What items do individuals buy social security?

Social security paid by individuals includes basic old-age insurance, basic medical insurance, maternity insurance, industrial injury insurance and unemployment insurance.

Personal social security includes basic endowment insurance and basic medical insurance.

Social security for employees includes basic old-age insurance, basic medical insurance, maternity insurance, industrial injury insurance and unemployment insurance.

The employing unit shall declare itself and pay social insurance premiums in full and on time, and shall not postpone or reduce the payment except for legal reasons such as force majeure. The social insurance premiums that employees should pay shall be withheld and remitted by the employer, and the employer shall inform me of the details of paying social insurance premiums on a monthly basis. Social security is divided into units and individuals. Specific social security contributions are as follows:

1, endowment insurance, units and individuals pay 20% and 8% respectively;

2, medical insurance, units and individuals pay 12%, 2% respectively;

3. Unemployment insurance, units and individuals pay 2% and 0% respectively;

4, maternity insurance units to pay 0.60%, individuals do not pay;

5, work-related injury insurance units pay 2%, individuals do not pay.

60%-300% of the average social wage is generally used as the base of social security payment. If the average wage is lower than the lower limit, it shall be calculated according to the lower limit, and if it exceeds the upper limit, it shall be calculated according to the upper limit. Due to historical and practical reasons, the average social wage is inflated, which cannot fully reflect the real situation of the average income of social groups. "Therefore, the linkage mechanism between the social security contribution base and the average social wage itself is debatable. In addition, the floating social security payment base will inevitably increase the payment burden of enterprises and low-income groups. How to balance the rights and obligations of the insured requires overall consideration and corresponding supporting measures.

Reduce the social security contribution rate. At present, the contribution rates of five social insurances in China, namely, pension, medical care, unemployment, work injury and maternity, are 36.6% for enterprises and 1 1% for individuals, which together exceed 40% of individual wages, and are on the high side in the world. Under the background of high social security contribution rate, it will undoubtedly further increase the burden of payment and affect the enthusiasm of participating in insurance. The Third Plenary Session of the 18th CPC Central Committee clearly pointed out that the coverage of insurance payment should be expanded, and the social insurance premium rate should be appropriately reduced in a timely manner. The adjustment of social security payment base and rate must be carried out simultaneously, and the level of different income groups should be adjusted reasonably to reduce the burden of low-income people.

Legal basis:

Social Insurance Law Article 2 The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to receive material assistance from the state and society in accordance with the law in case of old age, illness, industrial injury, unemployment and maternity.

Article 16 of the Social Insurance Law: Individuals who participate in the basic old-age insurance will receive the basic old-age pension on a monthly basis when they reach the statutory retirement age and have accumulated contributions for fifteen years.

Individuals who participate in the basic old-age insurance and pay less than fifteen years when they reach the statutory retirement age can pay for fifteen years and receive the basic pension on a monthly basis; Can also be transferred to the new rural social endowment insurance or urban residents' social endowment insurance, enjoy the corresponding pension insurance benefits in accordance with the provisions of the State Council.

Article 28 of the Social Insurance Law conforms to the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency and rescue medical expenses, and shall be paid by the basic medical insurance fund in accordance with state regulations.

"Social Insurance Law" Article 41 Where an employee's employer fails to pay work-related injury insurance premiums according to law, and a work-related injury accident occurs, the employer shall pay work-related injury insurance benefits. If the employer does not pay, it shall pay in advance from the industrial injury insurance fund.

The industrial injury insurance benefits paid in advance from the industrial injury insurance fund shall be repaid by the employer. If the employer fails to repay, the social insurance agency may recover the compensation in accordance with the provisions of Article 63 of this Law.

Article 46 of the Social Insurance Law: If the unemployed person and the employer have paid contributions for more than one year but less than five years before unemployment, the longest period of receiving unemployment insurance benefits is twelve months; If the accumulated payment is over five years but less than ten years, the maximum period for receiving unemployment insurance benefits is eighteen months; If the accumulated payment is more than ten years, the maximum period for receiving unemployment insurance benefits is twenty-four months. If you are unemployed again after re-employment, the payment time will be recalculated, and the period of receiving unemployment insurance benefits will be combined with the period of receiving unemployment insurance benefits that should have been received but not received in the previous unemployment, and the longest period will not exceed 24 months.

Article 54 of the Social Insurance Law: If the employer has paid maternity insurance premiums, its employees shall enjoy maternity insurance benefits; Unemployed spouses of employees enjoy maternity medical expenses in accordance with state regulations. The required funds are paid from the maternity insurance fund.

Maternity insurance benefits include maternity medical expenses and maternity allowance.

Article 63 of the Social Insurance Law If an employer fails to pay social insurance premiums in full and on time, the social insurance premium collection agency shall order it to pay or make up within a time limit.

If the employer fails to pay or repay the social insurance premium within the time limit, the social insurance premium collection agency may inquire about its deposit account in banks and other financial institutions; And can apply to the relevant administrative departments at or above the county level to make a decision on the allocation of social insurance premiums, and notify their bank or other financial institutions in writing to allocate social insurance premiums. If the balance of the employer's account is less than the social insurance premium that should be paid, the social insurance premium collection agency may require the employer to provide guarantee and sign a deferred payment agreement.

If the employer fails to pay the social insurance premium in full and fails to provide guarantee, the social insurance premium collection agency may apply to the people's court for sealing up, distraining and auctioning the property whose value is equivalent to the social insurance premium that should be paid, so as to offset the social insurance premium with the proceeds from the auction.