What's the difference between residents' social security and employees' social security?

1. Employees' social security is different from residents' social security.

Medical insurance for employees is compulsory. Working in an enterprise, the enterprise must pay five insurances for its employees, namely, endowment insurance, medical insurance, maternity insurance, industrial injury insurance and unemployment insurance. Among them, 20% are individuals with endowment insurance, 8% are individuals with medical insurance, and the rest are paid by the company. With the gradual improvement of various national systems, regular enterprises now pay social security for their employees.

Residents' social security is paid voluntarily by individuals. At present, it only includes endowment insurance and medical insurance, and the expenses are all borne by individuals.

2. The payment time of employee social security and resident social security is different.

Employees' social insurance is paid monthly. When they pay their salary every month, social security will deduct it from our salary. They need to pay 15 years to retire at the specified age, while residents' social security is paid annually, and they also need to pay 15 years to go through the statutory retirement procedures.

3. Employees' social security and residents' social security contributions are different.

The amount of employee social security will vary from enterprise to enterprise. Basically, every July is adjusted according to the average monthly salary of the previous year. In order to save costs, most enterprises will choose the lowest standard to pay, and employees of public institutions will generally pay according to the highest grade, so the gap between different units is actually very large.

Residents' social security is also graded, ranging from several hundred yuan to several thousand yuan, and most of them are paid according to their own economic ability. Under the same grade, the amount of money paid by employee social security and individual social security is very different, and the amount paid by employees is much lower.

4. Employees' social security is different from residents' social security, pension and medical care.

Employees' social security areas are different, and their pensions will be different. Generally speaking, employees receive a monthly pension after social security retirement = basic pension+personal account pension. Employees pay more social security when working in big cities such as Beijing, Guangzhou and Shenzhen, and receive more after retirement. Social security for residents means that I am 60 years old, and the amount I receive every month is: all the fees paid and the interest generated are divided by 139 months. What is the figure?

Employees' personal medical insurance accounts can be used as outpatient expenses, or they can buy medicines at designated pharmacies themselves, and about 85% of them can be reimbursed for hospitalization. Residents pay medical insurance for one year, the outpatient expenses can be ignored, and the hospitalization reimbursement is about 50%.