Retirement benefits are paid by individuals and units.

Individual social security and unit social security retirement benefits are the same, as follows:

1. Personal social security contributions are the same as the company's social security retirement salary, because according to relevant regulations, social security retirement salary is determined according to factors such as individual cumulative payment years, payment salary, average salary of local employees, personal account amount, average life expectancy of urban population, etc.

2. Social security is the basic guarantee for social members when necessary, not for profit; Commercial insurance is the commercial operation of insurance companies, aiming at profit.

Take the social security card issued by the company to the hospital for reimbursement. The specific process is as follows:

1. First, when the insured sees a doctor, he should register at the registration office with his social security card;

2. The insured person goes to the clinic with the registration form. After seeing the insured, the doctor will write a prescription to pay the fee.

3. After the insured person takes the prescription to the hospital settlement window for pricing, he can directly brush the social security card to pay the medical expenses within the scope of medical insurance fund payment.

To sum up, the basic pension is determined according to individual cumulative payment years, payment wages, average salary of local employees, personal account amount, average life expectancy of urban population and other factors, and has nothing to do with social security units or individuals.

Legal basis:

Article 58 of People's Republic of China (PRC) Social Insurance Law

The employing unit shall, within 30 days from the date of employment, apply to the social insurance agency for social insurance registration for its employees. If the social insurance has not been registered, the social insurance agency shall verify the social insurance premium it should pay.

Employees-free individual industrial and commercial households who voluntarily participate in social insurance, part-time employees who do not participate in social insurance in the employing unit and other flexible employees shall apply to the social insurance agency for social insurance registration.

The state establishes a national unified personal social security number. Personal social security number is a citizen's identity number.

Article 59

The people's governments at or above the county level shall strengthen the collection of social insurance premiums.

Social insurance premiums shall be uniformly collected, and the implementation steps and specific measures shall be stipulated by the State Council.