What is the difference between social security for employees and social security for urban and rural residents?

Social security for employees and social security for urban and rural residents are two different forms in China's social security system, and there are significant differences in the participants, payment methods, security level and management system.

First, the insured object

Employee social security is mainly aimed at urban employees, including on-the-job employees of various enterprises and institutions. According to the law, these employees are withheld and paid social security fees by their employers and enjoy corresponding social security benefits. Social security for urban and rural residents is mainly aimed at rural residents and urban residents who have not participated in employee social security. They voluntarily participate in insurance as individuals and pay social security fees.

Second, the mode of payment

The payment method of employee social security is generally shared by employers and individuals, and the proportion of payment is determined according to the total wages and the prescribed proportion. The employer is responsible for withholding, and the personal part is deducted from the salary. Social security payment methods for urban and rural residents are relatively flexible. Generally, different payment grades are set according to the local economic development level and residents' income level, and residents can choose their own payment grades according to their own conditions.

Third, the level of protection

The social security level of employees is relatively high, covering pension insurance, medical insurance, unemployment insurance, work injury insurance and maternity insurance, providing all-round protection for employees. The social security level of urban and rural residents is relatively low, mainly covering endowment insurance and medical insurance, and the treatment level is also low.

Fourth, the management system

The employee social security management system is relatively perfect, and social security departments at all levels are responsible for management and supervision, ensuring the safe and effective use of social security funds. The social security management system for urban and rural residents is relatively simple, and it is generally managed and implemented by local government departments.

To sum up:

There are significant differences between social security for employees and social security for urban and rural residents in terms of insured objects, payment methods, security level and management system. The social security of employees is mainly urban employees, and the payment method is shared by units and individuals, with a high level of protection and a perfect management system; Social security for urban and rural residents is mainly aimed at rural residents and urban residents who have not participated in employee social security. The payment method is flexible, the level of protection is low, and the management system is relatively simple.

Legal basis:

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

Article 10 stipulates:

Employees should participate in basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, and employers and employees should pay basic old-age insurance, basic medical insurance and unemployment insurance in accordance with state regulations.

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

Article 20 provides that:

The state establishes and improves the new rural social endowment insurance system. The new rural social endowment insurance combines individual contributions, collective subsidies and government subsidies.

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

Article 22 provides that:

The state establishes and improves the social endowment insurance system for urban residents. The people's governments of provinces, autonomous regions and municipalities directly under the Central Government may, according to the actual situation, combine the social endowment insurance for urban residents with the new rural social endowment insurance.