What is the difference between social endowment insurance and employee endowment insurance?

The difference between residents' old-age insurance and employees' old-age insurance lies in the scope of protection: residents' old-age insurance is a social old-age insurance for rural residents and unemployed people; Endowment insurance for employees is social insurance paid by enterprises for employees.

1. In terms of payment methods and payment standards: employees pay pension fees on a monthly basis; Residents' pensions are paid annually. The pension insurance for employees who participate in the insurance in their personal capacity shall be paid monthly, with the range of 60%- 100% of the social security level, and the payment grade shall be chosen by themselves. Participate in the residents' old-age insurance as an individual and pay the annual fee, with a total of 12 files, 1-8 files being 300- 1000 yuan respectively, 9 files being 1500 yuan, 10 files being 2000 yuan,1.

2, from the payment amount calculation method:

The employee pension insurance is calculated according to the social class, and its annual payment amount will change with the rise and fall of the social class. As for the old-age insurance for residents, the standard of choice is such a standard. Unless you change the grade yourself, always pay according to this grade.

3. Judging from the calculation standard of retirement benefits, the two pension insurance formulas are quite different, and employees are higher than residents' pension insurance. Moreover, after receiving the treatment, residents' pension insurance has no other treatment except children's birth and additional treatment for the elderly. The treatment of employee pension insurance will be adjusted every year, and it will rise with the improvement of social level.

4. Of course, the biggest difference between the two types of insurance is the level of treatment: employees' pension insurance has a high payment and a high treatment, while residents' pension insurance has a low payment and a relatively low treatment.

legal ground

"Social Insurance Law of People's Republic of China (PRC)" Article 16 Individuals who participate in the basic old-age insurance will receive the basic old-age pension on a monthly basis if they have paid for fifteen years at the statutory retirement age.

Individuals who participate in the basic old-age insurance and pay less than fifteen years when they reach the statutory retirement age can pay for fifteen years and receive the basic pension on a monthly basis; Can also be transferred to the new rural social endowment insurance or urban residents' social endowment insurance, enjoy the corresponding pension insurance benefits in accordance with the provisions of the State Council. Eighty-fourth employers do not apply for social insurance registration, the social insurance administrative department shall order them to make corrections within a time limit; If no correction is made within the time limit, the employer shall be fined more than one time and less than three times the amount of social insurance premiums payable, and the directly responsible person in charge and other directly responsible personnel shall be fined more than 500 yuan and less than 3,000 yuan.

Article 85 Where an employer refuses to issue a certificate of termination or dissolution of labor relations, it shall be handled in accordance with the provisions of the Labor Contract Law of People's Republic of China (PRC).

Article 86 If an employer fails to pay social insurance premiums in full and on time, the social insurance premium collection agency shall order it to pay within a time limit or make up for it, and from the date of default, an overdue fine of 5/10000 shall be added daily; Failing to pay within the time limit, the relevant administrative departments shall impose a fine of more than one time and less than three times the amount owed.

Article 4 of the Interim Regulations on the Collection and Payment of Social Insurance Fees stipulates that "the payer and payer shall pay social insurance fees in full and on time."