The difference between social security paid by oneself and paid by the company
In Jinglan Port on the bank of the Yangtze River, people come and go on the wharf, busy and orderly. There are not only ships and goods coming and going, but also the dreams and lives of countless people. Li Wen is one of these ordinary workers, and his story is a true portrayal of the difference between social security and the company.
Every morning, when the first rays of sunlight shine on the river, Li Wen came to the pier early. Dressed in blue overalls, a hard hat and holding an iron hook, he began his day's work. His job is to load and unload goods, and although it is hard, Li Wen never complains, because he knows that this is the job he lives on.
On the docks, Li Wen met a group of like-minded workers. They come from different places, have different backgrounds and experiences, but all share the same goal: to work hard and earn money to support their families. In their spare time, they often get together to chat and share each other's life experiences and feelings.
One day, the workers on the docks began to discuss the topic of social security. Some people said that the company paid social security to them, and they felt very relieved; Some people say that they have paid social security, but they don't know what the specific benefits are. Li Wen listened to everyone's discussion, and couldn't help but wonder: What is the difference between social security paid by himself and paid by the company?
In order to figure out this problem, Li Wen began to inquire and consult around. He first asked the workers for advice, but everyone's answers were different, some said that the company was better, and some said that it was more flexible to pay by himself. So, Li Wen decided to go to the social security department to consult professionals in person.
At the social security department, Li Wen met an enthusiastic staff member. She explained to Li Wen in detail the difference between social security paid by herself and paid by the company. She told Li Wen that the company's social security payment means that the company pays social insurance premiums for employees in accordance with national regulations, including endowment insurance, medical insurance, unemployment insurance, work-related injury insurance and maternity insurance. Individual social insurance refers to the voluntary participation of individuals in social insurance and the payment of social insurance premiums in accordance with the prescribed proportion.
The staff further explained that the advantage of the company's social security payment is that it is convenient and fast, and employees do not need to worry about the payment of social security. At the same time, the social security paid by the company usually includes a variety of insurance items, and the coverage is wider. However, there are also some limitations to the company's social security contributions, such as the proportion and base of employees' social security contributions may be affected by the company's policies and operating conditions.
Individuals are more flexible and autonomous in paying social security. Individuals can choose which insurance items to pay according to their actual situation and needs, and can also adjust the social security contribution ratio and base according to their own economic situation. In addition, individuals who pay social security can also enjoy some policy preferences and subsidies. However, individuals who pay social security also need to bear more responsibilities and risks, such as the need to understand social security policies and regulations to ensure that their rights and interests are not infringed.
After listening to the staff's explanation, Li Wen had a clearer understanding of the difference between social security paid by himself and paid by the company. He began to think about his situation: he was a temporary worker on the docks, and there was no permanent company to pay social security for him. If you don't take the initiative to pay social security, what should you do when you get old or sick in the future?
After careful consideration, Li Wen decided to pay social security himself. He chose the right insurance program according to his financial situation and needs, and paid the social security contributions in accordance with the prescribed proportion. Although he needs to pay a certain amount of money every month, Li Wen feels that he is responsible for his future and his family.
In the days that followed, Levine continued to work the docks. He knows that every effort he makes is for a better life. And the payment of social security also made him more at ease and down-to-earth to face his future life. He believes that as long as he persists in his efforts and plans for the future reasonably, he will be able to live a happy life.
As time went on, Levin became more and more stable in his job on the docks, and his income gradually increased. He began to try to adjust his social security contribution ratio and base to ensure that he could enjoy more comprehensive protection. At the same time, he also began to pay attention to some policies and regulations related to social security, so as to better protect his rights and interests.
In the process, Li Wen also met some like-minded friends, and they discussed the topic of social security together and shared each other's experiences and feelings. They encourage and support each other and work together for a better life. This atmosphere of solidarity and mutual assistance made Li Wen feel very warm and touched, and he felt that he was not alone, but had a group of friends who worked together.
Eventually, Levine spent decades on the docks. He used his hard work and wisdom to create a better life for himself and his family. And the payment of social security has also become an indispensable part of his life. He deeply understands the difference between social security and the company, and is glad and proud of his original decision.
Li Wen's story tells us that there are pros and cons to paying social security to the company, and we need to make appropriate choices according to our actual situation and needs. At the same time, we should also pay attention to the changes in social security policies and regulations in order to better protect our rights and interests. Only in this way will we be able to face our future life with peace of mind and build a solid foundation for our own well-being.