Social security paid by individuals includes basic pension insurance, basic medical insurance, maternity insurance, work-related injury insurance and unemployment insurance.

Personal social security includes basic pension insurance and basic medical insurance.

Employee social security includes basic pension insurance, basic medical insurance, maternity insurance, work-related injury insurance, and unemployment insurance.

Employers shall declare and pay social insurance premiums in full and on time on their own. Payment shall not be postponed or reduced except for legal reasons such as force majeure.

The social insurance premiums that employees should pay shall be withheld and paid by the employer, and the employer shall notify the employee of the details of the social insurance premiums paid on a monthly basis.

Social security is divided into unit payment part and individual payment part.

The specific social security payment proportions are: 1. Pension insurance, the unit and individual pay 20% and 8% respectively; 2. Medical insurance, the unit and individual pay 12% and 2% respectively; 3. Unemployment insurance, the unit and individual pay respectively

2%, 1%; 4. Maternity insurance units pay 0.60%, individuals do not pay; 5. Work-related injury insurance units pay 2%, individuals do not pay.

In various places, 60% to 300% of the average social wage is generally used as the base for social security payment. If the average wage is less than the lower limit, it will be calculated as the lower limit, and if it exceeds the upper limit, it will be calculated as the upper limit.

Due to historical and practical reasons, the average social wage is falsely high and cannot fully reflect the true situation of the average income of social groups. Therefore, the linkage mechanism between the social security payment base and the average social wage is itself questionable. In addition, the social security payment base has risen.

The payment burden on enterprises and low-income groups will inevitably increase. How to balance the rights and obligations of insured persons requires overall consideration and corresponding supporting measures to reduce social security payment rates.

The contribution ratio for the five social security items including childbirth and childbirth is 36.6% for enterprises and about 11% for individuals. The total is more than 40% of an individual's salary, which is relatively high internationally. In the context of high social security payment rates, this is a significant increase.

Increasing the social insurance payment base will undoubtedly further increase the payment burden and affect the enthusiasm for participating in insurance. The Third Plenary Session of the 18th Central Committee of the Communist Party of China clearly pointed out that the coverage of social insurance payment should be expanded and the social insurance payment base and premium rates should be appropriately reduced.

It must be carried out simultaneously to reasonably adjust the levels of different income groups and reduce the burden on low-income people. Legal basis: Article 2 of the "Social Insurance Law" The state establishes social insurance systems such as basic pension insurance, basic medical insurance, work-related injury insurance, unemployment insurance, and maternity insurance.

The rights of citizens to obtain material assistance from the state and society in accordance with the law in the event of old age, illness, work-related injury, unemployment, childbirth, etc. Article 16 of the "Social Insurance Law" shall ensure that individuals who participate in basic pension insurance shall have paid the full amount when they reach the legal retirement age.

For fifteen years, a basic pension will be received on a monthly basis. If an individual who has paid for the basic pension insurance for less than fifteen years when reaching the legal retirement age can pay for fifteen years, he or she will receive a basic pension on a monthly basis;

Enroll in the new rural social pension insurance or urban resident social pension insurance and enjoy corresponding pension insurance benefits in accordance with the provisions of the State Council. Article 28 of the "Social Insurance Law" complies with the basic medical insurance drug catalog, diagnosis and treatment items, medical service facility standards, and emergency and rescue services.

Medical expenses shall be paid from the basic medical insurance fund in accordance with national regulations. Article 41 of the "Social Insurance Law" If the employer fails to pay work-related injury insurance premiums in accordance with the law and a work-related injury accident occurs, the employer shall pay for work-related injury insurance benefits.

If no payment is made, the work-related injury insurance benefits paid in advance from the work-related injury insurance fund shall be reimbursed by the employer.

Article 46 of the "Social Insurance Law" stipulates that if the employer and the individual have paid one year in total but less than five years before losing their job, the maximum period for receiving unemployment insurance benefits shall be twelve months;

For ten years, the maximum period for receiving unemployment insurance benefits is eighteen months; for those who have paid cumulative contributions for more than ten years, the maximum period for receiving unemployment insurance benefits is twenty-four months after re-employment and unemployment again.

Recalculation, the period for receiving unemployment insurance benefits and the period for unemployment insurance benefits that should be received but have not been received during the previous unemployment shall be calculated together, and the maximum period shall not exceed 24 months. Article 54 of the Social Insurance Law The employer has paid.

If maternity insurance premiums are paid, the employees shall enjoy maternity insurance benefits; the unemployed spouses of the employees shall enjoy maternity medical expenses benefits in accordance with national regulations.

The required funds are paid from the maternity insurance fund.

Maternity insurance benefits include maternity medical expenses and maternity allowances.

Article 63 of the Social Insurance Law: If an employer fails to pay social insurance premiums in full and on time, the social insurance premium collection agency shall order it to pay within a time limit or make up the amount.

If an employer fails to pay or make up for social insurance premiums overdue, the social insurance premium collection agency may inquire its deposit account with banks and other financial institutions; and may apply to the relevant administrative department at or above the county level to make a decision to allocate social insurance premiums and notify it in writing

The bank or other financial institution where the account is opened transfers social insurance premiums.