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How to transfer personal social security to corporate social security? The difference between person

Now social security is very important for everyone, which is closely related to everyone's own interests and life security after retirement. Therefore, everyone pays more and more attention to social security. Now many units will pay social security for their employees, and individuals who do not pay social security will also pay social security. However, if you have paid social security before, and then the company can pay social security for yourself, how can you transfer personal social security to company social security? What's the difference between personal social security and corporate social security? In fact, the transfer of individual social security to corporate social security only needs to apply for individual suspension of insurance, and then the enterprise can renew the insurance. In this article, let's understand the difference between personal social security and corporate social security.

​&# 8203;&# 8203;&# 8203;&# 8203;&# 8203;&# 8203; First, different types of insurance.

Individual social security, in accordance with the provisions of the social insurance law, can only include basic old-age insurance and basic medical insurance.

Company social security can include basic endowment insurance, basic medical insurance, industrial injury insurance, maternity insurance and unemployment insurance.

Moreover, the company's social security can also pay supplementary endowment insurance and supplementary medical insurance. Good state-owned enterprises and institutions have established enterprise annuity or occupational annuity. At present, trade unions in some developed regions are also organizing trade union mutual insurance.

Some units also pay commercial accident insurance to their employees, mainly municipal cleaning workers or high-risk industries.

There are two kinds of insurance that enterprises cannot pay, namely, old-age insurance and medical insurance for urban and rural residents.

Urban and rural residents' pension and medical insurance can only be insured by individuals, belonging to the registered residence residents. Most areas can only pay in registered residence. Now, in order to take care of migrant workers, some areas also allow migrant workers to pay medical insurance for urban and rural residents locally, but basically do not include old-age insurance for urban and rural residents.

Second, the cost is different.

Individuals pay employee social security generally by confirming their identity as flexible employees.

Including residents' social security, individuals bear all social insurance premiums.

Enterprises pay social security, industrial injury insurance, maternity insurance and commercial insurance, which are generally borne in full by the employer. Basic endowment insurance, basic medical insurance and unemployment insurance are borne by enterprises and individuals.

For employees participating in enterprise payment, the proportion of basic endowment insurance and basic medical insurance borne by individuals is the same as that of the whole country, both of which are 8% and 2% of the payment base. Moreover, the state also stipulates that all the money paid by individuals will be entered into individual accounts.

Flexible employment insurance is also transferred to individual accounts according to the proportion of 8% and 2%, but the amount of money borne by individuals is more.

Third, the payment rates are different.

When enterprises pay social security, they often bear higher rates. As the social security paid by enterprises is generally divided into two parts, the individual part and the enterprise part. The payment proportion of the individual part is the above-mentioned 8% and 2%.

In addition, the individual share of unemployment insurance is less than 1%, and all localities can adjust themselves. The registered residence in rural areas, the regulations on unemployment insurance regulations, do not require unemployment insurance.

The payment rate of endowment insurance borne by enterprises is generally 13% to 20%. The higher the pressure of income and expenditure of endowment insurance fund, the higher the payment proportion.

For flexible employees to participate in the payment, the state often takes care of the payment of old-age insurance. Generally, the payment is made according to the proportion of 20% of the total and 1% to 8% higher than that of enterprises. Hangzhou pays at a rate of 18%, which is very favorable.

Flexible employees participate in basic medical insurance. Some regions such as Yantai have specially developed employee medical insurance without medical insurance personal account, which can also effectively reduce the personal burden. The payment rate can be reduced by about 3.5%.

In addition, flexible employees pay their own social security. As long as they have difficulties in employment, they can enjoy the social security subsidy for employees who have difficulties in employment for 3 to 5 years, which can generally subsidize 50% to 66% of their personal payment expenses. It's also pretty good.

Fourth, different types of insurance have different connection conditions.

Although the old-age insurance for urban and rural residents and the old-age insurance for employees can be connected with each other, it is only the connection of individual accounts. The payment period of old-age insurance for urban and rural residents can not be used as the retirement treatment of old-age insurance for employees.

The medical insurance for urban and rural residents cannot be connected with the medical insurance for employees, unless there are higher-grade payment insurance types in the local area.

Fifth, individual retirement ages are different.

The retirement age of female flexible employees in some areas is 55, but the retirement age of enterprise employees is 50. All localities have problems in connecting with each other. For example, Zibo and other places are allowed to work in enterprises for more than ten years, and they can retire at the age of 50, but some places can't.

Therefore, despite the above differences, we pay the same insurance, which is completely consistent in various treatments, including pension formula and medical insurance reimbursement ratio. You can rest assured.