Pay their own social security and unit pay social insurance treatment difference is so big-嘿嘿taxi
Pay their own social security and unit pay social insurance treatment difference is so big, pay for so many years of social security, there may be a lot of people do not understand the social security, there are residents of social security and social security workers. Melt 360 Simple Science: employee social security, that is, part of the unit to pay part of the individual, the national mandatory unit to buy social security. The residents’ social security is for the people without work units, is the purchase of social security in the name of individuals. Although the deposit is social security, but the difference, treatment is not the same, it can be said that is very different. Urban workers social security and urban residents social security varies greatly: first, the frequency of payment is different, urban workers are paid monthly, and most of the urban residents are annual payment. The difference between the two: pay different medical pension insurance, is a national mandatory payment, as long as the work unit must be for you to pay the insurance (pension, medical, work injury); urban residents medical endowment insurance, which belongs to the voluntary insurance, compulsory payment; the difference between the three: for people of different insurance for urban workers, mainly for the unit the workers working in the city, individual industrial and commercial households and enjoy retirement pension insurance; urban residents, mainly for urban residence but also for people who do not work. Like some old people who do not enjoy pensions, people without work units, teenagers, disabled people and other subsistence allowances and so on. Here we should pay attention to, only the city residents who can pay the city’s social security for urban residents. Difference four: the amount of payment is different, the social security of urban residents, the amount of payment is lower than the social security of urban workers. Such as endowment insurance: insurance endowment general first-tier cities, according to the minimum base, annual pay (company + personal) about 6000 yuan, Shanghai and Beijing (higher average wages); residents of old-age insurance payment, the annual amount of about 100-3000 between the freedom of choice, the payment amount can enjoy different government every year a few yuan subsidy. Looking at medical insurance again: the medical insurance for workers in general first tier cities is paid according to the minimum base, and the annual payment (company + individual) is about 3600-6000. While most residents medical insurance, is divided into three levels, ranging from 1000 yuan to 300 yuan a year, as some people with disabilities or low income households will have the corresponding government subsidies. All social security, treatment difference is so big! However, we buy social security means, to take their own money to the state, to help you make the state pension, financial 360 Xiaobian residents social security is not equal to the social security of workers is the most important thing is to enjoy the benefits of different: pay the amount of urban residents’ medical endowment insurance is far lower than that of the urban workers’ medical pension insurance, leading to treatment first say: big difference pension pay worker endowment insurance people, endowment insurance is the payment period, opera base pay, personal accounts and other parameters according to the formula, and the general social average wages, nearly more than 10 years, the average wage rose every year. At present, the average pension level of enterprise retirees in Beijing has reached the standard of 3573 January (the latest data in 2016), and the amount of pension is composed of basic pension and personal account pension. At present, the basic pension for urban and rural residents in Beijing is about 510 months!
自己缴社保和单位缴社保 待遇相差竟然这么大缴了这么多年社保，可能有很多人都不了解社保有分居民社保和职工社保吧。融360小编简单科普下：职工社保，就是单位交一部分个人交一部分，国家强制单位购买的社保。而居民社保是面向没有工作单位的人群，是以个人名义购买的社保。虽然都是缴存社保，但差别、待遇都是不一样的，可以说是相差甚远。城镇职工社保和城镇居民社保大不同：区别一：缴费频率不同城镇职工是按月缴费的，而城镇居民大部分城市都是按年缴费。区别二：缴纳性质不同城镇职工医疗 养老保险，是国家强制性的缴费，只要在上班，单位就必须为你缴三险(养老、医疗、工伤)；城镇居民医疗 养老保险，属于自愿参保，不强制缴费；区别三：面向人群不同城镇职工保险，主要面向在城市中工作的单位职工、个体工商户以及享受退休金的退休人员；城镇居民保险，主要面向有城镇户籍但是又没有工作的人。像一些不享受退休金的老年人、没有工作单位的人、青少年、残疾人等低保对象等等。这里要注意的是，只有本市户口的人，才能缴纳本市的城镇居民社保。区别四：缴费金额不同城镇居民社保，缴费金额低于城镇职工社保。比如养老保险：一般一线城市的职工养老保险，按最低基数，每年缴费(公司+个人)约6000元左右，上海和北京更高(平均工资高)；居民养老保险，每年的缴费金额大约在100-3000之间，自由选择，不同的缴费金额可以享受政府每年几十元的补贴。再看医疗保险：一般一线城市的职工医疗保险，按最低基数缴存，每年缴费(公司+个人)约3600-6000左右。而居民医疗保险，大多数是分为三档，每年300元到1000元不等，像一些残疾人或低保户政府会有相应的补贴。都是社保，待遇相差竟然这么大！然而我们买社保的意义就是，拿自己的钱交给国家，让国家来帮你养老，融360小编觉得居民社保不等于职工社保的最重要一点在于享受的福利待遇不同：城镇居民医疗 养老保险的缴纳金额远低于城镇职工医疗 养老保险，导致待遇相差很大先说养老：缴纳职工养老保险的人呢，养老保险是歌剧缴费年限，缴费基数，个人账户等参数按照公式计算的，一般和社会平均工资挂钩，近十多年来，每年平均工资都在上涨。目前北京市企业退休人员的平均养老金水平已经达到3573元 月的标准(2016年最新数据)缴纳居民养老保险的人，养老金金额由基础养老金和个人账户养老金构成。目前，北京城乡居民基础养老金为510元 月左右(2016年最新数据)，融360小编想说现在的物价510怎么够一个人活啊！如果既缴纳过居民养老保险，又缴纳过职工养老保险，养老金怎么领？融360小编知道有些城市可以两者互相转换，个人账户上的钱按照相应公式折算。但是，值得注意的是城镇居民医疗及养老的缴费年限无法转移，也就是说如果退休后想享受职工养老的待遇，好得老老实实缴纳15年的城镇职工养老保险，老老实实的上15年的班！融360小编认为，如果想以后依靠这份居民社保来养老的话，那么缴居民社保就是不值得，但是如果只是纯粹从投资的角度看，考虑到政府财政对这一块的补助和今后养老金调整的可能性，还是值得的，然而养老还是要靠自己啊！相关的主题文章：