Is there any difference between paying insurance by yourself and paying it by company?

First, the nature of the attributes is different The insurance paid by the enterprise is five insurances, which belong to the employee insurance, including the five insurances of endowment, medical care, work-related injury, maternity and unemployment. After retirement, the basic pension insurance for employees of enterprises can enjoy retirement benefits. The social security we pay by ourselves belongs to the insurance for urban and rural residents, which is the insurance for flexible employees.

These are two essentially different classifications from employee insurance, and they cannot be treated uniformly. Although individuals who pay social security are also participating in pension and medical insurance, the amount of money paid and the treatment are still different from those of employees. Second, the payment base is different The payment base of the unit to pay social security is:

The average salary of employees in the previous year (if the average salary of employees in the previous year is higher than 300% of the average social wage, it shall be paid according to 300%; If the average wage of the employee in the previous year is lower than 60% of the average social wage, it shall be paid at 60%), that is to say, the base of the unit's social security payment is linked to the average salary of the employee himself. The payment base for individuals to pay social security is fixed at high, medium and low levels, for individuals to choose, and the payment base of the three grades is between 60% and 300% of the average social wage, which is not linked to personal income. Third, the amount of payment is different The unit pays social security endowment, medical and unemployment insurance by the unit and the individual, and the maternity insurance and work-related injury insurance are paid by the unit, and the unit accounts for the majority.

All expenses of endowment insurance and medical insurance paid by individuals to social security shall be borne by the individual. Fourth, the place of payment is different Units pay social security regardless of local or foreign, as long as they work full-time, they can pay social security at the place of work of employees. Individuals must pay social security for locals, and non-residents need to return to the place of household registration to pay social security.

First of all, there is a difference in the type of insurance paid.

The company's contributions generally include: endowment insurance, unemployment insurance, medical insurance, work-related injury insurance and maternity insurance, as well as housing provident fund.

If you are an individual, you can only pay pension insurance and medical insurance.

There is also the difference in payment.

There are several grades of individual contributions, ranging from 60%-300% of the average social wage; 20% for companies and 8% for individuals.

Therefore, if you work in the company, it is still the most cost-effective for the company to pay.

What is the difference between paying pension insurance by yourself and paying it by unit.

The differences between individual social security payment and enterprise payment are as follows:

1. The cost is different

Individuals need to bear the part of individual and enterprise contributions to pay social security, and enterprises pay social security as part of the individual and part of the enterprise as the enterprise.

2. Insurance is different

Individuals only need to pay medical insurance and pension insurance to pay social security, and the provident fund chooses the amount to pay. Enterprises need to pay endowment insurance, medical insurance, maternity insurance, work-related injury insurance, unemployment insurance and provident fund to pay social security.

3. Different benefits:

If an individual does not pay maternity insurance, work-related injury insurance, and unemployment insurance, he or she cannot enjoy the benefits of these three types of insurance.

1. The types of insurance paid are different, and the social security paid by the general company has five insurances, and the social security bought by individuals can only be endowment insurance and medical insurance;

Employers and individuals within the territory of the People's Republic of China who pay social insurance premiums in accordance with the law have the right to inquire about payment records and records of individual rights and interests, and to request social insurance agencies to provide social insurance consultation and other related services. Individuals enjoy social insurance benefits in accordance with the law, and have the right to supervise their own units' contributions for them. The State shall establish social insurance systems such as basic endowment insurance, basic medical insurance, work-related injury insurance, unemployment insurance, and maternity insurance, to ensure citizens' right to receive material assistance from the State and society in accordance with the law in the event of old age, illness, work-related injury, unemployment, childbirth, and so forth.

Legal analysis: 1. The insurance coverage of the two is different: employee social insurance is what we usually call five insurances and one housing fund.

Flexible employment insurance generally has only three insurances. 2. The payment ratio is different. 3. Mandatory different:

It is a legal obligation for the company to pay social security for employees, and it is necessary to bear a series of legal responsibilities if it does not pay social security to employees.

Legal basis: Article 58 of the Social Insurance Law of the People's Republic of China.

The employer shall, within 30 days from the date of employment, apply to the social insurance agency for social insurance registration for its employees. If they fail to register for social insurance, the social insurance agency shall verify and approve the social insurance premiums they should pay. Individually-owned businesses without employees who voluntarily participate in social insurance, part-time employees who do not participate in social insurance at the employer, and other flexibly employed persons shall apply to the social insurance agency for social insurance registration.

The State shall establish a nationwide unified personal social security number. An individual's social security number is a citizenship number.

Legal analysis: the difference between individual social security payment and unit social security payment: 1. The payment amount is different; 2. The place of insurance is different; 3. The pension treatment is different.

Legal basis: Article 60 of the Social Insurance Law of the People's Republic of China An employer shall declare and pay social insurance premiums in full and on time, and shall not defer or reduce or reduce the payment unless due to force majeure or other statutory reasons. The social insurance premiums to be paid by the employee shall be withheld and paid by the employer, and the employer shall inform the employee of the details of the social insurance premiums paid on a monthly basis.

Self-employed businesses without employees, part-time employees who do not participate in social insurance at the employer, and other flexibly employed persons can pay social insurance premiums directly to the social insurance premium collection agency.

The differences between self-paid insurance and employer-paid insurance are as follows:

1. The payment base is different. The contribution base is the most critical core factor affecting the amount of pension;

2. The payment period is different. The longer the contribution period, the more pension you will have.

Insurance is the basic means of risk management, an important pillar of the financial system and social security system, and also an act in which the insurer pays insurance money to the insured when the conditions of the contract are met, that is, when the contract agrees that the property damage caused by the possible accident is caused by its occurrence, or when the insured dies, is disabled, sick or reaches the age and time limit agreed in the contract.

Insurance, economically, is a financial arrangement for apportioning accident losses, legally it is a contractual act in which one party agrees to compensate the other party's losses, socially it is an integral part of the social and economic security system, and risk management is the basic method.

The difference between the insurance paid by the individual and the company is different in the type of insurance, the payment amount is different, the insurance place is different, and the pension treatment is different.

Social insurance refers to a social and economic system that provides income or compensation to a population that is incapacitated, temporarily unemployed, or lost due to health reasons.

Employers shall declare and pay social insurance premiums in full and on time, and shall not defer or reduce or reduce social insurance premiums unless due to force majeure or other statutory reasons. The social insurance premiums to be paid by the employee shall be withheld and paid by the employer, and the employer shall inform the employee of the details of the social insurance premiums paid on a monthly basis.

Individually-owned businesses without employees, part-time employees who do not participate in social insurance at the employer, and other flexibly employed persons may directly pay social insurance premiums to the social insurance premium collection agency.

For employees, the employer must pay social insurance in full for the employee, which is a mandatory obligation in law and a legal obligation of both parties, and the two parties to the employment relationship cannot negotiate and adapt to this.

1. Different types of insurance: According to the law, employees who have established labor relations with the employer shall participate in five types of insurance: basic pension, basic medical care, unemployment, work-related injury and maternity in accordance with the law. Persons with flexible employment may voluntarily participate in basic endowment insurance and basic medical insurance in their own name;

2. The amount of payment is different: the employees of the employer participate in social insurance, the pension, medical and unemployment insurance premiums are jointly paid by the employer and the individual, and the work-related injury and maternity are all paid by the employer. Individuals who participate in social insurance in their own name and participate in basic pension and basic medical insurance premiums are all paid by individuals.

Employees shall participate in the basic endowment insurance, and the employer and the employee shall jointly pay the basic endowment insurance premiums. Individually-owned businesses without employees, part-time employees who have not participated in the basic pension insurance at the employer, and other flexibly employed persons may participate in the basic pension insurance, and the basic pension insurance premiums shall be paid by the individual. The method of pension insurance for civil servants and staff managed with reference to the Civil Servants Law shall be prescribed by ***.

The difference between paying social security by yourself and paying social security by the company: first, the company pays social security, and once you are unemployed, you can also receive a certain amount of business insurance from the social security institution within a certain number of years, and you can also be exempted from paying medical insurance for two years. And there is a big difference between having and not having this part of the money.

Because some people don't want to work right away after leaving the company, but want to take a break before going to work. And this unemployment benefit can help you maintain your life for a period of time. And if an individual pays social security, there is no such thing as receiving unemployment insurance.

Second, the items of individual social security and unit social security are different. Generally, the company pays social security, and the items paid must be paid in accordance with the provisions of the state, including the so-called five insurances and one housing fund, which are all indispensable. Therefore, we will find that the company pays social security and pays more money.

However, if it is an individual who pays social security, then he only needs to pay two items, pension insurance and medical insurance, and the money paid is less. Therefore, some private enterprises will let workers pay social security by themselves when recruiting workers, and the unit will provide subsidies. Many people don't understand the reason, and feel that they have paid less money and they have received benefits, so they agree.

As everyone knows, in this way, employees only save money for the company, but have no benefit to their future rights and interests. Third, the final amount of social security paid by individuals is not the same as that paid by companies. The company pays social security, according to the provisions of the state, the unit pays 20 to enter the social security account, and the individual only needs to pay 8.

However, if it is an individual who pays social security, then all of it is paid by the individual, and he will pay more. The rate of payment is rising every year, so if it is paid by an individual, the burden will increase every year. Fourth, the final income of individual social security and unit social security is different.

Because the unit pays more projects to social security, the amount of money is also more, and the amount of money obtained from social security will be more after retirement. As for individuals who pay social security, because the amount of money paid is relatively small, the money they get from social security will be less in the end.

Article 10 of the Social Insurance Law of the People's Republic of China, Article 23 of the Social Insurance Law of the People's Republic of China, and Article 57 of the Social Insurance Law of the People's Republic of China.

The impact is not great, the company is its own, the individual payment part is its own, the company pays part or its own, if it is transferred to the individual payment, it is the same, or to apply for it as a private owner, the result is the same.

As long as the payment base is the same, the result is the same, if it is according to the minimum payment, the receipt is also the lowest, he has a calculation formula, that is, the receipt is: (one-fifth of the average social wage of the year where the place is received) + (the sum of the principal and interest of the personal account divided by 120) The result, but now there are still certain difficulties in the transfer of social security across regions, because the payment base in each region is different, you pay 1300 here, and 800 in your hometown, so the amount of the unit payment is different. This part is into the overall account, belongs to the local social security income, involving the local interests of the part seems to be difficult to entangle, if the economic conditions allow, it is recommended to supplement commercial insurance.

1. The nature is the same, and there is no difference in pension treatment when the payment is equivalent. The difference is that in terms of the expenses to be paid, the individual payment is heavier than that paid by the enterprise. There is a unit contribution, and individuals only need to bear 8%, while flexible employees need to bear 20%.

2. The main factors affecting the level of pension are: the average salary of the local society in the previous year of retirement, the level of the payment base, the length of the payment period, etc., the higher the payment base, the longer the number of years, and the more pensions are received when retiring. It does not matter which method of payment (individual payment or enterprise payment) is made.

What is the difference between individual social security and unit social security?