What's the difference between a company paying social security and paying social security by itself?

1. 1. Their insurance coverage is different:

Employee social security is what we usually call five insurances and one gold, which generally includes maintenance insurance, medical insurance, work insurance, unemployment insurance and maternity insurance. Among them, only old-age medical care and unemployment insurance require individual contributions, and the rest are paid by enterprises. Generally speaking, flexible employment insurance only includes king insurance, endowment insurance, medical insurance and unemployment insurance. There is no industrial injury insurance and maternity insurance.

2, the payment ratio is different.

Both of them determine the payment base according to the average social wage of last year, but most of the social security expenses of urban workers' social security are borne by the company, and the proportion of individual contributions is generally about 10% of wages. However, because there is no company to bear the cost, the proportion of flexible employees can reach about 20% of the payment base.

3. Mandatory differences

It is a legal obligation for companies to pay social security for employees, and it is a series of legal responsibilities not to pay social security for employees. Flexible employment social security mainly depends on individual autonomy, and can be interrupted at any time if you don't want to pay.

Second, the difference between individuals paying social security and units paying social security:

1, the concept difference between social security individual contribution and unit contribution:

Unit payment: The law stipulates that the company must pay full social security for its employees, which is the legal obligation of both parties.

Among the five insurances and one gold paid by the company for us, pension, medical care and unemployment insurance are paid by the company and individuals. Maternity insurance and industrial injury insurance are paid by the company.

Personal payment: If you are unemployed or you are a freelancer, you can pay the basic medical insurance and old-age insurance yourself, which is voluntary.

If you have a local urban household registration, you can pay social security for residents. If you are a resident in a different place, you must go through the "social security transfer" procedure before you can participate in the insurance.

2, the payment ratio is different:

Types of insurance that pay social insurance premiums as employees and their proportions:

(1) Old-age insurance premium: 20% paid by the unit and 8% paid by the individual.

(2) Unemployment insurance premium: the unit pays 2%.

, individual contribution 1%.

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

(4) Work-related injury insurance premium: paid by the unit, but not by the individual.

(5) Maternity insurance premium: paid by the unit, but not by the individual.

Types and proportions of social insurance premiums paid by individuals:

(1) Old-age insurance premium: 20% paid by individuals.

(2) Medical insurance premium: individuals pay 5%.

3. Different social security benefits:

(1) retirement age difference of female insured: 55 years old for female cadres and 50 years old for female employees; Everyone is 55 years old. The retirement age for male insured persons to receive pensions is 60 years old, regardless of the differences between units and individuals.

(2) the unit has three insurance benefits: unemployment, work injury and maternity; Individuals do not have these three insurance benefits.

Third, the legal basis

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.