Which is better, enterprise endowment insurance or individual endowment insurance?

Employee pension insurance is definitely better than individual pension insurance.

1。 Individuals only need to pay the old-age insurance premium according to the base, and the unit pays the old-age insurance premium according to the average wage base of employees in the province last year. The basic pension after retirement consists of overall pension and personal account pension. Under the same payment base, the individual contribution of enterprise employee pension insurance is only 40% of the pension insurance for flexible employees. According to the regulations, the individual contribution ratio of employee pension insurance is 8%, and the individual contribution ratio of flexible employees pension insurance is 20%, 8%/20% = 40%. To achieve the same effect, the amount paid by flexible employees must be 2% of the employee pension insurance participants. Five times.

The materials required for social security payment are as follows:

1, personal social security, personal social security can only participate in old-age insurance and medical insurance, and you need to bring your valid ID card, unemployment certificate and two 1 inch photos to the local social security center;

2. The enterprise pays social security for its employees, and provides the original and photocopy of the enterprise business license, the original and photocopy of the organization code certificate, the photocopy of the ID card of the insured employee, the payroll of the insured employee and the official seal.

I hope the above content can help you. Please consult a professional lawyer if you have any other questions.

Legal basis: Article 10 of the Social Insurance Law of People's Republic of China (PRC), employees shall participate in the basic old-age insurance, and the employer and employees shall jointly pay the basic old-age insurance premium.

Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employer and other flexible employees can participate in the basic old-age insurance, and individuals pay the basic old-age insurance premium.

The measures for the endowment insurance of civil servants and staff managed by reference to the Civil Service Law shall be formulated by the State Council.

Eleventh basic old-age insurance to implement the combination of social pooling and individual accounts.

The basic old-age insurance fund consists of employers, individual contributions and government subsidies.

Article 12 The employing unit shall pay the basic old-age insurance premium according to the proportion of the total wages of employees stipulated by the state and record it in the basic old-age insurance pooling fund.

Employees shall pay the basic old-age insurance premium in accordance with the proportion of wages stipulated by the state and record it in their personal accounts.

Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employing unit and other flexible employees who have participated in the basic old-age insurance shall pay the basic old-age insurance premiums in accordance with state regulations and record them in the basic old-age insurance pooling fund and individual accounts respectively.