The company to pay social security to what

Next, I will give you an introduction to the company to pay social security and personal payment of social security are what are different. First of all, the type of insurance to be paid is different. We all know that the unit for us to pay the insurance includes five insurance and one gold: pension insurance, unemployment insurance, medical insurance, industrial injury insurance and maternity insurance, and housing fund.

The only two types of social insurance paid by individuals are pension insurance and medical insurance. According to the regulations, people who are flexibly employed and voluntarily participate in basic medical insurance and basic medical insurance in their personal capacity are not included in the scope of people who participate in unemployment, work injury and maternity insurance.

And, the unit for the workers to pay social security is mandatory, the Chinese people *** and the State Labor Law, Article 72 provides: social insurance fund according to the type of insurance to determine the source of funds, and the gradual implementation of social integration. Employers and workers must participate in social insurance and pay social insurance premiums in accordance with the law.

Additionally, the percentage of contribution is different. Let's take a look at the unit contribution first.

Total five insurance and one gold = social security contribution base × (proportion of pension insurance + proportion of medical insurance + proportion of unemployment insurance + proportion of provident fund) + 3

Of these, pension, medical and unemployment insurance are paid by the individual and the enterprise respectively, and the enterprise generally accounts for the big part of the total (the proportion of contribution varies across the country), for example:

1. Pension insurance premiums: the unit pays 20% for pension insurance and 8% for individuals

2. Unemployment insurance premiums: 2% for units and 1% for individuals

3. Medical insurance premiums: 8% for units and 2% for individuals

Workers' compensation insurance and maternity insurance do not need to be paid by individuals, and are all paid for by enterprises. But if you pay social insurance premiums as an individual, you will have to bear the entire burden.

The different types and ratios of contributions will make a difference when calculating retirement benefits. According to the fast legal affairs, first of all, female participants in the retirement pension age is different: female cadres 55 years old, female workers 50 years old; individual 55 years old. There is no difference in the age of retirement pension for male participants, it is 60 years old for all of them.

At the same time, there are three insurance benefits for unemployment, work-related injuries and maternity in the unit; there are none for the individual. The unit's medical insurance card has a certain amount of medical expenses into the account every month; the individual's does not have medical expenses into the account. Therefore, to summarize, it is more cost-effective to pay for the social security of the unit.

Let's take a look at the receipt of pension insurance. Individuals who participate in the basic pension insurance will receive the basic pension insurance on a monthly basis if they have accumulated fifteen years of contributions by the time they reach the legal retirement age. If the accumulated contributions are less than fifteen years when you reach the legal retirement age, you can contribute until you reach the full fifteen years, and then you will receive the basic pension on a monthly basis.

If an individual who has joined the basic pension insurance dies due to illness or not due to work, his/her will can receive funeral subsidy and pension; if he/she becomes totally disabled due to illness or not due to work when he/she has not yet reached the statutory retirement age, he/she can receive invalidity allowance.

If you quit your job and can't continue to pay social security, but because of the need to buy a house or a car, etc., you need to keep paying social security, the first method you can refer to is to find an agent to help you pay.

The advantage of this method is that all five kinds of social insurance can be renewed, which is equivalent to your employment in this company, although the agency can help you to do, but all the money is needed to pay for themselves, including personal payable as well as the unit to pay for you.

The agency can not give you free effect for you to handle the insurance, you also need to pay a certain fee to the agency, because just to ensure that the social security payment is not interrupted, usually, this contribution is in accordance with the lowest gear to pay social security, can pay less to pay some. We also want to remind you to look for the agency must be careful of those irregular companies or fraudulent companies, to avoid being deceived.

Relative to the employee social security, there is another concept is the residents of social security, urban residents of social pension insurance is to cover the urban household registration of non-employed people pension insurance system. In other words, residents' social security is mainly for children, the elderly, jobless residents or freelancers. If you are in the city, the residents' social security is known as urban residents' social security; if you are in the countryside, the residents' social security is our common new rural cooperative.

We've already described above that residents can only pay for two kinds of social security, namely old age pension and medical care, and can't pay for work-related injuries, unemployment or maternity. Most cities pay yearly contributions, not mandatory contributions are voluntary, and compared to the employee social security, the premiums paid are relatively low, and the enjoyment of the treatment will also be lower.

In addition, in addition to individual contributions, the government will also give subsidies to the residents of the social security system, the more individual contributions, the more government subsidies, and individual contributions and government subsidies are all credited to the personal accounts of the participants. The pension is made up of two parts: the individual account pension and the basic pension, the level of which is determined by the amount stored in the account, i.e. the total amount of individual contributions and government subsidies; and the basic pension, which is paid in full by the government.

Finally, or to remind you, if you want to know more about the residents of the social security situation, it is recommended that you consult your local social security bureau, after all, the policy of different places is still different, to the local policy regulations prevail.

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