The difference between social security paid by unit and individual.

The differences between social security paid by units and social security paid by individuals are as follows:

1. Pay different items and proportions:

Social security paid by the unit includes: endowment insurance, medical insurance, unemployment insurance, work injury insurance and maternity insurance.

The proportion of units and individuals to pay is:

Endowment insurance: unit contribution ratio 19%, individual contribution ratio 8%.

Medical insurance: unit contribution ratio 10%, individual contribution ratio 2%+serious illness co-ordination in 3 yuan.

Unemployment insurance: the unit pays 0.8% and the individual pays 0.2%.

Work-related injury insurance: the unit pays 0.8%, and the individual does not.

Maternity insurance: the unit pays 0.8%, and the individual does not.

Individuals pay social security, especially urban registered residents: old-age insurance and medical insurance. The other three insurance individuals can't pay by themselves.

The amount of payment depends on the relevant policies in different regions.

2. Different retirement time:

The retirement age for female insured persons to receive pensions is different:

The female cadres of the unit are 55 years old and the female employees are 50 years old; Individuals who have paid social security in the company for a cumulative period of 10 years, with a cumulative retirement age of 15 years, can retire at the age of 50; Otherwise, you have to retire at the age of 55 (except for special jobs). The age at which male insured persons retire to receive pensions, regardless of whether the unit or individual pays social security, is 60.

3, pension insurance to receive different treatment:

Individuals who participate in old-age insurance by paying social security through the unit can receive a monthly pension if their accumulated contributions reach the statutory retirement age of 15 years; Those who are less than 15 years can continue to pay fees until they have paid 15 years, and then enjoy the pension insurance benefits on a monthly basis.

Individuals who pay social security cannot pay unemployment insurance, industrial injury insurance and maternity insurance, but only pension insurance and medical insurance. Personal insurance Most cities pay the insurance premium every year, and it is voluntary. Compared with the social security paid by the unit, the insurance premium paid by the individual is relatively low and the treatment enjoyed will be lower.

Legal basis: Article 58 of People's Republic of China (PRC) Social Insurance Law.

The employing unit shall, within 30 days from the date of employment, apply to the social insurance agency for social insurance registration for its employees. If the social insurance has not been registered, the social insurance agency shall verify the social insurance premium it should pay. Employees-free individual industrial and commercial households who voluntarily participate in social insurance, part-time employees who do not participate in social insurance in the employing unit and other flexible employees shall apply to the social insurance agency for social insurance registration. The state establishes a national unified personal social security number. Personal social security number is a citizen's identity number.