The difference between community social security and unit social security

Legal analysis: 1, different in nature. Medical insurance for employees is compulsory. Working in an enterprise, the enterprise must pay five insurances for its employees, namely, endowment insurance, medical insurance, maternity insurance, industrial injury insurance and unemployment insurance. Among them, 20% are individuals with endowment insurance, 8% are individuals with medical insurance, and the rest are paid by the company. With the gradual improvement of various national systems, regular enterprises now pay social security for their employees. Social security for residents is paid voluntarily by individuals, and currently only includes endowment insurance and medical insurance.

2. The payment time is different. We know that employees' social security is paid monthly. When they pay their salary every month, social security will deduct it from our salary, and it will take 15 years to retire at the specified age. Residents' social security is paid annually, and it needs to be paid 15 years.

3. The payment amount is different. Employees' social security association will pay different amounts because each enterprise is different. Based on last year's average monthly salary, it is adjusted once a year in July. Most enterprises will choose the minimum standard to pay. Enterprises also want to save costs, and employees of public institutions will generally pay according to the highest grade. So the gap between units is actually very big. Residents' social security is also graded, ranging from several hundred yuan to several thousand yuan, and most of them are paid according to their own economic ability. However, under the same level, the amount paid by employees' social security and residents' personal social security is very different, and the amount paid by employees is much lower.

4. Pension treatment is different from medical treatment. Employees' social security areas are different, and their pensions will be different. Generally speaking, employees can receive 1.600 yuan to 3,600 yuan every month after retirement, and the social security of residents is 60 years old. The amount received each month is: the total amount of fees paid and the interest generated is 1.39 months, that is, how much is received; Employees' personal medical insurance accounts can be used as outpatient expenses, or they can buy medicines at designated pharmacies themselves, and about 85% of them can be reimbursed for hospitalization. Residents pay medical insurance for one year, the outpatient expenses can be ignored, and the hospitalization reimbursement is about 50%.

Legal basis: People's Republic of China (PRC) Social Insurance Law.

Tenth employees should participate in the basic old-age insurance, and employers and employees should 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.

Eleventh basic old-age insurance to implement the combination of social pooling and individual accounts.

The basic old-age insurance fund consists of employers, individual contributions and government subsidies.

Article 12 The employing unit shall pay the basic old-age insurance premium according to the proportion of the total wages of employees stipulated by the state and record it in the basic old-age insurance pooling fund. Employees shall pay the basic old-age insurance premium in accordance with the proportion of wages stipulated by the state and record it in their personal accounts. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employing unit and other flexible employees who have participated in the basic old-age insurance shall pay the basic old-age insurance premiums in accordance with state regulations and record them in the basic old-age insurance pooling fund and individual accounts respectively.