Self-funded social security is too pit. Why?

Self-funded social security is too pit, and it is a big loss. Why?

Some people think that paying social security is very good and they can enjoy the benefits of social security, but some people think that paying social security is not cost-effective, and even some friends think that paying social security at their own expense is too pit and a big loss. Why?

First, self-funded social security is too pit. Why is it a big loss?

1. Limited types of insurance: self-funded social security is different from unit insurance. Unit insurance is social security, and all five insurances can be participated. Self-funded social security is not good, and only medical insurance and endowment insurance can be paid.

2. The premium is relatively high: the unit insurance is shared by the employees and the company, and the base paid by the general employees is relatively small, while the self-funded social security expenses need to be borne by themselves, which may cause a certain burden to people with average economic conditions, so it is still relatively deficient.

Second, which grade is the best for self-funded social security?

What level of self-funded social security you choose depends on your own economic situation.

The payment base of social security is related to the amount of personal pension, so the higher the payment level, the higher the monthly pension benefits after retirement. The same is true of medical insurance. The higher the level of payment, the higher the level of reimbursement with medical insurance.

Secondly, self-funded social security is based on the average salary of local employees in the previous year. The upper limit of social security base is 300% and the lower limit is 60%. The insured can choose the upper or lower limit according to his own needs.

Third, the difference between self-funded social security and social security paid by the unit.

1, unit participation is social security. You can participate in all five insurances, but not social security at your own expense. You can only pay medical insurance and endowment insurance.

2. The social security expenses paid by the company shall be shared by the employees and the company. Individuals only need to bear the contribution ratio of 10%, and the self-funded social security expenses need to be borne by themselves.

3. Participating in insurance in different places: the social security paid by the company is usually related to the place where we work, and the social security paid at our own expense is generally related to our household registration.

4. Different treatment: the employee social security paid by the unit can make the insured enjoy better and more comprehensive insurance and treatment.