The difference between individual pension insurance and flexible employment pension insurance mainly lies in the payment method and payment base. Employee pension insurance is paid by units and individuals in proportion, with unit contributions included in the overall account and individual contributions included in the personal account; The endowment insurance for flexible employees is paid by 2% of the average salary of employees in the last year in the overall planning area, of which 12% is included in the overall planning account and 8% is included in the personal account. Social security for urban residents is an old-age insurance system covering non-employees with urban household registration, while social security for flexible employees is handled by people with urban household registration and non-agricultural household registration in the talent center where they keep their files.

The difference between individual endowment insurance and flexible employment endowment insurance is that individual endowment insurance means that individuals buy endowment insurance by themselves, pay the insurance premium by themselves, and receive pension when they retire. Flexible employment old-age insurance refers to the old-age insurance that flexible employees participate in. Flexible employees and employers pay insurance premiums together and can receive pensions when they retire. The main difference between individual pension insurance and flexible employment pension insurance lies in the different payment methods. Individual pension insurance is paid by individuals themselves, while flexible employment pension insurance is paid by flexible employees and employers. In addition, the scope of individual pension insurance is wider, which can cover more professional groups, while the flexible employment pension insurance is only for flexible employees.

Personal endowment insurance is a kind of personal insurance that targets urban and rural residents. All urban and rural residents over the age of 16 who are in good health and can work or work normally can apply for insurance with insurance companies as insured.

The flexible employment retirement conditions in Youyi County of Heilongjiang Province mainly include the following points:

1. Age: over 6 years old (male) and over 55 years old (female);

2. Working years: more than 25 years for men and more than 2 years for women;

3. Social insurance: having participated in social insurance for more than 15 years;

4. Vocational skills: having certain vocational skills;

5. Economic conditions: There are enough economic conditions to maintain a normal life.

Legal basis:

The Social Insurance Law of the People's Republic of China

Article 11 The basic old-age insurance shall combine social pooling with individual accounts.

The basic old-age insurance fund consists of contributions from employers and individuals and government subsidies.

article 12 an employer shall pay the basic old-age insurance premium in proportion to the total wages of its employees as stipulated by the state and record it in the basic old-age insurance pooling fund.

employees should pay the basic old-age insurance premium according to the proportion of their salary stipulated by the state and record it in their personal accounts.

individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employing unit and other flexible employees who have participated in the basic old-age insurance shall pay the basic old-age insurance premiums in accordance with state regulations and record them in the basic old-age insurance pooling fund and individual account respectively.

article 13 before employees of state-owned enterprises and institutions participate in the basic old-age insurance, the basic old-age insurance premiums that should be paid during the period of deemed payment shall be borne by the government.

when the basic old-age insurance fund is under-paid, the government gives subsidies.

article 1 employees shall participate in the basic old-age insurance, and both the employer and the employees shall pay the basic old-age insurance premium.

individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employer and other flexible employees can participate in the basic old-age insurance, and individuals pay the basic old-age insurance premium.

The measures for endowment insurance for civil servants and staff managed by reference to the Civil Service Law shall be formulated by the State Council.