The difference between unit social security and personal social security

The difference between unit social security and individual social security is as follows:

1, need to pay the different types of insurance:

(1) enterprise social security, the enterprise for the workers to pay the insurance includes five insurance and one gold: old age insurance, unemployment insurance, medical insurance, industrial injury insurance and maternity insurance, and housing fund. The payment of enterprise social security is mandatory, and the law stipulates that employers and workers must participate in social insurance and pay social insurance premiums in accordance with the law;

(2) Personal social security, the only two types of social insurance paid in the capacity of an individual are old-age insurance and medical insurance. In accordance with the provisions of the flexible employment of people, in the name of individuals to participate voluntarily in the basic medical insurance and basic medical insurance, is not included in the scope of unemployment, work-related injuries and maternity insurance of the participating population;

2, the proportion of contributions are different:

(1) enterprise social security, old-age pension, medical care and unemployment insurance is paid by the individual and the enterprise respectively, the general enterprise accounted for the proportion of the more, at present, is the enterprise pays Twenty percent of the pension insurance, individuals pay eight percent; enterprises pay two-eighths of the unemployment insurance, individuals pay one percent, enterprises pay eight percent of the medical insurance, individuals pay two percent, and industrial injury insurance and maternity insurance is not required to pay for individuals, all by the enterprise to pay;

(2) personal social security, social security premiums paid in the capacity of an individual need to be fully covered by the personal

3, there are differences in retirement treatment:

(1) Retirement time, first of all, there is a difference in the age of female participants in the retirement pension, the unit of female cadres 55 years old, female workers 50 years old; individuals are 55 years old. There is no difference between the retirement age of male participants and the age of individuals, both are 60 years old;

(2) insurance, the enterprise social security has unemployment, work injury, maternity insurance treatment, the individual social security does not have these three insurance treatment,

(3) medical expenses, the enterprise social security card has a certain amount of medical expenses into the account each month, the individual social security does not have a medical expense into the account,

(4) medical expenses, the enterprise social security card has a certain amount of medical expenses into the account each month, the individual social security does not have a medical expense into the account, the individual social security does not have a medical expense into the account.

4, pension insurance to receive different:

(1) enterprise social security, participate in the basic pension insurance individuals, to reach the legal retirement age when the cumulative contributions of fifteen years, receive the basic pension insurance on a monthly basis. If the accumulated contributions are less than fifteen years when reaching the legal retirement age, you can contribute until you reach the full fifteen years, and then you will receive the basic pension on a monthly basis. If an individual who has participated in the basic pension insurance dies due to illness or not due to work, his/her will can receive a funeral grant and pension; if he/she becomes disabled due to illness or not due to work when he/she has not yet reached the legal retirement age, he/she can receive a disability allowance for his/her total incapacity for work.

(2) Individual social security, which is paid by individuals, is an old-age insurance system that covers urban household members who are not employed. In most cities, contributions are made on an annual basis and are not mandatory but are voluntary. In addition, in addition to individual contributions, the government will also give subsidies, the more individual contributions, the more government subsidies, and individual contributions and government subsidies are all credited to the participant's personal account.

Legal basis:

Article 10 of the Social Insurance Law of the People's Republic of China

Employees should participate in basic pension insurance, and the employer and the employee*** pay the basic pension insurance premiums together.

Individual industrial and commercial households without employees, part-time workers who have not participated in basic pension insurance with their employing units, and other flexibly employed persons may participate in basic pension insurance and pay basic pension insurance premiums by themselves.

The methods of pension insurance for civil servants and staff members administered under the civil service law shall be prescribed by the State Council.

Article 12

The employer shall pay basic pension insurance premiums in accordance with the proportion of the total wages of the employees of the employer as prescribed by the State, and credit them to the Basic Pension Insurance Coordination Fund.

Employees shall pay basic pension insurance premiums in accordance with the proportion of their own wages prescribed by the State and credited to their individual accounts.

Individual industrial and commercial households without employees, part-time workers who have not participated in the basic pension insurance in the employing organization, and other flexibly employed persons participating in the basic pension insurance shall pay the basic pension insurance premiums in accordance with the state regulations, which shall be credited to the basic pension insurance general fund and the individual account respectively.