What's the difference between going to social security by yourself and going to the company?

The difference between individuals buying social security and companies buying social security lies in:

1, and the coverage of the two methods is different. The main target group of employee social security is employees who have jobs in cities, that is, workers. Social security for residents is mainly aimed at children, the elderly, the unemployed and freelancers. It is obvious that the two types of insured are completely different.

2. The amount of payment is different: the company pays social security, that is, the company and the individual bear part of the social security expenses respectively. Individuals who pay social security will continue to be responsible for all social security expenses.

3. Different types: companies usually pay social security for old-age insurance, medical insurance, maternity insurance, industrial injury insurance and unemployment insurance, and personal social security is usually paid as flexible employees, including only old-age insurance and medical insurance.

4. The observation period of the two methods is different. Residents pay social security for an observation period. Generally, the time is about three months or half a year, and the time may be different in different regions. Take medical insurance as an example. If someone is sick and pays medical insurance, it is actually a kind of damage to medical insurance.

5. Different payment bases: the company pays according to the monthly average of employees' salary income in the previous year, and individuals can choose to pay their own fees ranging from 60% to 300%. The larger the contribution base, the more pensions they receive.

6. Different payment methods: When a company pays social security, it generally only needs employees to hand over their personal information to the personnel to go to the Social Security Bureau. If it is an individual, you need to prepare your own information to pay the social security bureau.

7. Different in nature: the social security of the company needs to be paid by the state. If you don't pay, you will face resignation and personal social security will be paid voluntarily.

8. The payment ratio is different: the unit pays social security, the employee pension insurance unit pays 16%, the individual pays 8%, the flexible employees pay social security and the pension insurance pays 20%.

9. Retirement ages are different: one person pays social security, men retire at 60, female employees retire at 50, flexible employment men retire at 60, and flexible employment women retire at 55.

The specific process of individual social security payment is as follows:

1. Individuals can pay social insurance as freelancers. Social insurance here includes two aspects, namely endowment insurance and medical insurance. The condition of participating in insurance is that an individual has an urban hukou or a rural hukou. As long as these two conditions are met, individual endowment insurance and medical insurance can be paid in the local social security department;

2. If you want to pay social security, you need to go to the social security service point of the local community street or the labor and social security bureau of the county-level social security bureau to handle related business;

3. When paying social insurance in the Social Security Bureau or the Municipal Labor and Social Security Bureau, it is necessary to provide basic information, including personal residence booklet, ID card, copy of ID card and several one-inch photos;

4. The individual payment standard is based on the average salary of local social security in the previous year, in which the proportion of pension insurance payment is 20% and the proportion of medical insurance payment is 9%.

To sum up, people who don't work can buy social security by themselves. Although it is common for employers to buy social security for workers, it is ok if workers do not work or want to buy social security themselves, but there will be some differences in the payment ratio.

Legal basis:

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

Article 58

The 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 64

Social insurance funds include basic endowment insurance fund, basic medical insurance fund, industrial injury insurance fund, unemployment insurance fund and maternity insurance fund. 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.