What is the difference between individual social security and company collective social security!

1, the nature of payment is different.

The expenses paid by the company include five insurances and one gold, that is, the company helps us pay the expenses of endowment insurance, unemployment insurance, medical insurance, work injury insurance, maternity insurance and housing accumulation fund. Moreover, according to the law, the unit must help employees pay social security, so the company's payment of social security is mandatory and cannot be chosen.

Social security paid by individuals is residents' social security. According to state regulations, social security paid by individuals only includes endowment insurance and medical insurance, while unemployment insurance, work injury insurance and maternity insurance are all paid voluntarily, and the state has no mandatory requirements.

2. The payment amount is different

Social security, pension, medical care and unemployment insurance paid by units and individuals, maternity insurance and industrial injury insurance paid by units, accounting for the bulk. In this regard, the unit pays social security, of course, much more favorable than the individual.

All expenses incurred by individuals in paying social security, endowment insurance and medical insurance shall be borne by themselves.

3. Different payment bases

The payment base of social security paid by the unit is: the average wage of employees in the previous year (if the average wage of employees in the previous year is higher than the average wage of society by 300%, it will be paid by 300%; If the average wage of employees in the previous year was lower than 60% of the average social wage, it will be paid at 60%. In other words, the base of social security paid by the unit is linked to the average salary of the employees themselves.

The payment base of personal social security is fixed at high, medium and low levels for individuals to choose. The three-level payment base is between 60% and 300% of the average social wage and is not linked to personal income.

4. Need to pay different kinds of insurance.

The social security paid by the company includes five insurances and one gold;

The social security paid by individuals is only medical insurance and endowment insurance.

5. Enjoy different treatment

More obviously, it is reflected in the retirement age of the insured. Female cadres who have a company to help pay social security retire at the age of 55, and female employees retire at the age of 50;

Women who pay social insurance in their personal capacity retire at the age of 55. The retirement age of men, no matter how to pay social security, is 60.

Baidu Encyclopedia-Personal Social Security

Baidu encyclopedia-social insurance