For social security, most people now know more or less the role. For many regular units, they usually pay social security for their employees, but some small private enterprises do not, so many people will choose to pay by themselves. In this way, they can be guaranteed when they get old. What's the difference between personal social security and enterprise social security?
First of all, let's look at the differences between the concepts of individual social security and enterprise social security
Enterprise social security: the national law mandatory requirements, employers must pay social security to employees. Even if employees sign a contract voluntarily and say they don't buy social security, it's equivalent to forcing both parties to buy social security.
Enterprise social security includes endowment insurance, medical insurance, unemployment insurance, work-related injury insurance and maternity insurance. The pension, medical care and unemployment are jointly paid by the employer and the individual, while the maternity and work-related injuries are fully paid by the employer.
2. Personal social security: it is specially set up for flexible employment and free employment. Social security purchased in this capacity can only pay basic medical insurance and endowment insurance, and social security is paid in the name of individuals, which is not compulsory by the state and belongs to voluntary purchase.
However, if you are a local household register, you can directly pay personal social security. But if you have a remote registered residence, you will need to transfer the social security transfer procedures if you want to handle social security locally.
Let's look at the differences between the items and proportions of individual social security and enterprise social security?
1. Items and proportion of enterprise social security:
Due to the different policy proportions in different regions, here we take Beijing as an example
The payment proportion of endowment insurance is: 19% of the employers and 8% of the employees
The payment proportion of medical insurance is: the employer bears 10% of the payment proportion, and the enterprise employees bear 2% of the payment proportion plus 3 yuan for serious illness;
The proportion of unemployment insurance payment is: 0.8% for employers and 0.2% for individuals
The proportion of work-related injury insurance payment is that the employer pays according to the social security verification, and the enterprise employees do not need to pay.
The payment proportion of unemployment insurance is: the employer bears 0.8% of the payment proportion, and the employee does not need to pay.
2. The items of individual social security include: basic medical insurance and endowment insurance.
The amount of payment varies from place to place.
The payment standard of individual endowment insurance is divided into several grades: 100 yuan, 200 yuan, 300 yuan, 400 yuan & hellip; & hellip; and so on. Local governments can increase the payment grade according to the local actual situation. The insured can choose the level of payment by themselves. According to the policy of endowment insurance, more is more. The state will timely adjust the payment level according to the economic development and the per capita income of urban residents.
Since the payment level is different, then the treatment of individual social security and enterprise social security is certainly different.
The retirement time of individual social security is different from that of enterprise social security
The retirement age of enterprise social security is 60 for men, 55 for women as cadres and 50 for women as workers.
The retirement age of individual social security is: men are 60 years old, while women can retire at the age of 50, except in other cases, at the age of 55.
The pension benefits of individual social security and enterprise social security are different
Enterprise social security as long as in accordance with the policy, pay social security accumulated 15 years, the legal age has reached, then you can apply for retirement pension, if not paid the full number of years, you can continue to pay, until paid 15 years later you can receive the pension.
Individual social security can only pay endowment insurance and medical insurance, and the insurance fees are generally low. Since the payment is relatively low, the treatment you enjoy is naturally low.
And now the enterprise social security is generally five insurances, some companies may also pay five insurances and one fund, so there is a big difference between individual social security and enterprise social security.