What's the difference between enterprises paying social security and individuals paying social security?

Four major differences between companies paying social security and individuals paying social security;

be different in nature

Social insurance paid by companies: compulsory

According to the social security law, the employer must pay social insurance in full and on time for its employees, which is a legal compulsory obligation and a legal obligation of both parties, and both parties of labor relations cannot change it through consultation.

For unemployed or flexible employees, you can voluntarily pay social security at the agency where the household registration or residence permit is located, or you can find a company to help you pay.

Different types of insurance

The company pays social security: it can participate in 6 kinds of insurance.

Personal social security payment: you can only participate in two kinds of insurance.

The payment amount is different

Social security paid by the company: Social security is shared by the company.

The company bears about two-thirds of the premium and one-third of the premium itself. For example, for the old-age insurance in Xiamen, the unit pays 12%, and the individual only needs to pay 8%.

Individual payment of social security: all individuals bear it.

I don't work in the company, but I want to pay social security myself, so I can only bear the premium in full. For example, for endowment insurance, individuals need to pay 20%.

Enjoy different treatment

Companies pay more social security than individuals, including maternity insurance, unemployment insurance, work injury insurance and serious illness insurance.

Employee medical insurance has a personal account, and the part paid by the unit will be transferred to the personal account in proportion every month. Moreover, the money inside will generate interest, which is owned by individuals and can be used to see a doctor and buy medicine.

Individuals pay social security: enjoy two insurance benefits.

You can only pay two insurances, but you can't enjoy work injury insurance, unemployment insurance and maternity insurance.

Without a work unit, how can individuals pay social security

1, pay social security yourself

You need to handle it yourself, and you can only enjoy medical insurance and endowment insurance. Individuals participate in medical and endowment insurance for urban workers as flexible employees, and these two insurances enjoy the same treatment as those paid by the company. Among them, employees' medical insurance has been paid for a certain number of years (except Xiamen, Fujian, which takes 25 years for both men and women; Xiamen male 25 years, female 20 years), can enjoy medical insurance benefits for life after retirement.

Individuals who participate in medical insurance for urban and rural residents as residents have no personal accounts, and all the money paid each year goes into the national pooling fund. Among them, after urban and rural residents reach the statutory retirement age, they still need to pay an annual fee to enjoy medical insurance benefits.

To sum up, it is more cost-effective for the unit to pay social security.

2. Find a professional human resources company to help you pay social security.

You don't need to run errands yourself, you can enjoy the benefits of five insurances, and the social security fee is cheaper than paying yourself. Paying social security by yourself has limitations. If you want to apply for maternity allowance after giving birth, you can enjoy the reimbursement of maternity medical expenses for maternity items such as birth check-up and B-ultrasound.

To sum up, you must go to work if you can go to work. Not only can you get a salary, but the unit will also bear most of the social security expenses for you. If you really can't go to work for some reason, it is recommended that individuals take insurance and pay for employee medical care and employee pension. Of course, it is best to find a professional social security company to pay. The money paid is not much different, but the treatment enjoyed is more.