What is the difference between the social security paid by the unit and the social security paid by the individual?

Social insurance refers to a social and economic system that provides income or compensation for people who lose their ability to work, are temporarily unemployed or suffer losses due to health reasons.

The difference between individual paying social security and unit paying social security;

1, different in nature: companies are forced to pay social security. If there is a legal labor relationship, but the company fails to pay social security for urban workers as required, it is illegal. However, if flexible employees pay social security by themselves, it is not mandatory, and the insured can voluntarily choose whether to pay social security.

2. Different types of insurance: the social security for urban employees paid by the unit includes five types of insurance: endowment insurance, medical insurance, work injury insurance, maternity insurance and unemployment insurance; However, as flexible employees to pay social security for urban workers, they can usually only pay two types of insurance: employee pension insurance and employee medical insurance, and a few areas can also pay unemployment insurance.

3. Different contribution rates: Whether it is employee pension insurance or medical insurance, the individual contribution rate of flexible employees is relatively high. Take the employee pension insurance as an example, the unit pays social security, and the contribution ratio of the employee pension insurance unit is 16% of the payment base, and the individual contribution ratio of the employee is 8%, which means that the unit will bear most of the expenses, and the individual employee only needs to bear a small part; Flexible employees pay their own social security and need to bear all the expenses themselves. The contribution ratio of employee pension insurance is usually 20%, and the contribution ratio will be slightly higher in some areas, of which 12% will go into the pension insurance pooling account and 8% will go into the personal account.

4. Social security payment places are 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.

5. The retirement age of old-age insurance is different: according to the current regulations, units pay social security, men retire at the age of 60, female workers retire at the age of 50, and female cadres retire at the age of 55; Self-paid social security, flexible employment men retire at the age of 60, flexible employment women retire at the age of 55, some cases allow flexible employment women to retire at the age of 50, and a few regions uniformly stipulate that flexible employment women retire at the age of 50, which is subject to local policies.

Legal basis:

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

Article 12 The employing unit shall pay the basic old-age insurance premium according to the proportion of the total wages of employees stipulated by the state and record it in the basic old-age insurance pooling fund. Employees shall pay the basic old-age insurance premium in accordance with the proportion of wages stipulated by the state and record it in their personal accounts. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employing unit and other flexible employees who have participated in the basic old-age insurance shall pay the basic old-age insurance premiums in accordance with state regulations and record them in the basic old-age insurance pooling fund and individual accounts respectively.

Article 58 An employing unit shall, within 30 days from the date of employment, apply to the social insurance agency for social insurance registration for its employees. If the social insurance has not been registered, the social insurance agency shall verify the social insurance premium it should pay. Employees-free individual industrial and commercial households who voluntarily participate in social insurance, part-time employees who do not participate in social insurance in the employing unit and other flexible employees shall apply to the social insurance agency for social insurance registration. The state establishes a national unified personal social security number. Personal social security number is a citizen's identity number.

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.

Article 62 If the employer fails to declare the amount of social insurance premiums that should be paid according to the regulations, the amount that should be paid shall be determined according to 1 10% of the amount paid by the employer last month; After the payment unit completes the declaration procedures, the social insurance fee collection agency shall make settlement in accordance with the provisions.

Article 64 Social insurance funds include basic old-age insurance funds, basic medical insurance funds, industrial injury insurance funds, unemployment insurance funds and maternity insurance funds. In addition to the basic medical insurance fund and maternity insurance fund combined accounting, other social insurance funds are accounted for separately according to social insurance types. Social insurance funds implement a unified accounting system throughout the country. The social insurance fund is earmarked for special purposes, and no organization or individual may occupy or misappropriate it. The basic old-age insurance fund will gradually implement national overall planning, and other social insurance funds will gradually implement provincial overall planning. The specific time and steps shall be stipulated by the State Council.