The difference between social security for flexible employees and social security for enterprises

The difference between social security for flexible employees and social security for enterprises;

1, different types of insurance are paid: social security for urban employees includes five types of insurance: endowment insurance, medical insurance, industrial injury insurance, maternity insurance and unemployment insurance, while social security paid by unit employees includes five types of insurance, while flexible employees pay their own social security, usually only two types of insurance are endowment insurance and medical insurance;

2. Compulsory payment is different: for enterprise employees, social security is compulsory, and both units and employees must pay social security according to law, while for flexible employees, social security is voluntary, and the insured can decide whether to pay social security according to their own conditions;

3. Different payment bases: the social security payment base of enterprise employees is determined according to the average monthly salary of the insured employees (which cannot exceed the local upper and lower limits), and the insured employees are not free to choose, and the payment base of flexible employees can choose by themselves, generally within the range of 60%-300% of the local average social salary in the previous year;

4. Different payment ratios: the payment ratio of enterprise employee pension insurance is divided into two parts: the unit payment ratio and the individual payment ratio. At present, the unit contribution ratio is 16%, the individual contribution ratio is 8%, the enterprise employee medical insurance unit contribution ratio is about 8%, and the individual contribution ratio is about 2%; The proportion of pension insurance contributions for flexible employees is about 20%, and the proportion of medical insurance may be around 4% and 8%. If the proportion of medical insurance payment is 4%, there is usually no personal account for medical insurance. If you choose to pay 8% for medical insurance, you will generally have a personal account for medical insurance.

5. Different retirement ages: At present, the retirement ages of employees in enterprises are 60 for men, 55 for women cadres and 50 for women employees, and 60 for men, 55 for women and 50 for flexible employment, depending on local policies.

The social security payment methods for flexible employees mainly include the following:

1. Payment of social security for residents. As long as flexible employees have local household registration, they can go directly to the Social Security Bureau to go through the formalities with their identity documents and relevant certificates. Residents' social security is paid annually, that is, once a year;

2. Employee social security payment, flexible employees can also pay employee social security, but the difference from unit payment is that they can only pay endowment insurance and medical insurance, and the specific needs also depend on local policy requirements;

3, social security payment agent, this is the most worry-free operation, as long as you give the money to a third-party agent, but you must choose a formal social security payment agent.

To sum up, although there are many differences between the social security of flexible employees and the social security of enterprise employees, the pensions of retirees are all calculated by using the national unified pension calculation formula.

Legal basis:

Article 57 of People's Republic of China (PRC) Social Insurance Law

The employing unit shall, within 30 days from the date of its establishment, apply to the local social insurance agency for social insurance registration with its business license, registration certificate or unit seal. The social insurance agency shall, within fifteen days from the date of receiving the application, examine and issue the social insurance registration certificate.

Article 58

The 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.