What's the difference between paying social security by the unit and paying by yourself?

According to Articles 10, 23, 33, 44 and 53 of the Social Insurance Law of People's Republic of China (PRC), social insurance is paid by employers and individuals, among which, pension insurance, medical insurance and unemployment insurance are paid by units and individuals, maternity insurance and work-related injury insurance are paid by employers, and individuals do not need to pay, so social insurance is paid by units.

Legal analysis

1. All social insurance premiums are not paid by individuals or units, but by individual citizens or both citizens and employers.

2. Social insurance includes endowment insurance, medical insurance, unemployment insurance, maternity insurance and industrial injury insurance. There are certain differences in the payment methods of the above five insurances, as follows: According to Article 10 of the Social Insurance Law of People's Republic of China (PRC), the endowment insurance is jointly paid by the employer and individual citizens. According to Article 23 of People's Republic of China (PRC) Social Insurance Law, medical insurance premiums are also paid by employers and individual citizens. According to Article 44 of People's Republic of China (PRC) Social Insurance Law, unemployment insurance premium is also paid. According to the provisions of Article 33 and Article 53 of People's Republic of China (PRC) Social Insurance Law, maternity insurance premium and work injury insurance premium shall be paid. Social insurance is an important guarantee for citizens' life. In order to reduce all kinds of risks in the future, they should actively participate in insurance. However, all kinds of insurance premiums are paid by employers and citizens. If citizens do not have their own units, they can pay their own pension insurance and medical insurance, and the payment standards and follow-up treatment will be different.

legal ground

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.

Twenty-third employees should participate in the basic medical insurance for employees, and employers and employees should pay the basic medical insurance premiums 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.

Article 33 Employees shall participate in work-related injury insurance, and the employer shall pay the work-related injury insurance premium, while employees shall not pay the work-related injury insurance premium.

Forty-fourth employees should participate in unemployment insurance, and employers and employees should pay unemployment insurance premiums in accordance with state regulations.

Fifty-third employees should participate in maternity insurance, the employer should pay maternity insurance premiums in accordance with state regulations, and employees do not pay maternity insurance premiums.