What's the difference between paying social security and paying it yourself?

The main difference lies in the payment subject, operation process, risk bearing and possible preferential treatment.

First, the payment subject.

Paying social security refers to the payment of social insurance premiums by third-party institutions or individuals, and individuals pay social insurance directly to social security institutions. In the process of paying social security, third-party organizations or individuals become a bridge to help complete the whole payment process; In paying social security by oneself, individuals need to complete all the payment processes independently.

Second, the operation process

It is usually easier to pay social security, and individuals only need to hand over the relevant expenses to third-party institutions or individuals, who are responsible for the subsequent operation and communication. Self-payment of social security requires individuals to understand and master the payment process of social security institutions, and complete the payment by themselves according to the prescribed time and method.

Third, take risks.

In the payment of social security, there may be certain risks because it involves third-party institutions or individuals. For example, third-party institutions or individuals may not pay social insurance premiums in full and on time, resulting in damage to personal social security rights and interests. However, there is no such risk in paying social security by yourself. Individuals can directly control their own payment and ensure that their rights and interests are not harmed.

Fourth, preferential treatment.

In some cases, paying social security may enjoy certain preferential policies or discounts. This is because there may be a cooperative relationship between third-party institutions or individuals and social security institutions, and certain preferential conditions can be obtained. And pay social security by yourself, usually only in accordance with the prescribed standards, and can not enjoy such benefits.

To sum up:

There are obvious differences between paying social security and paying social security by yourself in payment subject, operation process, risk bearing and preferential enjoyment. Whether to pay social security or to pay social security yourself should be weighed and chosen according to the actual situation and needs of individuals. For individuals who are not familiar with the social security process or want to simplify the operation process, paying social security may be a more convenient choice; For individuals who want to directly control their social security rights, it may be more appropriate to pay social security by themselves.

Legal basis:

People's Republic of China (PRC) social insurance law

Article 58 provides that:

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.

People's Republic of China (PRC) social insurance law

Article 60 provides that:

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.

Interim regulations on the collection and payment of social insurance premiums

Article 12 stipulates:

Payment units and individuals shall pay social insurance premiums in full in monetary form. The social insurance premium that the payer should pay shall be withheld and remitted from his own salary by his unit.