What is the difference between individuals and units participating in social security?

1, the types of insurance that pay social security are different.

Self-employed individuals have to pay social security as long as they pay endowment insurance and medical insurance.

The company needs to pay five items for employees: endowment insurance, medical insurance, unemployment insurance, work injury insurance and maternity insurance.

2. The payment base is different.

The social security payment base paid by the unit is: the average salary of employees in the previous year (300% of the monthly high social security, 300% paid; If it is lower than 60% of the social level, it will be paid at 60%). That is to say, it is linked to the average salary of employees themselves.

The payment base for individuals to pay social security is fixed at high, medium and low levels for individuals to choose from, and the payment base of the three levels is between 60% and 300% of the social security level.

3. The payment ratio is different.

Old-age insurance: the proportion of the basic old-age insurance premium paid by the employer generally does not exceed 20% of the total wages of the enterprise, and the individual employees pay 8% of their own wages.

Medical insurance: The employer's contribution ratio is controlled at about 6% of the total wages of employees, and the employee's contribution ratio is generally 2% of his salary income.

Unemployment insurance: From March 1 2005, the unemployment insurance rate will be temporarily reduced from 3% stipulated in the current regulations to 2%, and the specific contribution ratio of units and individuals will be determined by the people's governments of provinces, autonomous regions and municipalities directly under the Central Government.

Industrial injury insurance: From 20 15 10 1, adjust the current industrial injury insurance rate policy, and realize the target requirement of "overall reduction" by adjusting and improving the industrial injury insurance rate policy.

Company contribution: total amount of five insurances and one gold = social security contribution base × (pension insurance ratio+medical insurance ratio+unemployment insurance ratio+provident fund ratio) +3, in which pension, medical insurance and unemployment insurance are paid by individuals and enterprises respectively.

Endowment insurance premium: the unit pays 20% and the individual pays 8%.

Unemployment insurance premium: the unit pays 2%, and the individual pays 1%.

Medical insurance premium: the unit pays 8% and the individual pays 2%.

Industrial injury insurance and maternity insurance do not need to be paid by individuals, but are all paid by enterprises. However, as an individual, paying social insurance premiums requires personal commitment.