The difference between social security general account and temporary account.

The difference between social security general account and temporary account is as follows:

1, insured object: general payment account: the insured person was employed in a non-registered place before 201kloc-0/,and after 201kloc-0/,the male turned 50 and the female turned 40; During the interruption of payment, if the insured person reaches the age of 50 for men and 40 for women, the insured place shall not adjust the basic old-age insurance relationship to the temporary basic old-age insurance payment account. You must set up a general payment account.

Temporary payment account: If a man is over 50 years old and a woman is over 40 years old, a temporary basic old-age insurance payment account will be set up at the place where he first participated in the insurance.

2. The transfer ratio of the overall fund (unit payment) in the account is different: general payment account: if the payment ratio is higher or lower than 12%, the transfer amount shall be calculated according to the standard of 12%. Temporary basic pension account: when the insured person is transferred to the inter-provincial floating employment pooling fund, it belongs to the temporary basic pension insurance payment account, and the unit payment ratio exceeds 12%, the transfer amount shall be calculated according to the actual payment ratio; If it is less than 12%, the transfer amount shall be calculated according to 12%;

3. Statutory retirement conditions: general payment account: you can directly register and enjoy the policy when you meet the retirement benefits. Temporary basic old-age pension account: when the insured reaches the conditions for receiving benefits during the establishment of the temporary basic old-age insurance payment account, the place where the basic old-age insurance relationship was originally reserved shall be responsible for collecting and merging the temporary basic old-age insurance payment account;

4. Among them, if there is only a temporary basic old-age insurance payment account, the place where the household registration is located shall be responsible for the collection and merger, and the insured information shall be registered at the same time as the transfer formalities.

Social insurance includes five types of insurance:

1, endowment insurance

The state and society establish a social insurance system in accordance with certain laws and regulations to solve the basic life of workers after they reach the working age limit stipulated by the state, terminate their labor obligations or quit their jobs because of old age.

2. Unemployment insurance

A system of providing material assistance to workers who have temporarily interrupted their sources of livelihood because of unemployment, so as to ensure the basic livelihood of unemployed people during unemployment and promote their re-employment;

3. Work injury insurance

Refers to a social security system in which the state and society provide medical care, living security, economic compensation, medical treatment and vocational rehabilitation to workers and their relatives who suffer from accidents and occupational diseases in production and work;

4. Medical insurance

When a worker is sick or injured, a kind of material help given by the state or society, that is, a social security system that provides medical services or economic compensation. The public medical care and labor insurance medical care established in the early 1950 s in China are collectively referred to as employee medical insurance;

5. Maternity insurance

It refers to a social insurance system that the state and society provide timely material help to ensure the basic life of workers and the medical care needs during pregnancy and puerperium when the labor force is temporarily interrupted due to childbirth.

Social security card function:

1, personal social security related information records, electronic certificates and information inquiry, etc. ;

2. Record the insured's name, ID number, date of birth, gender, nationality, household registration and other basic information;

3, query my pension, unemployment, medical care, work injury and maternity insurance payment;

4. You can take the card to the hospital to see a doctor, settle the medical insurance personal account, and buy medicine at the pharmacy;

5 for medical care, unemployment, pension, work injury, maternity and other social security affairs;

6. Query the total amount of endowment insurance and medical insurance;

7. Handle social security affairs such as receiving pensions, registering for job hunting and unemployment, applying for unemployment insurance benefits, and vocational training.

To sum up, the difference between the general social security account and the temporary account is that the general social security payment account and the temporary payment account are different in the insured object, the transfer ratio of the overall fund (unit contribution) in the account and the calculation of the statutory retirement conditions.

Legal basis:

Article 2 of People's Republic of China (PRC) Social Insurance Law

The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to receive material assistance from the state and society in accordance with the law when they are old, sick, injured, unemployed and have children.

Article 12

The employing unit shall pay the basic old-age insurance premium according to the proportion of the total wages of its 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.

Article 23

Employees should participate in the basic medical insurance for employees, and employers and employees should jointly pay the basic medical insurance premiums in accordance with state regulations.

Article 33

Employees shall participate in work-related injury insurance, and the employer shall pay the work-related injury insurance premium, and the employees shall not pay the work-related injury insurance premium.