What is the difference between personal social security and unit social security?

Legal analysis: 1, the types of insurance paid are different.

Social security includes medical insurance, endowment insurance, unemployment insurance, industrial injury insurance and maternity insurance, and the social security paid by the unit will generally be included in five types of insurance; Individuals who pay social security can only pay medical insurance and endowment insurance. So it is obvious that the insurance coverage paid by the unit is more comprehensive.

2. The individual contribution ratio is different.

First of all, when it comes to individual social security contributions, generally speaking, the proportion of individual social security contributions varies from place to place according to different payment bases. The contribution ratio of endowment insurance is generally 18% to 28%, and medical insurance is generally paid according to 6% to 10% of the local average monthly salary in the previous year. Therefore, how much social security individuals pay depends on the overall local economic level.

The unit pays social security, and the unit bears a large proportion, of which the pension insurance unit pays 20% and the individual bears 8%; Medical insurance units pay 8%, and individuals bear 2%; The unemployment insurance unit pays 2%, and the individual bears 1%. Work injury insurance and maternity insurance are paid in full by the unit.

Therefore, the economic pressure on individuals to pay social security is still relatively large, and it is much more cost-effective for units to pay social security.

3. Enjoy different benefits.

Obviously, the individual social security payment does not include unemployment, work injury and maternity, so there is no way to enjoy the three insurance benefits.

In addition, the retirement age of units that pay social security is 60 for men and 55 for women. The retirement age of individuals who pay social security is calculated according to the age of 60 for men and 55 for women.

In other words, for some women, the social security paid by the unit can enjoy the pension treatment five years earlier than that paid by the individual.

4. The social security payment place is different.

Individuals can only pay social security at the place where they are registered, and participate in urban and rural residents' insurance or the new rural cooperative medical system; There is no such restriction on the payment of social security by the unit, which has nothing to do with the employee's household registration. Whether employees are local or not, they can pay social security locally. Moreover, the payment of social security can be divided into several grades, whether it is unit payment or individual payment. The higher the payment level, the higher the treatment you will enjoy in the future, especially the old-age insurance. Due to the different payment grades, there will be great differences in pensions between individuals in the future. However, if individuals pay and choose a higher payment grade, the economic pressure they bear is undoubtedly very great.

Legal basis: Article 4 of People's Republic of China (PRC) Social Insurance Law. 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 records, and require 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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The above answer is only for the current information combined with my understanding of the law, please refer carefully!

If you still have questions about this issue, I suggest you sort out relevant information and communicate with professionals in detail.