The differences are as follows: First, the types of insurance are different, which is the most obvious difference between individual payment and unit payment. Individuals who pay social security can only participate in two kinds of insurance: endowment insurance and medical insurance; What the unit pays is employee social security, including five basic types of insurance: endowment insurance, medical insurance, work injury insurance, unemployment insurance and maternity insurance. It can be seen that the unit can provide more protection by paying social security. Second, individuals with different payment amounts pay social security, and the general payment ratio is 20%. Then, we must refer to the local average wage and the payment grade provided by the social security department. The lowest grade is 60%, and the highest grade is 300%. Units pay social security, and the proportion of payment is paid by companies and individuals. Endowment insurance is that the unit pays you 20% every month and you pay 8% yourself. Medical insurance is a serious illness plan that the company pays you 9% every month, and you pay 2% yourself, plus 10 yuan. Third, the insured place does not pay social security by itself, and can participate in urban and rural residents' insurance or new rural insurance and new rural cooperative medical system as a flexible employee, but must pay and retire at the place where the household registration is located; The social security paid by the unit must be paid in the place where the unit is located, which has nothing to do with the employee's household registration, but after retirement, the retirement formalities shall be handled according to the household registration policy. Fourth, the pension benefits of employees in different units are generally relatively high, while individuals pay social security according to the high grade and low grade, and the highest is only the average social wage, so the payment base is low, so the treatment is lower. However, the pension benefits in China have always been overpaid, and individuals who pay social security have to pay more if they want to get more pensions.

Legal objectivity:

Article 12 of the Social Insurance Law of People's Republic of China (PRC) * * * The employing unit shall pay the basic old-age insurance premium according to the proportion of the total wages of employees stipulated by the state and record it in the basic old-age insurance pooling fund. Employees shall pay the basic old-age insurance premium in accordance with the proportion of wages stipulated by the state and record it in their personal accounts. "People's Republic of China (PRC) Social Insurance Law" Article 23 * * * employees shall participate in the basic medical insurance for employees, and employers and employees shall pay the basic medical insurance premiums in accordance with state regulations. Article 35 of the Social Insurance Law of People's Republic of China (PRC), the employing unit shall pay the work-related injury insurance premium according to the total wages of its employees and the rate determined by the social insurance agency. Article 47 of the Social Insurance Law of People's Republic of China (PRC) shall be determined by the people's governments of provinces, autonomous regions and municipalities directly under the Central Government, and shall not be lower than the minimum living standard for urban residents. Article 53 of the Social Insurance Law of People's Republic of China (PRC) * * * Employees shall participate in maternity insurance, and the employer shall pay maternity insurance premiums in accordance with state regulations, but employees shall not pay maternity insurance premiums.