The difference between self-employed social security and employee social security

Legal analysis: 1. There are different types of social security purchases:

Because in social insurance, it is clear that work-related injury insurance and maternity insurance must be paid by the unit, so there are specific work-related injury insurance and maternity insurance in employee social security, and the social security purchased by flexible employees in their own name cannot be purchased because there is no unit to hang it, and they cannot enjoy the treatment of maternity insurance and work-related injury insurance.

2, social security purchase need to pay different fees:

In addition to work-related injury insurance and maternity insurance, other types of insurance (endowment insurance, medical insurance and retirement insurance) are paid by individuals and units in proportion according to local policies. For example, in Guangdong, individuals need to pay 40% and units need to pay 60%.

Individuals need to pay social insurance, and all the expenses incurred by other types of insurance (endowment insurance, medical insurance and retirement insurance) shall be borne by individuals in full.

3. The types and accounting of endowment insurance are different:

When the unit pays social insurance, the endowment insurance premium paid by the unit is put into the basic endowment insurance pooling fund, and the endowment insurance premium paid by the individual is credited to the personal account.

Individuals who pay social insurance need to pay the old-age insurance premium in full, which are credited to the basic old-age insurance pooling fund and personal account respectively. Compared with the company's social security, individuals need to pay all the parts that the company needs to pay when paying social security, so the expenses incurred by individuals in purchasing social security are relatively high.

Legal basis: Article 23 of the Social Insurance Law of People's Republic of China (PRC), employees shall participate in the basic medical insurance for employees, and the employer and employees shall jointly pay the basic medical insurance premium in accordance with state regulations.

Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations.