What is the difference between the individual to buy social security and the company to buy?

The main difference between buying social security individually and buying social security with a company is the main body of contributions, the amount of contributions, the enjoyment of treatment and legal responsibility. Individuals buy social security is by the individual to bear all the costs of social security, while hanging company to buy social security is by the individual and the company **** the same bear.

One, the main body of different contributions

Individuals to buy social security contributions is the main body of the individual, you need to bear all the costs of social security, including pension insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance. The main body of the contribution of the company to buy social security, on the other hand, includes the individual and the company, in which the company needs to bear part of the cost of social security, while the individual will bear the remaining part.

Second, the amount of contribution is different

The amount of contribution for individuals to buy social security is usually lower because it can only be paid in accordance with the minimum base amount, while the company to buy social security can be paid in accordance with the actual salary or the base amount stipulated by the company, and the amount of contribution is relatively higher. However, individuals buying social security can also voluntarily choose a higher contribution bracket to improve their future pension benefits.

Three, enjoy the treatment of different

Individuals buy social security and hanging company to buy social security in the enjoyment of the treatment of differences. Generally speaking, the company to buy social security employees can enjoy the benefits and protection provided by the company, such as supplemental medical insurance, regular medical checkups and so on. On the other hand, individuals who buy social security can only enjoy basic social security benefits, such as pensions, medical insurance and so on.

Four, the legal responsibility is different

Hanging the company to buy social security involves the legal relationship between the company and the individual, once the problem occurs, the company and the individual may bear the corresponding legal responsibility. The individual to buy social security is mainly involved in the legal relationship between the individual and the social security institutions, individuals need to bear the responsibility is relatively small.

In summary:

There are obvious differences between buying social security for an individual and buying social security with a company in terms of the main body of contributions, the amount of contributions, the enjoyment of treatment and legal responsibility. Individuals can choose the appropriate social security payment method according to their actual situation and needs. If an individual does not have a work unit or wants to be more flexible in choosing the level of social security payment, he can choose to buy social security individually; while if an individual wants to enjoy more company benefits and protection, he can choose to buy social security with a company.

Legal basis:

The Social Insurance Law of the People's Republic of China

Article 10 stipulates:

Employees shall take part in basic pension insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, and shall pay the basic pension insurance premiums, the basic medical insurance premiums and unemployment insurance premiums by the employing unit and the employees*** together.

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

Article 58 stipulates:

An employer shall, within thirty days from the date of employment, apply to a social insurance agency for social insurance registration for its employees. If it fails to register for social insurance, the social insurance agency shall authorize the social insurance premiums it shall pay.

Individual entrepreneurs without employees who voluntarily participate in social insurance, part-time workers who do not participate in social insurance with their employers, and other flexibly employed persons shall apply for social insurance registration with the social insurance administrative organization.