Is it better to pay social security or pay it yourself?

There is no one-time payment policy for individuals at present. Even if employees pay social security, it is not a one-time payment by individuals, but the social security expenses are all borne by individuals, that is, the proportion of pension insurance payment is 20%, and the proportion of medical insurance payment is 8%. The payment base is the average social wage of local employees in the previous year, which is divided into three payment grades: 300, 100 and 60%, and individuals can pay monthly. You can also pay it once a year, and the fee is still relatively high. The general social security fee is about 654.38+10,000 yuan per year. For people with average economic conditions, this is also a relatively large expenditure. This is what you call personal one-time payment.

The unit payment belongs to the on-the-job employees, and the on-the-job employees bear the social security expenses in proportion. For example, the total contribution rate of endowment insurance is 24%, of which the unit contribution is 16% and the individual contribution is 8%, and the unit contribution is exactly twice that of the individual contribution. The proportion of medical insurance payment is 8.5% (including maternity insurance), the unit payment is 6.5%, and the individual payment is 2%. Among them, 2% of individual contributions should be returned to their social security cards on a monthly basis. Therefore, the minimum concept for employees to pay medical insurance is that individuals hardly pay money, and some older people have to make money. This is because the minimum refund rate of social security card is 2%, and the elderly can refund you more than 3%, which is equivalent to returning part of the unit payment to the individual social security card.

Unit payment and individual payment, in fact, this is the concept of two different insured groups paying employee social insurance. Although they all pay social security for urban workers, their nature is still different. The unit payment must belong to on-the-job employees, which is the main force of employees' social security participation, and also accounts for the vast majority of employees' social security participation.

Legal basis: Article 2 of People's Republic of China (PRC) Social Insurance Law The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance. To ensure citizens' right to get material help from the state and society in accordance with the law in cases of old age, illness, work injury, unemployment and maternity.