Why does my company have to pay so much social security?

There are three kinds of social insurance, one is employee social security, the other is urban social security, and the third is the new rural cooperative medical system. For urban residents, those who have jobs can pay social security on their behalf, and those who have no jobs can pay by themselves. Many people don't know the difference between the social security paid by the company and the social security paid by themselves, so the integration of 360 Bian Xiao will give you a popular science, and there is a big difference between them.

First of all, the nature of payment is different

Companies are obliged to pay social insurance. As long as you work in the company, you must hand it in. It is illegal for some informal small companies not to pay social security to their employees, and they will be punished when they are found.

Personal social security is voluntary insurance. If you think social security is more important and you can afford the monthly payment, pay it yourself, otherwise you don't have to pay it.

Secondly, the qualifications are different.

The premise for the company to pay you social security is that you have a normal job and an affiliated company, but there are no household registration restrictions. Can pay social security for local and off-site employees.

Individuals do not need to have a job to pay social security, but they generally need to have a local account. So if you work in a big city like Beijing, you have no job or hukou, but you want to pay social security, you have to find a friend's company or agency to pay it. Before 360, I had asked a friend's company to give money, including pension, medical care and work injury.

Third, the subject and proportion of payment are different.

Units pay social security, which is jointly paid by units and individuals, and the proportion paid by units is much higher than that of individuals. For example, in Beijing, individuals pay 8% for old-age insurance, units pay 19%, individuals pay 2% for medical insurance and units pay 10%.

But if you pay social security yourself, the subject of payment is yourself, and the rate will be much higher. There are differences in different regions. The proportion of pension insurance payment is between18% and 28%, and the proportion of medical insurance payment is between 6% and10%, all of which are borne by individuals. Most importantly, only 40% of the old-age insurance is included in the personal account, and 60% is included in the social security pooling account. If you don't get it and die, you can only inherit the money in your personal account.

Fourth, the types of compensation are different.

When companies pay social security, they usually pay five insurances, namely, endowment insurance, medical insurance, work injury insurance, maternity insurance and unemployment insurance. Of course, five insurances are not necessary, but three insurances are necessary, so there are also cases where a company only pays three insurances.

There are two ways for individuals to pay social security. One is that files are attached to the talent employment center and insured as urban workers, and the other is that flexible employees are insured. In fact, both of them belong to "social security for urban workers", and they pay three insurances: endowment insurance, medical insurance and unemployment insurance. The difference is that the former is handled in the social security center where the household registration is located, and the expenses are paid by itself, while the latter is handled in the street where the household registration is located, and the files have to be transferred back to the street, and the state gives certain subsidies. Of course, the process is much more troublesome, and the first trial is once a year.

abstract

Comparing the social security paid by the company with the social security paid by itself, we can find that it is much more cost-effective for the company to pay social security, because most of them are paid by the company, and the proportion borne by the individual is very low. All the part paid by the individual for the old-age insurance is transferred to the personal account, which can be inherited before his death; In addition, the part paid by individuals in medical insurance can be directly credited to the medical insurance card and directly used for medical treatment. In Beijing, it is recorded in the medical insurance passbook and can be taken out for use.

If you pay social security yourself, you have to bear all the expenses yourself. Not only that, only 40% of the money in the pension insurance is included in the personal account and 60% is included in the overall account. If you don't live long enough, most of the money you pay will be donated to others for free. Self-funded medical insurance is also included in the overall fund, and individual medical treatment can only be reimbursed and cannot be taken out.

Therefore, if there is a job, it must be paid by the employer. Of course, if there is really no unit to call, you can choose to pay by yourself, but Rong 360 suggests that you'd better choose a low-grade payment. After all, not all the money paid is transferred to your account.

It should also be noted that the above-mentioned social security contributions refer to "social security for urban workers", not "social security for urban residents". If the social security of urban workers is paid by themselves, there is little difference in pension and medical care. But if you pay "social security for urban residents", you will pay both pension and medical insurance. Although the payment amount is relatively low, the treatment will be much worse.

For example, in 20 17, the per capita pension for retired workers in Beijing was 3,770 yuan, but the basic pension for urban and rural residents was only 5 10 yuan, which was not enough for one month's food expenses.

Later, it is necessary to remind the majority of social security participants, especially those who participate in the insurance, that social security should be paid continuously, and try not to interrupt or give up halfway. Pension insurance 15 years after retirement, medical insurance for men for 25-30 years, and women for 20-25 years to enjoy lifelong medical treatment.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.