The difference between enterprises and individuals paying social security

The difference between enterprises paying social security and individuals paying social security is as follows:

1, the properties are different.

Enterprise social security belongs to employee insurance, including pension, medical care, work injury, maternity and unemployment. Personal social security belongs to urban and rural residents' insurance, although it also includes pension and medical insurance, but the nature of the two is still different.

2. The payment base is different.

The base of enterprise social security is the average salary of employees in the previous year, which is limited by the lower and upper limits of the deposit base. The payment base of personal social security is fixed at high, medium and low levels for individuals to choose.

3. Different payment amounts.

Pension, medical care and unemployment insurance are shared by units and individuals, while maternity insurance and work-related injury insurance are only paid by units.

4. The place of payment is different.

The social security paid by the unit is not local or foreign. As long as you work full-time, you can pay social security at the employee's workplace. Individuals who pay social security must be locals, and foreigners need to return to their domicile to pay social security.

5. The insured person's household registration requirements are different, and the unit can pay social security without the insured person providing the local household registration certificate; Personal social security requires the insured to have a local household registration or temporary residence permit;

The payment ratio is different.

The social security paid by the unit means that the unit and the insured jointly pay the social security premium, and the premium paid by the unit is higher; Individuals who pay social security need to pay all the premiums themselves, but if they meet the 4050 social security subsidy policy, they can still get a subsidy;

6. Medical insurance benefits are different.

Every month, the unit pays social security, which will be credited to the personal account of medical insurance. For example, to buy medicine, it pays directly by credit card. If an individual pays social security, no money will enter the personal account of medical insurance.

Legal basis:

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

Article 2 The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to receive material assistance from the state and society in accordance with the law in case of old age, illness, industrial injury, unemployment and maternity.