The difference between deep family social security and non-deep family social security

First of all, the difference between deep household social security and non-deep household social security is roughly as follows:

1, the payment ratio is different, the deep household unit pays 14%, and the non-deep household unit pays 13% (the individual payment ratio is the same). The higher the contribution ratio, the more people can lead after retirement.

2. If the retirement age is not enough, the Shenzhen hukou can be paid in full in Shenzhen 15 years. Only external account has paid 10 years to handle deferred payment.

Second, the proportion of payment.

1, non-deep household social security contribution ratio

Pension insurance payment ratio: unit 13%, individual 8%, * * * 2 1%.

Proportion of medical insurance payment:

(1) The company's contribution rate is 6% (the first file of basic medical insurance) 0.2% (the proportion of local supplementary medical insurance) 0.5% (maternity insurance) =6.7%, and the individual pays 2%, which is 8.7%.

(2) The second stage of basic medical insurance (original hospitalization medical insurance): the unit pays 0.5% 0. 1% (local supplementary medical insurance) 0.2% (maternity insurance) and the individual pays 0.2%, accounting for 1%.

(3) The third stage of basic medical insurance (original cooperative medical insurance and migrant workers' medical insurance): the unit pays 0.4% to 0.05% (local supplementary medical insurance), and the individual pays 0. 1%, accounting for 0.55%.

① Unemployment insurance payment ratio: 2% for the unit, 0/%for the individual/kloc, and 3% for * * * *.

② Payment ratio of work-related injury insurance: 0.4%, 0.8% and 1.2% according to the actual payment rate after the floating rate is implemented.

2. The proportion of deep household social security contributions

(1) Old-age insurance (supplementary pension in basic old-age places): 13 1% for the unit and 8% for the individual;

Comprehensive medical care (including local supplementary medical care and reproductive medical care): 7% for units and 2% for individuals;

(2) Unemployment insurance: unit 2%, individual1%;

(3) Work-related injury insurance: the standard rates are 0.5%, 1% and 1.5% (borne by the company), and the company pays according to the actual floating standard of 1-3;

(4) Housing accumulation fund: the payment base is between 1320-22975, and the minimum proportion is 10% (5% for each unit and individual).

Third, the judicial interpretation of social insurance.

1, social security is social insurance, which refers to a non-profit social security system with income redistribution function, in order to prevent and share social risks such as old age, unemployment, illness and death, realize social security, and force most members of society to participate. Social insurance is a social and economic system that provides income or compensation for those who lose their ability to work, are temporarily unemployed or suffer losses due to health reasons.

2. The social insurance plan is organized by the government, forcing a certain group to use part of its income as social insurance tax (fee) to form a social insurance fund. Under certain conditions, the insured can get fixed income or loss compensation from the fund. It is a redistribution system, and its goal is to ensure the reproduction of material and labor and social stability.

3. There is a great difference between non-deep household social security and deep household social security in terms of payment method and payment amount, because the local government has made adjustments according to the relevant social security payment policies and standards promulgated by the state and combined with the actual situation of local hukou in Shenzhen, but non-deep households may not enjoy the relevant welfare benefits of deep households, which is also the direction of social security reform. Citizens should pay social security according to their own reality.

legal ground

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

Article 12

The employing unit shall pay the basic old-age insurance premium according to the proportion of the total wages of its employees stipulated by the state, and record it in the basic old-age insurance pooling fund.

Employees shall pay the basic old-age insurance premium in accordance with the proportion of wages stipulated by the state and record it in their personal accounts.

Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employing unit and other flexible employees who have participated in the basic old-age insurance shall pay the basic old-age insurance premiums in accordance with state regulations and record them in the basic old-age insurance pooling fund and individual accounts respectively.

Article 60 The employing unit shall declare on its own and pay social insurance premiums in full and on time. Except for legal reasons such as force majeure, the payment shall not be postponed or reduced. The social insurance premiums that employees should pay shall be withheld and remitted by the employer, and the employer shall inform me of the details of paying social insurance premiums on a monthly basis.

Individual industrial and commercial households without employees, part-time employees who have not participated in social insurance in the employing units and other flexible employees can pay social insurance premiums directly to the social insurance premium collection agencies.