Is it better to pay insurance for flexible employees or find a unit to be affiliated with? What is t

1. Is it better to pay insurance for flexible employees or find a unit to be affiliated with?

Each of these two has its own benefits, and the key is to choose according to your actual situation.

If your place of residence is in the same area as your hukou, you can pay social security for flexible employment in the form of flexible employment. However, if your place of residence is not the same area as your hukou, you can only choose to pay social security with the affiliated unit.

2. Social security for flexibly employed persons

In order to effectively protect the social security rights and interests of this special labor group, the state has launched different preferential social security policies for different categories of flexible employees.

Social security for flexibly employed persons provides the most basic social security for flexibly employed persons, and plays a role in promoting the rational flow of labor and promoting urbanization.

3. Relevant instructions on social security for flexible employees

1. Flexibly employed persons who apply for social insurance subsidies shall go to the labor and social security service center of the sub-district (township) where their household registration is located to confirm the flexible employment with the relevant certificates proving their flexible employment status, fill in the "Registration Form of Flexible Employment", and register their employment after being recognized by the sub-district (township) labor and social security service center, and record the relevant information about engaging in flexible employment in the "Unemployment Certificate".

2. When the flexible employment insured person goes through the retirement procedures, the payment period (including the deemed payment period) must be 30 years for men and 25 years for women, and the continuous payment period of basic medical insurance is not less than 10 years before they can enjoy the basic medical insurance treatment of retirees.

3. The basic pension insurance payment period (including the deemed payment period and the actual payment period) of the flexibly employed insured persons can be regarded as the basic medical insurance payment period, but the continuous payment period is not calculated. Flexible employment participants who participate in the city's basic medical insurance as freelancers or at the employer can be calculated together as long as the payment is not interrupted.

4. When the flexible employment insured personnel go through the retirement procedures, if they have not reached the prescribed payment period, they shall pay the basic medical insurance premiums for the difference in the number of years (calculated according to the maximum payment period of the difference) in full according to 10% of the average social wage of the previous year in the city announced in the previous year, and the basic medical insurance premiums for the difference in the number of years (calculated according to the maximum payment period of the difference) shall be paid in full at one time.

I think that there must be a reason for the existence of anything, and these two must have their own benefits, and the key is to choose according to their actual situation.

Social Security Affiliated Units:

It is legally illegal for the affiliated employer to pay the relevant social insurance for the employer in the name of the company. The types of social insurance of the unit are very comprehensive, and they can enjoy a variety of benefits. Formal units basically pay five insurances (pension, medical care, work injury, maternity, unemployment) and one housing fund (housing provident fund), and the payment method is the proportion of units and individuals.

The affiliated unit (pay the full amount by yourself) is equivalent to the fee paid by the individual, including the fee paid by the company + individual, which becomes higher. The benefits are: maternity insurance for women and early retirement.

In developed cities, you can also enjoy preferential policies such as points settlement, house purchase qualifications, car purchase lottery, and children's schooling.

Social Security for Flexible Employment:

Social security for flexibly employed persons is an important measure for the state to improve the coverage of pension insurance for urban employees. Generally, only basic endowment insurance and medical insurance are paid. The state generally takes care of the participation of flexibly employed persons in insurance.

Pension insurance contributions are paid at a rate of 20%; can enjoy the social security payment subsidy for those with employment difficulties; The cost of medical insurance is also less than that of the company.

What is the difference between the treatment after retirement, basically follow the question of paying much more about the treatment of retirement after the payment of social security, first of all, we must understand the ** and structure of the pension, the amount of the pension is determined by the personal account of the amount you pay when you retire and the local basic pension. If you are attached to the unit, you pay more now, then there will be more money in your personal account, then your salary will be higher when you retire in the future, and if you pay less, your retirement salary will be less. The basic pension and the local pension are co-ordinated, and the national and local pension policies are related, and now they are rising every year, so you also have the opportunity to rise.

But in terms of time, there is basically not much difference.

To sum up, social security is an affiliated unit (paying in full by oneself) and paying flexible employment social security has its own advantages. Society is fair and just, equivalent to bank deposits, and how much you save now determines how much you get later.

Pay flexible employment or affiliated insurance, which depends on your choice and needs. If you have a lower insurance coverage for flexible employment, you will pay less each month and you will receive less pension in the future. You need to pay a lot of money to pay insurance by your own company, but this money will be deposited into your personal account later, which means that your retirement pension is also relatively large.

It is good to find a unit to be affiliated with, and the insurance of flexible employment personnel is not as complete as the insurance insurance to find a unit to be affiliated with, and there are many claims, and the pension insurance is not the same in the future, and the employee pension insurance will be a little more than the pension insurance of flexible employees.

Personally, I think that if there is a unit that can pay insurance, it is better to pay it in the unit, after all, individuals can only pay two insurances, and they need to pay the full amount by themselves, and there is no unit to share.

Both of these have their own advantages, if you want to receive a pension safely, it is better to choose flexible employment social security; The affiliated unit will have an additional layer of risk if it pays social security, but if it is successfully retired, it will be much more than flexible employment.

Let's talk about some of the differences between social security affiliated units and flexible employment social security:

1. Essential differences.

The payment of social security by the affiliated unit is not recognized by the Social Security Law, and there are certain risks. For example, many people do not issue a certificate of retirement when they issue a retirement certificate, which is equivalent to paying in vain. Moreover, if the affiliated unit pays social security, although the unit also gives a certificate, it can not be recognized by the Social Security Law, and once it is found out, it will not be able to handle the retirement normally.

2. Pay the fee.

As we all know, the pension insurance paid by employees of enterprises is 24% of the base salary, that is, 16% of the unit and 8% of the individual. The proportion of social security pension insurance for flexible employment is 20%. For example, with a basic salary of 5,000 yuan, the unit pays 16% is 900 yuan, and the individual pays 400 yuan.

then together is 1200 yuan. Based on the salary of 5,000 yuan, the self-payment is 1,000 yuan. Therefore, the former is more than the latter, according to the pension insurance to pay more, its payment is more, and the later pension is relatively more.

3. Different ways to retire.

Female employees who pay social security at affiliated units retire at the age of 50, while those who are flexibly employed are retired at the age of 55. Flexible workers have a longer time to pay.

4. Handling retirement pensions is different.

The retirement of the personnel of the affiliated unit needs to go to the unit to apply for a retirement certificate, and then go to the social security bureau to handle the retirement. Flexible workers only need to bring their social security card to the social security bureau to fill out the application form.

Finally, in terms of receiving pensions, the pension received by the affiliated units is higher than that of the social security personnel with flexible employment. But all things considered, there are pros and cons between the two. If you are looking for a secure pension, it is better to choose flexible employment contributions; If you pursue a higher pension and are not afraid of risks, you can choose to pay by the unit.

It is better to hang the unit, so that the unit will bear part of it, and the individual needs to bear a part, and the leverage that the individual has to pay is relatively low.

I think it's better to be attached to a unit, because you can get a high pension after retirement, and it can also reduce your financial pressure.

Flexible employment social security is better, because the affiliated company is risky, and if the company goes bankrupt, you will be in vain.

Hello landlord, is it better to pay for social security with flexible employment personnel, or is it better to pay for affiliated units? Of course, it is better to choose flexible employment and pay fees. Because the payment according to the flexible employment method and the payment of the in-service employees of the enterprise are exactly the same, and they all belong to the scope of employee pension insurance and employee medical insurance.

Therefore, we should first consider the way of flexible employment to participate in the insurance and pay contributions.

Flexible employment personnel participate in insurance and pay premiums, of which the employee pension insurance only needs to be paid at 20%, and the employee medical insurance is only paid at 4%. So if we choose to pay 5 kinds of insurance affiliated to the enterprise, all of them need to be insured synchronously, including 24% for endowment insurance, 8% for medical insurance, 1% for maternity, insurance, unemployment insurance, and work-related injury insurance, then the sum of all these needs to reach about 35%.

Obviously, compared with the form of flexible employment, the cost of participating in the insurance is higher, but in the end, the pension treatment, including the reimbursement ratio of medical insurance, is exactly the same, so we should consider flexible employment to participate in the insurance. However, some people may not be in the same area as their household registration and long-term residence, so they cannot participate in the insurance in accordance with the flexible employment method in the end, and have to choose to be affiliated with the enterprise, but in the future, they will break the limitation of paying flexible employment social security according to their household registration, so we can choose the social security payment method of flexible employment normally.

Hello, if you choose between the two, then I think there is no doubt about it, that is to say, you must choose the so-called flexible employment situation to pay social security, because the social security contributions borne by flexible employees only need to be employee pension insurance and employee medical insurance, and for ourselves, only these two types of insurance will accumulate the payment period is the most important.

I can tell you very clearly here, of course, according to the situation of flexible employment, pay social security, for yourself to choose the best and the most ideal. Although you can pay social security through some human resources companies, but this way, although it is said that you can pay social security normally, is actually not advisable, because first of all, you pay social security normally through the way of the enterprise, then you need to bear the joint payment of individuals and enterprises, so basically the final payment ratio needs to reach about 40%.

And you are likely to have to pay a sponsorship fee to this employer, so as for how much money you need in a year, it is unknown, but at least you have to pay for this cost. However, if we pay according to the way of flexible employment, then we only need to pay the employee pension insurance and employee pension insurance, then the proportion of the contribution will not exceed 24%. Therefore, it is obvious that the 40% payment is much lower than that of the affiliated enterprise unit, and the pension that you will enjoy in the future is completely the same, whether it is retirement medical insurance treatment.

If you have previous insurance experience and have a cumulative payment period, then what you need to do is to transfer the previous social security relationship to the social security department where your household registration is located, and then establish your own social security payment in accordance with the way of flexible employment. You can participate in employee pension insurance and employee medical insurance at the same time, and then pay an annual fee.

If it is better to find an affiliated unit or an affiliated unit, they will remind and remind them on time, and they will have a fixed base, and they will also change according to the policy of the year, such as the epidemic last year. It seems that social security for flexible employment cannot be reduced.

Hello, many people say that by attaching social security to the unit, you can not only save money, but also receive more after retirement. It is important to note that not only does this not save money, but you may face fines, and even those who violate the law will be dealt with in accordance with the law. It is illegal to attach social security to other units, and it is illegal to participate in employee social security in the first place.

Although the Social Security Law does not explicitly prohibit employers from paying social insurance fees for "non-employees", it is illegal for enterprises to falsify labor relations materials such as salary schedules and employee rosters during the affiliation process. According to the relevant laws and regulations, if the person goes through the insurance procedures or pays the pension insurance fee for an unqualified person by means of fraud and falsification of supporting materials, his act shall be invalid.

Compared with the payment of social security by flexibly employed persons, the payment of affiliated enterprises is more, the policies enjoyed are less, and the pension is basically the same, so it is recommended that it is best to pay social security as a flexible employment person!

Legal Analysis:1There are different types of insurance available:

Flexible employment insurance will only pay endowment insurance and medical insurance, and the affiliated units will participate in the five hardship sail insurance. 2.The base of the contribution is different:

The social security of urban and rural residents is flexibly insured for Hong's industry, and the payment base is determined according to the average salary of employees in the province in the previous year. The affiliated units participate in the social security of urban employees, and the payment base is determined according to the annual average monthly salary of the insured. 3. The treatment enjoyed is different:

Flexible employment to participate in social security for urban and rural residents can only enjoy pension insurance benefits and medical insurance benefits. The affiliated units participate in the social security of urban employees, and can enjoy the other three insurances in addition to endowment insurance and medical insurance.

Legal basis: "Social Insurance Law of the People's Republic of China" Article 2 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 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.