What is the difference between having a work unit and not having a work unit to pay pension insurance?

Payment ratio is different with a unit, the unit to pay 12%, individuals pay 8%, the total **** 20%, the individual name of their own payment, the payment ratio is 20%, a discount of 12%. Individual pension insurance to urban and rural residents as the insurance object of a life insurance. All urban and rural residents who are over 16 years old and in good health and able to work or labor normally can be insured by the insurance company as an insured person.

Legal analysis

1, medical expenses: medical expenses are determined based on the medical bills, hospitalization fees and other receipts issued by the medical institutions, combined with medical records and diagnostic certificates and other relevant evidence. 2, lost wages: lost wages are determined based on the victim's lost time and income. 3, nursing care: nursing care is determined based on the caregiver's income and the number of nursing care, nursing care period. Nursing fee: the nursing fee is determined according to the income status of the nursing staff and the number and duration of nursing care. 4. Transportation fee: the transportation fee is calculated according to the actual expenses incurred by the victim and his necessary accompanying staff for medical treatment or transferring to a hospital for treatment. 5. Hospitalized meal subsidy: the hospitalized meal subsidy can be determined by referring to the standard of the local state organs' general staff's meal subsidy on business trip. 6. Nutritional fee: the nutritional fee is determined according to the disability status of the victim by referring to the opinion of the medical institutions. 7. Disability compensation: the disability compensation shall be calculated according to the degree of the victim's loss of working ability or the grade of disability, in accordance with the standard of per capita disposable income of urban residents or per capita net income of rural residents of the previous year in the place where the court under appeal is located, and shall be calculated for twenty years from the date of determination of disability. However, if the victim is over sixty years of age, the amount shall be reduced by one year for each additional year of age; if the victim is over seventy-five years of age, the amount shall be calculated for five years.

Legal basis

The Chinese People's **** and the State Insurance Law

Article 23 The insurer shall, upon receipt of the insured or beneficiary's request for compensation or payment of insurance premiums, make an approval in a timely manner; if the situation is complicated, the approval shall be made within thirty days, unless otherwise agreed in the contract. The insurer shall notify the insured or the beneficiary of the result of the approval; if it is the responsibility of the insurance, the insurer shall fulfill the obligation of compensation or payment of insurance premiums within ten days after reaching an agreement on compensation or payment of insurance premiums with the insured or the beneficiary. If there is an agreement in the insurance contract on the period of compensation or payment of insurance benefits, the insurer shall fulfill the obligation of compensation or payment of insurance benefits according to the agreement. If the insurer fails to fulfill the obligations stipulated in the preceding paragraph in a timely manner, in addition to the payment of insurance premiums, it shall compensate the insured or the beneficiary for the losses suffered as a result. No unit or individual shall unlawfully interfere with the insurer in fulfilling its obligation to indemnify or pay insurance premiums, nor shall it restrict the right of the insured or beneficiary to obtain insurance premiums.

Article 58 An employer shall, within thirty days from the date of employment, apply to a social insurance agency for social insurance registration for its employees. If the employer fails to register for social insurance, the social insurance agency shall approve the social insurance premiums to be paid by the employer. Individual entrepreneurs without employees who voluntarily participate in social insurance, part-time workers who do not participate in social insurance with their employers, and other flexibly employed persons shall apply for social insurance registration with the social insurance administration organization. The State establishes a nationally unified individual social security number. Individual social security numbers are citizens' identity numbers.