In the unit to pay social security is more cost-effective than the individual to pay social security, but pay attention to four issues, or will suffer losses

In our daily life, we always mention social insurance, social security contains a lot. Social security can protect our daily life, once the accident will take effect in time to provide protection, now social security has become an integral part of daily life, no matter how old we are, pay social security for us have great benefits. As time changes, social security is also constantly updated, the welfare policy is also more and more good.

Of course, the payment of social security is also differentiated, so we will understand what is social security? On the payment of social security on the distinction, as well as the payment of social security when we should pay attention to what.

A, what is social security

Social insurance is an important part of the social security system. If we are incapacitated and can't go to labor to earn money, or if we are temporarily unemployed and other such similar events that prevent us from earning income, then social security will protect our lives and provide us with help. Also the fact that social security is part of the state's rollout means that social security is a very trustworthy policy for us.

Social security is the same as the five types of insurance that we talk about in our daily lives, including pension insurance, unemployment insurance, work injury insurance, medical insurance, and maternity insurance. Social security is a legal insurance that we need to pay. As long as we pay the insurance according to the law, once we meet the situation, it will take effect to protect our life.

Social security can be how to pay

The first is in the unit on behalf of the payment: that is, we can work in their own company on behalf of the payment, the enterprise will be in accordance with your average salary to pay you respectively. The social insurance of the workers' compensation insurance and maternity insurance are not required to be borne by us personally, they are paid by the enterprise for us. The enterprise according to the previous year's average salary of 8% to pay pension insurance, 2% to pay medical insurance, 1% to pay unemployment insurance.

The second type of social insurance is the personal payment. Individuals need to pay according to the stipulated contribution base at the time of payment of social security, and each region's policy will be different. However, medical insurance is based on the average salary of the previous year, and the index is usually between 6% and 10%.

We can pay with our social security cards, and we can bring our ID cards to the regional social security centers to pay our social security contributions. Of course this will still be a little bit of trouble, we can also pay directly on the Internet, we can check their identity information in the social security business website and then enter the password to pay.

Three, the unit to pay the difference between social security and personal social security

Social security is a legal effect, in the enterprise to pay a kind of fulfillment obligations. However, the unit to pay social security and personal payment of social security money is also different, in the unit can enjoy the five insurance, every month need to pay. Individuals can choose to pay the month, but can not enjoy the maternity insurance, unemployment insurance and workers' compensation insurance, you can only pay pension insurance and medical insurance.

The unit to pay social security need to units and their own to bear these insurance, the company to pay most of the small part of the need to bear the payment. That is to say, in the unit to pay social security is not only convenient but also can make their own less money, however, personal payment will not enjoy the benefits. Individuals pay social security we not only have to pay more money and can not enjoy all five insurance, so that in the enterprise to pay social insurance is undoubtedly a very appropriate situation.

The reason why it is convenient to pay the social security is that whenever we settle the salary, it will be directly deducted by the enterprise, and then paid by the enterprise. But if you choose to pay your own social security, you need to go to your domicile to pay. Nowadays, it is possible to pay online, but the amount of money you have to pay is much higher than the amount of money you have to pay by the company.

Four, social security should pay attention to the following four points

The first is to pay social insurance is necessary. Because social insurance is a strong policy introduced by the state, we need to pay every year, no matter what kind of form the unit is required to pay social security on behalf of each employee. Social insurance can not not pay, can not pay less, can not be omitted, treat social insurance needs to be strictly abide by us, can not have a sense of chance. Once found we will not only lose credibility, the future will not be able to loan.

The second is that in any case we can pay the social security. Whether we change companies or travel, our files and information were changed can pay social security, these reasons are not restricted. It is illegal for a company to refuse to pay social security for any reason. Inevitably, some unscrupulous companies will rely on these reasons to fool their employees.

So when a company pays social security we have to make sure that the company has not paid enough money for insurance. Once found that the enterprise omission or underpayment can be reported, because this is a kind of illegal behavior. We should also have legal assistance to protect our rights and interests.

The third is that college students do not need to pay social security when they go to work as interns. Because the students still belong to the school, can only sign the internship third-party agreement, and can not be counted on the real work of the employees. If a college student goes to an internship and the company asks for payroll deduction to pay your social security, then it must be an excuse to deduct your salary in disguise. So college students must pay attention to the internship, in order to prevent the enterprise pit money.

The fourth is that once we reach the age of retirement in the organization, we should be timely for the retirement procedures. If you do not timely for this business also means that you still need to continue to pay social security in the company, but also can not timely enjoy the pension insurance and pension benefits. The social security you pay will not be able to withdraw, which is too much of a loss for the retired elderly.

Paying social security is very important, but it is also important to realize the above four points. These four points are insignificant little things that will not attract attention, but will make us lose. So we need to be aware of these things to avoid us wasting our money for nothing.

Conclusion

Social insurance is a kind of welfare that protects our daily life all the time. At the same time, we should also understand the social insurance, which not only allows us to get better convenience, but also allows us to be less likely to be cheated by the enterprise, once we meet the unreasonable situation we can also protect our rights and interests in accordance with the law.