The difference between employee endowment insurance and resident endowment insurance! See how much you know? But before we talk about the difference, we should talk about the commonness of the two. Both of them are insurances that can receive retirement benefits when they reach the legal retirement age after they have paid 15 years. I think the biggest difference between the two insurances is the level of receiving treatment. The payment of endowment insurance for employees is high, and the treatment received is high. The payment of medical insurance for residents is low, so the treatment received is relatively low.
Here are the points that you are concerned about and make a difference:
1. Payment methods and payment standards are different.
Employees' pension is paid by month; residents' pension is paid by year.
As an individual, the endowment insurance of the insured employees shall be paid monthly. From 60% to 100% of the social average, the payment grade shall be selected by myself. The lowest is 674, and the highest is 1123.2 yuan per month.
A person's status to participate in the residents' endowment insurance shall be paid annually in 12 grades, with RMB 100-1000 for grade 1-10, RMB 1500 for Grade 11 and RMB 2000 for grade 12.
2. The payment amount is calculated differently.
Employee pension insurance is calculated according to social security, and its annual payment amount will change with the rise and fall of social security. And residents endowment insurance, choose the standard is such a standard, unless you change the level, otherwise you will always pay according to this level.
3. The calculation standard of retirement benefits is different.
There is a big difference between the two pension calculation formulas, and the employees are higher than the residents. Moreover, after receiving the treatment, the residents' endowment insurance has no other treatment except for the treatment of the birth of children and the additional treatment of the elderly. And the treatment of endowment insurance for employees will be adjusted every year, with the social security going up.