mainly aimed at children, the elderly, unemployed residents or freelancers. If you are in a city, social security for residents is called social security for urban residents; If you are in the countryside, social security for residents is our common new rural cooperative medical system.

As we mentioned above, there are only two ways to pay social security for residents, namely, pension and medical care, and work-related injuries, unemployment and maternity cannot be paid. Most cities pay an annual fee, and voluntary insurance is not compulsory. Moreover, compared with employee social security, the insurance premium paid is relatively low and the benefits enjoyed will be lower.

Besides individual contributions, the government will also subsidize residents' social security. The more individual contributions, the more government subsidies, and all individual contributions and government subsidies are included in the insured's personal account. Pension consists of personal account pension and basic pension, and the level of personal account pension is determined by the amount of account storage, that is, the total amount of individual contributions and government subsidies; The basic pension is paid in full by the government.

Finally, if you want to know more about residents' social security, I suggest you consult the local social security bureau. After all, there are still differences in local policies, and the local policies and regulations shall prevail.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.