The difference between employee social security and individual social security

There are different types of social security payments. Employers will pay five insurances and one gold for us when they are on the job, while flexible employees can only pay pension and medical insurance. Social security paid by employees is mandatory. The payment amount is different. The payment period is different. The restrictions are different. Individuals who pay social security are generally required to be locals, and employers who pay social security are full-time. There are differences in retirement benefits.

First, the concept difference between individual social security contributions and company contributions

Company payment: The law stipulates that the company must pay full social security for its employees, which is a mandatory legal obligation of both parties. To put it bluntly, whether you or the company, you don't have to pay it if you don't want to.

Among the five insurances and one gold paid by the company for us, pension, medical care and unemployment insurance are paid jointly by the company and individuals; Maternity insurance and industrial injury insurance are paid by the company.

Personal payment: If you are unemployed or you are a freelancer, you can pay the basic medical insurance and old-age insurance yourself, which is voluntary.

If you have a local urban household registration, you can pay social security for residents. If you are registered in a different place and want to apply for social security in the local area, you have to go through the "social security transfer" procedure before you can participate in the insurance.

Second, the proportion of social security projects paid by individuals and companies is different.

1. The social security items paid by the company and the payment ratio are as follows:

Take Beijing as an example:

Endowment insurance: unit contribution ratio 19%, individual contribution ratio 8%;

Medical insurance: individual contribution rate 10%, individual contribution rate 2%+serious illness co-ordination in 3 yuan;

Unemployment insurance: 0.8% for employers and 0.2% for individuals;

Industrial injury insurance: the proportion paid by the unit is approved by social security, and individuals do not pay;

Unemployment insurance: the unit pays 0.8%, and the individual does not.

2. The items that individuals pay social security (especially urban registered residents) are: If you want to pay social security yourself, the only items you need to pay are endowment insurance and medical insurance.

Moreover, according to different regional policies, the amount paid is different.

For example, the payment standard of old-age insurance is 100 yuan per year, and 200 yuan, 300 yuan, 400 yuan, 500 yuan, 600 yuan, 700 yuan, 800 yuan, 900 yuan, 100 yuan and 10 grades can be added according to the actual situation. Insured people can choose their own grades to pay, and pay more. According to the economic development and the growth of per capita disposable income of urban residents, the state adjusts the payment grade in a timely manner.

Relevant policies vary from place to place. If you want to know more about the specific details of personal social security payment, it is recommended to consult the local social security bureau, subject to local policies and regulations.

Third, the benefits paid by individuals are different from those paid by companies.

1. Different payment channels lead to different retirement time.

The company pays social security for you. Men retire at the age of 60, female cadres are 55 and female workers are 50.

You personally pay social security, and men still retire at the age of 60. Women can retire at the age of 50 as long as they pay social security for 10 years in their previous company and reach the retirement age of 15 years. Otherwise, unless it is a special type of work, you will retire at the age of 55.

2. The pension insurance benefits are different.

If you pay social security through the company, you can retire and receive a pension as long as the accumulated payment exceeds 15 and your age is legal. Even if it is not full, you can still receive the pension after 15 as long as you continue to pay.

But individuals can only pay two insurances, endowment insurance and medical insurance. Moreover, because the premiums paid by individuals are often relatively low, and most cities pay annual premiums to individual insured persons, it is voluntary. Compared with companies, individuals pay lower premiums and enjoy lower benefits.

Legal basis:

Labor law of the people's Republic of China

Article 72

The social insurance fund shall determine the source of funds according to the types of insurance and gradually implement social pooling. Employers and workers must participate in social insurance and pay social insurance premiums according to law.