The difference between personal social security and unit social security

1, the types of insurance paid are different: social security includes five types of insurance: medical insurance, endowment insurance, unemployment insurance, industrial injury insurance and maternity insurance, and the social security paid by the company is generally included; Individuals who pay social security can only pay medical insurance and endowment insurance. So it is obvious that the insurance coverage paid by the unit is more comprehensive.

2. The proportion of individual contributions is different: first, individuals pay social security. Generally speaking, according to different payment bases in different places, the proportion of individuals paying social security is also different. The contribution ratio of endowment insurance is generally 18% to 28%, and medical insurance is generally paid at 6% to 10% of the average monthly salary of the previous year. So how much social security does an individual pay? The unit pays social security, and the unit bears a large proportion, of which the pension insurance unit pays 20% and the individual bears 8%; Medical insurance units pay 8%, and individuals bear 2%; The unemployment insurance unit pays 2%, and the individual bears 1%. Work injury insurance and maternity insurance are paid in full by the unit. Therefore, the economic pressure on individuals to pay social security is still relatively large, and it is much more cost-effective for units to pay social security.

3. Different welfare benefits: Obviously, the social security paid by individuals does not include unemployment, work injury and maternity, so there is no way to enjoy the three insurance benefits. In addition, the retirement age of units that pay social security is 60 for men and 55 for women. The retirement age of individuals who pay social security is calculated according to the age of 60 for men and 55 for women. In other words, for some women, the social security paid by the unit can enjoy the pension treatment five years earlier than that paid by the individual.

4. Social security payment places are different: individuals can only pay social security at the place where they are registered, and participate in urban and rural residents' insurance or the new rural cooperative medical system; There is no such restriction on the payment of social security by the unit, which has nothing to do with the employee's household registration. Whether employees are local or not, they can pay social security locally.