Is the social security paid by the company a personal account?

Social insurance premiums paid by enterprises are not personal accounts. Social security payment methods are divided into individual payment and unit payment. Usually, when paying social security funds in the name of individuals, it can only be two parts of social security: pension and medical insurance.

The insurance items are as follows:

1, you can apply for social security, pension and medical care as a freelancer;

2. Insurance conditions: urban hukou or rural hukou;

3. Handling location: local community street social security service points or district and county social security bureaus and labor security bureaus;

4. How do individuals pay the basic information needed in social security issues: household registration book, ID card and its copy, and two 1 inch photos;

5. Payment standard: based on the local social wage in the previous year, the proportion of pension payment is 20%, and that of medical care is about 9%. At present, 80% and 100% are still available.

Individual social security policies are as follows:

1. The payment base for urban individual industrial and commercial households and flexible employees to participate in the basic old-age insurance is the average salary of local employees in the previous year, and the payment ratio is 20%, of which 8% is credited to personal accounts. After retirement, the basic pension shall be calculated and paid according to the method of calculating and paying the basic pension for enterprise employees;

2, medical insurance, freelancers, self-employed insured, you can choose to establish a pool fund, not to establish a personal account, according to the local average monthly salary of 4.2% to pay the basic medical insurance premium; You can also choose to pay 8% of the local average monthly salary in the previous year and establish a personal account. Employees participating in medical insurance, 6% units and 2% individuals;

3. After completing the old-age insurance procedures, pay medical insurance at the local medical insurance center with the old-age insurance procedures and relevant documents;

4. Minimum payment period of endowment insurance 15 years, and minimum payment period of medical insurance is 25 years. And when you reach retirement age, you can apply for pension benefits and medical reimbursement concessions.

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 its 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.