1, the proportion of social security in company name and individual name is different:
Endowment insurance: 20% for the unit and 8% for the individual (self-paid into the personal account). ?
Medical insurance: 8% for the unit and 2% for the individual (if you pay yourself, it will be credited to your personal account). ?
Unemployment insurance: 2% for the employer and 0/%for the individual. ?
Work-related injury insurance: 0.2-2% for the unit, not paid by the individual. ?
Maternity insurance: the unit is 0.6- 1%, and the individual does not pay.
2. The procedure for individuals to pay social insurance is different from that for companies:
Personal contribution:
1) Participation conditions: urban hukou or rural hukou.
2) Handling place: local community street social security service points, or district and county social security bureaus (labor and social security bureaus).
3) How do individuals pay the basic information needed in social security issues: household registration book, ID card and its copy, and two 1 inch photos.
4) Payment standard: based on the local social wage in the previous year, the proportion of pension payment is 20%, and that of medical care is about 9%. At present, 80% and 100% are still available.
Company's contribution:
1) Go to the Social Security Bureau to open an account.
2) Go to the Social Security Bureau to get the employee social security declaration and approval form.
3) Go to the local taxation bureau to change the tax payment book.
4) Pay at the company's bank. Pay at the company's bank with the tax payment certificate.
These two kinds of insurance are different.
1) The social security of employees in the company generally includes endowment insurance, medical insurance, work injury insurance, unemployment insurance and maternity insurance, which is referred to as five insurances for short.
2) Social security for flexible employees only participates in endowment insurance and medical insurance, and some areas can participate in unemployment insurance. The types of insurance are relatively simple.
4. The payment amount is different.
1) Social security, pension, medical care and unemployment insurance paid by the unit are shared by the unit and the individual, with the unit accounting for the majority and the individual accounting for the minority. In addition, maternity insurance and industrial injury insurance are paid by the unit.
2) The expenses paid by individuals for social security, old-age insurance and medical insurance are all borne by them, and the payment amount is relatively large.
5. The household registration restrictions are different.
1) social security paid by the company can be paid as long as it is full-time work, regardless of local or foreign.
2) Individuals who pay social security must be locals, and other places can only participate in employee social security, with certain geographical hukou restrictions.
Extended data:
First, the disadvantages of paying social security by yourself:
Generally speaking, there are two common ways to pay social security. One is to have a local account and pay through the local social security center, which can pay social security for urban residents or urban workers. But the former is more complicated to handle, and it is more common to pay social security for urban workers.
The second is that there is no local account and payment is made through an agent. In these two cases, three insurances, namely, endowment insurance, medical insurance and unemployment insurance, are paid. Let's talk about why paying social security is a loss.
Social security is paid through the social security center with reference to the average salary of local employees in the previous year. The minimum payment base of endowment insurance is 40% of the local average salary in the previous year, and the payment ratio is 20%. The minimum payment base of medical insurance is 60% of the local average salary in the previous year, and the payment ratio is 5%.
For example, the average salary in Beijing in 20 16 years is 7706 yuan, and the minimum payment is 7706*40%*20%=6 16.48 yuan.
It is worth noting that 6 16 yuan's endowment insurance is all your own money, but only 40% can be transferred to your personal account, and the other 60% will be transferred to your overall account. All the money in your personal account is your own, and you can earn interest every year. In 2065,438+06, the annual interest rate was above 8%.
However, the money in the overall account belongs to everyone. After the national pension is coordinated, the money in this pool should be distributed nationwide. In other words, part of your own pension insurance is to support others.
Second, the benefits of the unit to pay social security:
It is definitely the most ideal for the company to pay social security. First of all, you enjoy different insurance benefits. After the unit is insured, if you lose your job one day, you can receive unemployment benefits for at least a period of time; Secondly, you can save some money. However, there are also many companies that just don't think about employees and just want to save costs. When signing a labor contract, try to lobby employees to pay social security themselves, and the unit can give some subsidies.
In addition, it is worth noting that it is illegal for the unit to give subsidies without paying social security, even if the employees agree, it is also an invalid clause. According to the relevant provisions of the Social Insurance Law, it is the legal responsibility and obligation of enterprises to participate in social insurance for employees. It is also the legitimate rights and interests of employees to participate in social security and enjoy social security benefits according to law. Workers have the right to supervise the unit to pay wages for them and check the actual payment.
References:
Baidu encyclopedia social security
Baidu encyclopedia personal social security