Is there a difference between opening an account in the name of a company and opening an account in the name of an individual when handling social security? I want the details!

The account opened in the name of the company is employee social security, and the individual contribution is 8% of the social security, which is included in the personal account. The unit pays 20% of the overall planning and social welfare, which is not included in the personal account. Personal name is social security for flexible employees. Individuals pay 20% of social security, and only 8% of social security is included in personal accounts. The rest are included in the overall plan. The difference is that the individual pays the social security fee in full, and the unit pays, accounting for about 2/3, and the individual pays 1/3.

Social security personal account is the personal account of an independent natural person in the local social security center, and social insurance is the welfare treatment. Take Guangzhou as an example: how to inquire about the money in Guangzhou social security personal account-medical account? Note: The money in Guangzhou social security personal account includes the money in medical account and the money in pension account. The money in the medical account mainly consists of four parts: first, the medical insurance premium paid by individuals is 2% of the average monthly salary of employees in the previous year. Note: The standard range of medical insurance premium payment base in Guangzhou is: minimum: 2725 yuan/month-maximum: 13623 yuan/month. The second is the part that the employer stipulates to pay to the personal account. Employees under 35 years old (including 35 years old) will be credited to your personal account according to 1% of the amount of basic medical insurance premium paid. Employees are over 35 years old to 45 years old (including 45 years old). 0.4% of the basic medical insurance premium paid according to 65438+ will be credited to your personal account. ③ Employees over 45 years old will be credited to your personal account at 0.7% of the basic medical insurance premium paid by 65438+. For example: ① If you are 30 years old this year, your basic endowment insurance is 400 yuan, and this 400 yuan includes both company contributions and individual contributions, so the company stipulates that it should be included in your personal account. Remarks: The average monthly salary of Guangzhou employees in 20 1 1 year is 454 1 yuan. The money in the pension account is mainly composed of two different situations: a, based on the monthly average amount of wages and salaries tax in the current year, it is lower than 60% of the average monthly salary of employees in the previous year, that is, less than 2724 yuan. Just pay 60% of the salary, 20% of the company and 8% of the individual, of which *** 1 1% is credited to the individual account (3% of the company and 8% of the individual). For example, Xiao Wang's salary is 2500 yuan, so the money he transfers to his personal account is: the expenses paid by the company+the expenses paid by the individual = (2500× 60 %× 20 %× 3%)+(2500× 60 %× 8%) = 9 yuan+120 yuan = 129 yuan. 20% for the company and 8% for the individual, of which *** 1 1% is transferred to the individual account (3% for the company and 8% for the individual). 3. Where can the money in personal account be used? First of all, my outpatient and emergency expenses. Second, the drug costs of designated pharmacies. Third, the part of hospitalization that needs to be borne by yourself. Including the deductible, the proportion borne by oneself and the part above the maximum payment limit. Fourth, all the shortcomings are borne by themselves. Special reminder: All the above are the calculation methods of formal employees with labor contracts. The payment standard for flexible employees is 7.5%, and there is no personal account before retirement.