Social security is divided into employees and urban residents.

Legal analysis: 1, different insured objects.

Employee social security: the insured object is the employees who are employed by the unit within the working age, and the unit is obliged to pay insurance for them according to law;

Social security for residents: the insured persons are generally unemployed and can participate in the insurance voluntarily.

2. Different types of insurance

Employee social security: the company pays insurance, including five insurances, medical care, pension, work injury, unemployment and maternity insurance;

Social security for residents: individuals pay two insurances, medical insurance and endowment insurance.

3. Different payment methods.

Employee social security: paid monthly;

Social security for residents: paid annually.

4. Different payment standards

Employee social security: high payment standard

Employee social security contributions = the average monthly salary of individual employees in the previous year (not lower than the local minimum base ceiling and not higher than the local maximum base ceiling) is the sum of payment bases multiplied by the payment ratio of various insurances.

Take Fuzhou as an example. At present, the minimum monthly payment is 989.5 yuan, and it needs to be paid 1 1874 yuan a year.

Social security for residents: the payment standard is low.

Residents' medical insurance implements unified standards. Every year, 240 yuan in Fuzhou, 280 yuan in Xiamen and 220 yuan in other areas.

Residents' old-age insurance is set at 100 to 2,000 yuan per year, with 12 grades (payment grades are added according to actual conditions in various places).

Residents' social security shall be paid according to the minimum standard of 1 year in 320 yuan.

5. Different medical methods.

Employee social security:

Personal account: employee medical insurance has a personal account;

Employees can retire with medical insurance: when they reach the legal retirement age, Fujian (non-Xiamen area) has paid for 25 years;

Reimbursement ratio: The employee's medical reimbursement ratio is high.

Social security for residents:

Personal account: there is no personal account for residents' medical insurance;

Residents' medical insurance can only be treated if they pay in the same year: there is no concept of retirement, and the payment period is not accumulated;

Reimbursement ratio: the proportion of residents' medical reimbursement is low.

6. Different pension benefits

The retirement age is different: the retirement age of employees is 50 for female employees, 55 for female cadres and 60 for men; Residents' pensions are 60 years old regardless of gender;

The pension calculation formulas of the two are different: they are also paid according to the minimum standard, and the pension calculated by employee pension is much higher than that of residents;

The adjustment of pension is different: the adjustment range of employee pension is higher than that of resident pension.

7. Other treatments

Employees can enjoy more than three kinds of insurance benefits: the social security that employees are insured by the company includes work-related injury, unemployment and maternity, and those who meet the conditions can enjoy corresponding work-related injury, unemployment and maternity insurance benefits. However, residents' social security cannot participate in these three insurances, so they cannot enjoy the benefits of these three insurances.

People's livelihood business is linked to employee social security: for example, children go to school, buy a house, settle down, and transfer files. Employees are required to pay social security for a specified number of years.

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.

Article 3 The social insurance system adheres to the principles of wide coverage, basic protection, multi-level and sustainability, and the level of social insurance should be compatible with the level of economic and social development.

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.