What is the difference between social security paid by companies and individuals?

1, paid by different types of insurance.

Five risks are mandatory by law, but housing accumulation fund is not.

Therefore, the social security paid by general companies has five risks, and some companies will also pay housing provident fund.

As individuals, they can only pay endowment insurance and medical insurance.

2, the payment ratio is different.

Endowment insurance, medical insurance and unemployment insurance are paid by individuals and companies respectively, with companies accounting for the bulk.

Work injury insurance and maternity insurance units help us pay all of them.

The proportion of payment stipulated in different places is different, taking Guangzhou as an example:

Individuals pay social security, the burden will be great, because companies and individuals need to pay their own expenses.

The payment base has three grades: high, medium and low, which are between 60% and 300% of the average social wage.

You can choose freely according to your own economic situation.

3. Enjoy different treatment

As I said before, the social security paid by the company has five insurances, but if you are insured as an individual, you can only pay endowment insurance and medical insurance.

Therefore, individuals who buy insurance cannot enjoy unemployment, work injury and maternity insurance benefits.

Women also have different retirement times. Generally, female workers retire at the age of 50, and female cadres reach 55.

Individuals who pay social security will retire at the age of 55.

Men have no influence. Companies pay social security, individuals pay social security, and the retirement age is 60.

4. Endowment insurance is different.

After the company has paid social security for 15 years and reached the statutory retirement age, it can receive a monthly pension.

If it is less than 15 years, you can continue to pay fees, and you can receive a pension after 15 years.

Even in some extreme cases, endowment insurance can play a key role.

In case of death due to illness or non-work-related reasons, the survivors can receive funeral subsidies and survivors' pensions.

Those who have not reached the statutory retirement age and have completely lost their ability to work due to illness or non-work-related disability can receive disability allowance.

When a retiree dies, his legal heir or designated beneficiary can inherit the balance in the personal account of endowment insurance.

Individual contributions are paid annually, and there is no mandatory requirement, which belongs to voluntary insurance.

The government will give subsidies, and the more individual contributions, the more government subsidies, all of which will be included in the insured's personal account.

If the pension is overpaid, the proportion of individual contributions is low, and the pension received after retirement will be even lower.

Second, it can be seen that the advantages of paying social security through the company are more obvious, the personal burden is lighter, and the benefits enjoyed are more complete.

If you are a freelancer, or a friend who is not going to look for a job in a short time after resigning, but doesn't want to pay social security fees, in addition to personal payment, you can actually pay through a third party.

Through third-party payment, the protection will be more perfect.

In fact, many third-party companies provide social security services, which belong to social security outsourcing.

If a friend runs a company, he can also be affiliated with his company.

Like those third-party companies. In the name of the company, the money is actually given by themselves, but those third-party organizations may also charge service fees.

Find some reputable and large-scale third-party companies to prevent being fooled.

Whether the company pays social security or the individual pays social security, social security cannot be broken.

Maybe you haven't felt the importance of these benefits, but when you really use them, you find that five insurances and one gold are really great.

Therefore, friends with units must let the company pay social security on time.

If the company doesn't help you pay social security, you can apply to the local labor bureau for arbitration.

Generally speaking, five insurances and one gold must be paid, and more can be paid.