Which is better, social security company or individual?

It is more cost-effective if the company pays, because the company can pay maternity insurance, but individuals can't buy maternity insurance if they pay it themselves, which is not good for women who are about to have children. However, if you find a company to pay social security, these companies will charge a handling fee, and all the insurance costs will be borne by the individual. It is most cost-effective to pay only in the unit.

First, affiliated companies pay social security.

Usually, we look for enterprises to link social security. Social security is all social insurance premiums we give to employers, including enterprises and employees. It is paid by enterprises, and some enterprises even charge a certain service fee.

In fact, affiliated companies should pay five social insurances-endowment insurance, medical insurance, industrial injury insurance, maternity insurance and unemployment insurance. Because there are more types of insurance, the protection is more comprehensive, but the corresponding costs are also higher.

Second, individuals pay social security.

Individuals can participate in both employee social security and resident social security. However, whether it is employee social security or resident social security, individuals usually only need to pay pension and medical insurance, and other insurances such as work injury, maternity and unemployment are not needed. If you pay employee social security, although the "types of insurance" are reduced, the fees to be paid will rise, because the expenses originally borne by the company need to be borne by yourself.

Therefore, generally speaking, there are three payment methods: 1, where affiliated companies provide social security for employees, individuals provide social security for employees and individuals provide social security for residents.

Third, pay the price.

1. On-the-job employees pay social security fees.

Social security payment standards are different in each city. Take the current employee social security payment standard in Hangzhou as an example: the minimum payment base of employee social security in Hangzhou is 332 1.6 yuan, and the maximum payment base is 16608 yuan. General institutions will help employees pay pension and medical insurance premiums in accordance with the prescribed proportion of the minimum payment base, and employees need to bear much less. To pay social security in the work unit, according to the minimum payment base, the portion borne by ordinary employees is = 332 1.6 (minimum payment base) × 10.5% = 348.8 yuan/month, and the total amount is * * * one year 12 months, and 4 185 yuan is required.

2. Individuals pay social security fees for employees.

If you pay employee social security as a flexible employee, it is much more expensive. Flexible employees pay old-age insurance, and the minimum payment base is 5536 yuan/month (60%-300% of the average salary of employees in the province last year), and it is paid according to the payment base 18%.

According to the minimum payment base, individual payment =5536 (minimum payment base) *0.6*0. 18=597.89 (yuan/month), and the participation standard of medical insurance is 348.77 yuan per person per month. Total: 597.89+348.77=946.66 (yuan/month). In other words, the social security contributions of flexible employees are almost three times that of ordinary enterprise employees.

It can be seen that while individuals are out of the jurisdiction of the unit, they also bear greater economic living costs. 946.66 yuan per month, one year 12 months, and the total social security fee is 1 1359.92 yuan, which is not a small expense for many freelancers with low income.

3. Affiliate companies pay social security for employees.

It is even more expensive to pay social security to the employees affiliated with the company. Except for work-related injury insurance, the other four insurances are paid monthly: 3321.6 * (14%+8%+10.5%+0.5%+2%+0.5%+1.2%) =/. And some companies charge a certain service fee every month, which is more expensive. Generally speaking, the annual cost is about 1.5 to 1.6 million yuan.

4. Individual social security for residents

If you think it is too expensive to pay social security for employees, there is actually another option, that is, to return to your household registration to pay social security for residents. Like individual social security for employees, social security for residents only includes pension and medical insurance. However, unlike 1 month 1 day, social security for residents is paid once a year, and the payment standard is relatively low. At present, the urban and rural pension insurance payment standards are divided into 13 grades, namely 100 yuan per year, 200 yuan, 300 yuan, 400 yuan, 500 yuan, 600 yuan, 700 yuan, 800 yuan, 900 yuan, 1000 yuan and 1500 yuan respectively. Residents' medical insurance payment standards are divided into 400 yuan and 600 yuan. That is to say, even if they all pay according to the top grade, the actual annual payment per person is 2000- 140+600=2460 yuan, which is much cheaper than employee social security.

Generally speaking, the payment of these four methods is as follows: individual affiliated companies pay employee social security >; Employee social security > employee social security paid by on-the-job employees > resident social security

Fourth, supportability.

The most important things are medical insurance and endowment insurance.

1, medical insurance

Taking the current security standard in Hangzhou as an example, it can be seen from the outpatient reimbursement rules that the security of employees' medical insurance is far greater than that of residents' medical insurance, especially in tertiary hospitals, and the reimbursement ratio is nearly 1 times worse. The outpatient deductible line of residents' medical insurance is lower than that of employees' medical insurance (on-the-job), which is more suitable for low-level medical expenses reimbursement. For example, suppose Xiaoming spent 1.200 yuan in a community hospital and used employee medical insurance. After reimbursement, he still needs to spend 1, 000+200× 14% = 1, 028 yuan; Using the residents' medical insurance, he only needs to spend 300+900×30%=570 yuan after reimbursement. Residents' medical insurance reimbursement saves 458 yuan compared with employees' medical insurance. But if we take another example, suppose that Xiao Wang spent 2,500 yuan on seeing a doctor in a tertiary hospital, and he had to pay1000+1500× 24% =1360 yuan after using employee medical insurance; To use residents' medical insurance, you need to pay 300+2,200× 60% =1.620 yuan. Employee medical insurance reimbursement saves 360 yuan compared with resident medical insurance. It can be seen that in the case of high outpatient expenses, employee medical insurance is more practical than resident medical insurance.

In terms of hospitalization reimbursement rules, the advantages of employee medical insurance are more obvious, the deductible line is the same and the proportion of individual self-payment is much lower than that of resident medical insurance. Don't underestimate the proportion gap above 10%. If hospitalization for serious illness (Grade III) costs 200,000 yuan, then you only need to pay 39,200×18%+160,000×12% = 26,200 yuan, while using residents' medical insurance needs199,200× 30 yuan. I paid more than 30 thousand. Moreover, if employees' medical insurance is handed over to retirement, the medical insurance benefits they can enjoy will be improved, and the proportion of outpatient and inpatient reimbursement will increase by 6% and 4% respectively, which is also not available in residents' medical insurance.

2. Endowment insurance

Many people care more about old-age insurance than medical insurance. Because if you don't have a serious illness in your life, you may not feel a little difference in reimbursement ratio. However, it is very obvious how much pension you can get when you are old, whether it is 1 thousand or 2000. The calculation method of employee pension is very complicated. At present, the calculation formula of pension in most provinces is: monthly pension = personal account pension+basic pension+transitional pension basic pension = (average salary in the previous year at retirement+average monthly salary of my own indexation) /2× accumulated payment years ×1%; Personal account pension = accumulated amount of personal account/number of months corresponding to my retirement age (retirement at 60 for men 139, retirement at 50 for women195); Transitional pension = average salary of last year at retirement ×1average payment index before the end of 997 (or before the reform) × 65438+payment period before February 3 1 (or deemed payment period before the reform) × 1.4%.

As for the amount of pension, take Beijing's pension standard (the upper limit is 9,000 yuan) as an example: suppose that Mr. Wang, 30, also pays 9,000 yuan a year and retires at the age of 60, and the employee pension insurance is expected to receive about 8,000 yuan a month in the first year; Residents' medical insurance can only get about 5 thousand, which is very different.

Verb (abbreviation of verb) abstract

On the whole, whether it is medical insurance or endowment insurance, employee medical insurance is better. The price of employee social security is much higher than that of resident social security, especially for individuals affiliated with the company. How to choose depends on individuals, and many people may choose to pay social security for residents. After all, the price paid is here. In fact, if the economic conditions are better and the budget is sufficient, you can consider paying employee social security, or you can rely on the company to pay. After all, there are many benefits.

legal ground

Article 10 of People's Republic of China (PRC) Social Insurance Law

Employees shall participate in the basic old-age insurance, and the employer and employees shall jointly pay the basic old-age insurance premium.

Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employer and other flexible employees can participate in the basic old-age insurance, and individuals pay the basic old-age insurance premium.

The measures for the endowment insurance of civil servants and staff managed by reference to the Civil Service Law shall be formulated by the State Council.

Article 12 of the Social Insurance Law of People's Republic of China (PRC)

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.