Honghe company registration: the difference between a company paying social security and paying social security by itself.

As we all know, for urban residents, if they have a job, the unit will pay social security on their behalf, and if they have no job, they can pay social security themselves. Then the problem is coming. What's the difference between paying social security by the company and paying social security by yourself? Let Mande Enterprise Service explain it to you today.

What is social insurance?

Social insurance refers to a social security system in which the state raises funds through various channels through legislation, and gives economic compensation to workers when their income decreases due to old age, unemployment, illness, work injury and maternity, so that they can enjoy basic living security. There are three kinds of social insurance, one is employee social security, the other is urban social security, and the third is the new rural cooperative medical system.

The difference between the unit paying social security and paying social security by itself.

Different qualifications

The premise for the company to pay you social security is that you have a normal job and an affiliated company, but there are no household registration restrictions. Can pay social security for local and off-site employees.

Individuals do not need to have a job to pay social security, but they generally need to have a local account. So if you work in a big city like Beijing, you have no job or hukou, but you want to pay social security, you have to find a friend's company or agency to pay it. Before serving in 360 Mande Enterprise, I asked a friend's company to pay for it, including pension, medical care and industrial injury insurance.

The nature of payment is different.

Companies are obliged to pay social insurance. As long as you work in the company, you must hand it in. It is illegal for some informal small companies not to pay social security to their employees, and they will be punished when they are found.

Personal social security is voluntary insurance. If you think social security is more important and you can afford the monthly payment, pay it yourself, otherwise you don't have to pay it.

Different types of insurance

When companies pay social security, they usually pay five insurances, namely, endowment insurance, medical insurance, work injury insurance, maternity insurance and unemployment insurance. Of course, five insurances are not necessary, but three insurances are necessary, so there are also cases where a company only pays three insurances.

There are two ways for individuals to pay social security.

One is that files are attached to the talent employment center and insured as urban workers.

One is to participate in insurance with flexible employees.

In fact, both of them belong to "social security for urban workers", and they all pay three insurances: endowment insurance, medical insurance and unemployment insurance. The difference is that the former is handled in the social security center where the household registration is located, and the expenses are paid by itself, while the latter is handled in the street where the household registration is located, and the files have to be transferred back to the street, and the state gives certain subsidies. Of course, the process is much more troublesome, and the first trial is once a year.

The subject and proportion of payment are different.

Units pay social security, which is jointly paid by units and individuals, and the proportion paid by units is much higher than that of individuals. For example, in Beijing, individuals pay 8% for old-age insurance, units pay 19%, individuals pay 2% for medical insurance and units pay 10%.

But if you pay social security yourself, the subject of payment is yourself, and the rate will be much higher. There are differences in different regions. The proportion of pension insurance payment is between18% and 28%, and the proportion of medical insurance payment is between 6% and10%, all of which are borne by individuals. Most importantly, only 40% of the old-age insurance is included in the personal account, and 60% is included in the social security pooling account. If you don't get it and die, you can only inherit the money in your personal account.

In short, it is much more cost-effective for companies to pay social security than for individuals.

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