What's the difference between social security for freelancers and social security for employees?

The difference lies in the different participants: the free occupational pension insurance for enterprises and society belongs to social insurance, the participants of on-the-job payment are enterprises and individuals, and the participants of individual flexible employment are individuals.

The base and proportion of payment are different: for example, the proportion of pension payment for flexible employees is 20%, and the proportion of pension payment for enterprise employees is 28%. The base of payment varies from place to place, but the payment situation is different.

Retirement time is different: men are all 60 years old, women are all 55 years old and flexible employment, and enterprise employees can retire to urban hukou at the age of 50. Of course, there are also some special types of jobs that retire early.

The difference between social security of freelancers and social security of employees;

1, the types of insurance paid are different: urban workers' social security includes five types of insurance: endowment insurance, medical insurance, industrial injury insurance, maternity insurance and unemployment insurance, while unit employees pay five types of insurance, while freelancers pay their own social security, usually only two types of insurance: endowment insurance and medical insurance.

2. Compulsory payment is different: for enterprise employees, social security is compulsory, and both units and employees must pay social security according to law, while for freelancers, social security is voluntary, and the insured can decide whether to pay social security according to their own conditions.

3. Different payment bases: the social security payment base of enterprise employees is determined according to the average monthly salary of the insured employees (which cannot exceed the local upper and lower limits), and the insured employees are not free to choose, while the payment base of freelancers can choose by themselves, generally within the range of 60%-300% of the local average social salary in the previous year.

4. Different payment ratios: the payment ratio of enterprise employee pension insurance is divided into two parts: the unit payment ratio and the individual payment ratio. At present, the unit contribution ratio is 16%, the individual contribution ratio is 8%, the enterprise employee medical insurance unit contribution ratio is about 8%, and the individual contribution ratio is about 2%; The proportion of pension insurance paid by freelancers is about 20%, and the proportion of medical insurance may be around 4% and 8%. If the proportion of medical insurance payment is 4%, there is usually no personal account for medical insurance. If the proportion of medical insurance payment is 8%, there will usually be a personal account for medical insurance.

5. Different retirement ages: At present, the retirement ages of enterprise employees are: 60 for men, 55 for women cadres and 50 for women workers, and 60 for men, 55 for women and 50 for freelancers, depending on local policies.

1. Can flexible employment and employee social security be merged?

The two can be merged; Handle social security transfer and merge the social security given by the previous unit with the current one. The employing unit shall register the basic old-age insurance for employees in accordance with the relevant provisions of the state. 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 who have participated in the basic old-age insurance shall pay the basic old-age insurance premium in accordance with state regulations and record it in the basic old-age insurance fund and personal account.

To sum up, because of different identities and different angles, it is different.

Legal basis:

People's Republic of China (PRC) social insurance law

Article 10

Employees shall participate in the basic old-age insurance, and the employer and employees shall jointly 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.

Article 12

The employing unit shall pay the basic old-age insurance premium according to the proportion of the total wages of its employees stipulated by the state, and record it in the basic old-age insurance pooling fund.

Employees shall pay the basic old-age insurance premium in accordance with the proportion of wages stipulated by the state and record it in their personal accounts.

Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employing unit and other flexible employees who have participated in the basic old-age insurance shall pay the basic old-age insurance premiums in accordance with state regulations and record them in the basic old-age insurance pooling fund and individual accounts respectively.