Who gets more, the company or the company?

Personal social security can get more.

The differences between units and individuals paying social security include:

1. Individuals and units pay different types of insurance.

The insurance paid by enterprises for employees includes five insurances and one gold: endowment insurance, unemployment insurance, medical insurance, work injury insurance and maternity insurance, and housing accumulation fund. However, the payment of enterprise insurance is mandatory, and the law stipulates that employers and workers must participate in and pay social insurance according to law.

Different from the "five insurances and one gold" agreed by the unit, the social security paid by one person only includes endowment insurance and medical insurance. There is no unemployment insurance, industrial injury insurance and maternity insurance.

2, the payment ratio is different:

Total amount of five insurances and one gold = social security payment base × (pension insurance ratio+medical insurance ratio+unemployment insurance ratio+provident fund ratio) +3.

Among them, pension, medical care and unemployment insurance are paid by individuals and enterprises respectively, and general enterprises account for the bulk (the proportion of payment varies across the country), such as:

(1) Endowment insurance premium: the unit pays 19%, and the individual pays 8%.

(2) Unemployment insurance premium: 2% paid by the unit and 1% paid by the individual.

(3) Medical insurance premium: the unit pays 8% and the individual pays 2%.

Industrial injury insurance and maternity insurance do not need to be paid by individuals, but are all paid by enterprises.

However, as an individual, paying social insurance premiums requires personal commitment. And individuals pay social security without three insurance benefits: work injury, maternity and unemployment. The medical insurance card of the unit has a certain amount of medical expenses every month; Individuals have no medical expenses.

3. There are differences in retirement benefits. Retirement time:

First of all, there are differences in the retirement age of female insured persons: female cadres in the unit are 55 years old and female employees are 50 years old; Everyone is 55 years old. The age at which the male insured retires to receive a pension is 60, regardless of the unit or individual.

In terms of insurance, enterprise social security has three insurance benefits: unemployment, work injury and maternity; Personal social security does not have these three insurance benefits. In the use of medical expenses, the medical insurance card of enterprise social security has a certain amount of medical expenses every month; Personal social security has no medical expenses.

4. Endowment insurance is different.

Individuals who supplement the basic old-age insurance, reach the statutory retirement age and pay for fifteen years, receive the basic old-age insurance monthly. If the accumulated payment is less than fifteen years when reaching the statutory retirement age, the payment can be made for fifteen years, and then the basic pension can be received monthly. If an individual who participates in the basic old-age insurance dies due to illness or non-work, his will can receive funeral subsidies and pensions; Persons who have completely lost their ability to work due to illness or non-work-related disability before reaching the statutory retirement age can receive disability allowance.

legal ground

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

Article 4 Employers and individuals who pay social insurance premiums according to law in People's Republic of China (PRC) have the right to inquire about payment records and personal rights and interests records, and ask social insurance agencies to provide social insurance consultation and other related services.

Individuals enjoy social insurance benefits according to law and have the right to supervise the payment of their own units.

Article 58 An 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.