The difference between the first-level social security and the second-level social security for residents

The difference between the first grade and the second grade of residents' social security;

The difference between the first file and the second file of residents' social security mainly lies in the different payment ratio.

The payment ratio of second gear will be higher than that of first gear. Correspondingly, the social security benefits enjoyed by the second gear will be better than those enjoyed by the first gear. The proportion of medical insurance reimbursement will be higher.

The differences between residents' social security and employees' social security are as follows:

1, different types of payment. Insurance paid by employees includes: endowment insurance, unemployment insurance, medical insurance, work injury insurance, maternity insurance and housing accumulation fund. Residents can only pay their own pension insurance and medical insurance;

2. Different sources of payment. The proportion of employees' insurance contributions shall be subject to the pre-tax wages of employees, and residents' insurance shall be paid freely;

3. Different treatment standards. Employee insurance reimbursement is higher than urban residents' medical insurance;

4. Different payment requirements.

Social endowment insurance for urban residents is an endowment insurance system covering non-employees with urban household registration. This system, together with the urban workers' endowment insurance system and the new rural social endowment insurance system, constitutes the social endowment insurance system in China. Urban residential insurance has two outstanding characteristics, that is, the source of funds for urban residential insurance is not only individual contributions, but also government subsidies for the insured. The more individual contributions, the more government subsidies, and both individual contributions and government subsidies are included in the insured's personal account. Youcheng Jubao's pension consists of two parts: personal account pension and basic pension. The level of personal account pension is determined by the amount of account storage, that is, the total amount of individual contributions and government subsidies; The basic pension is paid in full by the government.

To sum up, we should establish an urban residents' old-age insurance system that combines individual contributions and government subsidies, and combine social pooling with individual accounts, which should be matched with other social security policies such as family pension, social assistance and social welfare to ensure the basic livelihood of urban residents in their old age.

legal ground

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.