The difference between the participation of employees and the participation of urban residents

What is the difference between the social security paid by urban residents and urban employees?

Therefore, if the insured pays in a flexible employment mode, 60% of the individual contributions should be included in the social pool, and only 40% will be credited to the personal pension insurance account. The pension insurance for urban residents is not co-ordinated, whether it is individual payment, subsidy, collective subsidy, or repayment of other people's subsidies are all credited to my personal account for pension insurance.

The difference between urban employee pension insurance and social pension insurance:

First, the face of the crowd is different. The medical insurance for urban employees is mainly for in-service employees and retirees who have a job or are engaged in the individual economy. The pension insurance for urban residents is mainly for the elderly residents with urban household registration who are not working, the recipients of the subsistence allowance, the severely disabled, students and children, and other urban non-employees;

Second, the payment standard is different from **. The medical insurance for urban employees shall be jointly paid by the employer and the individual employee, and shall not enjoy the first subsidy. The payment standard of medical insurance for urban residents is generally lower than that of employee medical insurance, and appropriate subsidies will be given on the basis of individual contributions;

Third, the treatment standards are different. Due to the low level of financing, the standard of medical treatment for urban residents is slightly lower than that of employee medical insurance.

Fourth, the payment requirements are different. The minimum payment period for urban employees' medical insurance is established, and if the payment period is reached (25 years for men and 20 years for women), they can enjoy basic medical insurance treatment after retirement. There is no minimum payment period for urban residents' medical insurance, and they must pay every year.

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1. Different groups of people covered: the social security for urban employees covers the people of enterprise employees, flexible employees, and staff of government agencies and institutions. Social security for urban and rural residents covers farmers over the age of 16 (excluding students), urban employees who have not participated in social insurance, or urban residents who are not employed in government agencies and institutions.

2. The scope of reimbursement is different: social security for urban employees includes endowment, medical care, unemployment, work-related injury, and maternity, and now maternity has been incorporated into medical insurance. Social security for urban and rural residents only includes pension insurance and medical insurance for urban and rural residents.

3. Different payment methods and burdens: The contributions of urban employees, employees of enterprises, and employees of government agencies and institutions shall be jointly borne by units and individuals in proportion. Flexible workers only pay pension insurance and medical insurance, and all expenses are borne by themselves.

Pension insurance and medical insurance for urban and rural residents are not proportional, but fixed.

4. Different relief channels: urban employees, except for flexible employees, are responsible for their own social security, and other personnel pay social security in the unit, so once there is a dispute over social security, they can seek help from labor inspection, social security administrative departments, labor dispute arbitration commissions, and courts. Urban residents, like those in flexible employment, are responsible for their own social security and can only deal with problems themselves.

5. The benefits enjoyed are different. This is because the amount of medical pension insurance for urban residents is much lower than that for urban workers, and similarly, the treatment of the former is much lower than that of the latter.

Hello, employee social security and resident social security are different: the frequency of payment is different. Urban workers pay their premiums on a monthly basis, while most urban residents pay their premiums on an annual basis.

Employee social security and resident social security are different two: the nature of payment is different. Urban workers' medical and pension insurance is a mandatory payment by the state, as long as you are working, the unit must pay five insurances for you; The medical endowment insurance for urban residents is voluntary and does not make compulsory contributions.

Legal analysis: 1. The insured objects are different. Employee social security: the insurance object is the employee who is employed in the unit within the working age, and the unit shall pay for the insurance according to law, which is mandatory; Resident social security: The participants are generally unemployed, and they can voluntarily participate in the insurance.

2. There are different types of insurance. Employee social insurance: the unit participates in the insurance and pays, including five insurances, medical, pension, work-related injury, unemployment and maternity insurance; Resident social security: individuals pay two insurances, medical and pension insurance.

3. The payment method is different. Employee social security: paid monthly; Resident social security: paid annually.

4. The payment standard is different: employee social security: the payment standard is high.

The amount of social security contributions of employees = the average monthly salary of the individual employee in the previous year (not lower than the lower limit of the minimum base stipulated by the local government, not higher than the upper limit of the maximum base stipulated by the local government) is the sum of the payment ratio of each type of insurance in the payment base. Taking Fuzhou as an example, the minimum monthly payment amount is currently 11,874 yuan, which is 11,874 yuan a year.

Legal basis: "Decision on the Establishment of a Basic Medical Insurance System for Urban Employees" II. Coverage and Payment Methods.

All urban employers, including enterprises (state-owned enterprises, collective enterprises, foreign-invested enterprises, private enterprises, etc.), government agencies, public institutions, social organizations, private non-enterprise units, and their employees, must participate in basic medical insurance. Whether or not township enterprises and their employees, owners of urban individual economic organizations and their employees participate in basic medical insurance shall be decided by the people of all provinces, autonomous regions and municipalities directly under the Central Government. In principle, basic medical insurance to the prefecture level or above administrative regions (including prefectures, cities, prefectures, leagues) as the overall unit, can also be counties (cities) as the overall unit, Beijing, Tianjin, Shanghai three municipalities directly under the central government in principle in the city to implement the overall planning (hereinafter referred to as the overall planning area).

All employers and their employees should participate in the basic medical insurance in the overall area in accordance with the principle of territorial management, implement a unified policy, and implement the unified raising, use and management of basic medical insurance. Railways, electric power, ocean transportation and other cross-regional, production mobility enterprises and their employees can participate in the basic medical insurance of the overall planning area in a relatively centralized way.

The basic medical insurance premium shall be paid jointly by the employer and the employee. The employer's contribution rate should be controlled at about 6 percent of the employee's total salary, and the employee's contribution rate is generally 2 of his or her own salary. With the development of the economy, the contribution rate of employers and employees can be adjusted accordingly.

1. The payment cycle is different: urban employees pay monthly fees, and social security is generally withheld by the unit; Urban and rural residents in most cities pay premiums on an annual basis, and the insurance premiums paid have increased to a certain extent every year.

2. Different audiences: social insurance for urban workers is mainly for urban workers, flexibly employed persons, individual industrial and commercial households, and retirees enjoying pensions, while social insurance for urban and rural residents is mainly for non-employees with urban and rural household registration, such as the unemployed, laid-off workers, rural residents, young students, low-income households, disabled people, etc.

3. The nature of payment is different: social insurance for urban workers is a kind of social welfare stipulated by national law, which is mandatory, and is not only a right, but also an obligation of urban workers. Enterprises must pay social insurance for their employees, and once the relevant departments find that the company has not purchased social insurance for employees in accordance with the standards, the company will not only be included in the list of dishonesty, but also face a huge fine.

Social insurance for urban and rural residents is voluntary and not compulsory, and residents can choose the appropriate payment level according to their own wishes and economic conditions.

1. The scope of social security payment is different, and the social security of employees, the insurance paid by the unit to the employees includes: endowment insurance, unemployment insurance, medical insurance, work-related injury insurance, maternity insurance and housing provident fund. Among the residents' social security, the only social security that residents with urban household registration can pay for themselves are endowment insurance and medical insurance, unemployment insurance, work-related injury insurance, maternity insurance and housing provident fund, and residents cannot pay by themselves.

Article 2 of the Social Insurance Law stipulates that the State shall establish social insurance systems such as basic endowment insurance, basic medical insurance, work-related injury insurance, unemployment insurance, and maternity insurance, so as to protect 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, etc.

2. The payment method is different, urban employees pay on a monthly basis, and residents pay on an annual basis.

3. The payment base is different, the payment of urban employees is based on the average monthly salary of the employee himself as the payment base, the unit pays 20%, and the individual pays 8%, of which the individual payment is used as the personal account. Resident pension insurance is paid in accordance with the fixed amount stipulated in **, and all individual contributions are transferred to personal accounts.

Article 12 of the Social Insurance Law stipulates that an employer shall pay basic pension insurance premiums in accordance with the proportion of the total wages of its employees stipulated by the state, which shall be credited to the basic pension insurance pool.

Employees shall pay basic pension insurance premiums in accordance with the proportion of their wages stipulated by the state, which shall be credited to their personal accounts.

Individually-owned businesses without employees, part-time employees who have not participated in the basic pension insurance in the employer, and other flexibly employed persons who participate in the basic pension insurance shall pay the basic pension insurance premiums in accordance with the provisions of the state, which shall be credited to the basic pension insurance co-ordination and personal accounts respectively.

4. The method of calculating the pension is different, the pension of urban workers is calculated according to the payment period, the payment base, the average social wage, personal accounts and other parameters, and the resident pension insurance is calculated according to the total amount of the insured plus interest plus ** subsidy and the basic pension.

5. The age of receiving is different, the pension insurance for urban workers is 60 for men, 50 for female workers, 55 for female cadres, 55 for special types of work, 55 for men and 45 for women, and 60 years old for urban and rural residents.

6. The pension insurance for urban workers is a mandatory payment by the state and must be participated, and the resident pension insurance is voluntary and not compulsory.

7. Urban employee pension insurance participants, who reach the legal age for retirement, are called retirees, and resident pension insurance participants, who reach the legal age, only go through the procedures for receiving pensions, and are not called retirees.

8. The pension insurance for urban workers shall be adjusted annually in accordance with the provisions of the state, and the state shall adjust the pension insurance recipients in a timely manner, and the unified adjustment documents shall not be implemented, and the urban employee retirees shall not be adjusted synchronously.

Employee social security is paid by the unit for the employee "five social insurance and one housing fund", the payment of fees is relatively high, generally the minimum payment period needs to be paid for 15 years, before the retirement procedures, enjoy the national social security treatment. Retirement wages will also be treated differently according to the number of years and proportion of contributions made by each person.

The social security of urban residents is paid by individuals to the community every year, and the payment fees in each region are within a few hundred yuan per year, and the fees paid are relatively low, so the retirement salary is relatively lower than that of the social security of employees, and basically everyone's salary is basically about 1,000 yuan after retirement.

The difference between social security for urban residents and social security for employees is that when employees retire in the future, they will have seniority and retirement wages will be higher.

The difference between employee social security and resident social security.

Whether the annual long-term salary standards of urban and rural social security and urban employees' social security are the same.

Legal analysis: 1. Different applicable groups: According to the city, the applicable population of urban employee medical insurance is the employees of all urban employers, including enterprises (state-owned enterprises, collective enterprises, foreign-invested enterprises, Hong Kong, Macao and Taiwan-invested enterprises, private enterprises, etc.), organs, institutions, social Hongyu Spring Festival groups, private non-enterprises and other units.

The applicable population of urban residents' medical insurance is urban residents outside the scope of basic medical insurance for urban employees and new rural cooperative medical care, mainly including minor residents, referring to primary and secondary school students (including vocational high school, technical secondary school, technical school students), preschool children and other minor residents under the age of 18; Elderly residents refer to urban residents who are over the age of 60 for men and over 55 for women; and other unemployed adult urban residents. In the future, college students will also be covered by medical insurance for urban residents.

2. Different payment methods: urban employee medical insurance is paid by the unit according to a certain proportion of the total salary of the unit; Among them, the unit shall bear 7% of the total salary of the employee, and the individual shall bear 2% of the salary base paid by himself. This year, due to the impact of the economic crisis on the operation of enterprises, from April to December this year, the payment of enterprise units will be reduced from 7% to 6% to reduce the burden on enterprises.

The medical insurance for urban residents is paid by individuals through the neighborhood committee or school (kindergarten), and at the same time, subsidies are given on the basis of individual and family contributions. The ** raising standards for juvenile residents, adult residents, and elderly residents are 100 yuan, 360 yuan, and 360 yuan per person per year, respectively, of which individual contributions are 40 yuan, 280 yuan, and 150 yuan respectively; **The subsidy is 60 yuan, 60 yuan and 210 yuan respectively. It can be seen that the raising standard of urban residents' medical insurance is much lower than that of urban workers' medical insurance, which is about 1 5 of the per capita financing amount of urban workers' medical insurance.

Legal basis: Insurance Law of the People's Republic of China Article 1 This Law is enacted in order to regulate insurance activities, protect the legitimate rights and interests of the parties involved in insurance activities, strengthen the supervision and management of the insurance industry, maintain social and economic order and social public interests, and promote the healthy and resistant development of the insurance industry.