What's the difference between paying social security by yourself and relying on it? Which is better?

Many freelancers, or self-employed, stay-at-home mothers, etc. If you don't have a work unit or are in a state of resignation, you will be very entangled in your social security problems. Which is more cost-effective to pay social security at the Social Security Bureau or through the company? What's the difference between these two methods? Is it the same after retirement?

1. What's the difference between paying social security by yourself and relying on it?

(1) From the perspective of coverage,

Affiliates pay five insurances: endowment insurance, medical insurance, industrial injury insurance, maternity insurance and unemployment insurance.

I went to the social security bureau to pay two kinds of insurance: endowment insurance and medical insurance.

Therefore, if you want to receive maternity allowance, you can only choose to call the company.

(2) From the perspective of providing for the aged.

It is more cost-effective to meet in person than to call the company. If calculated according to the same payment base;

The proportion of individual contributions for endowment insurance is 20%, of which 8% goes into individual account and 12% goes into national overall account;

The proportion of old-age insurance contributions paid by affiliated companies is 28%, of which 8% goes into personal accounts.

Personal accounts are directly linked to pensions. Although 8% of the two accounts are in personal accounts, only 20% is required for self-payment and 28% for affiliated companies. And generally, affiliated companies pay social security fees. So it's more cost-effective to hand it in yourself.

(3) From the perspective of medical insurance

Whether it is paid by yourself or affiliated with the company, it belongs to employee social security, and the treatment enjoyed by the two is exactly the same.

(4) From the perspective of payment requirements.

There is no place limit for affiliated companies to pay social security. But I go to the Social Security Bureau to pay social security, and most cities only support paying in the place where the household registration is located. If you don't have a local hukou, you can't pay social security yourself. However, the state has also noticed this, and issued a series of policies to promote flexible employees to participate in insurance in different places. At present, in Guangzhou, Chengdu, Wuhan and other places, foreign hukou can already be insured as a flexible employee, and the insurance process is no different from that of local people paying social security themselves.

(5) From the choice of retirement cities.

If your registered permanent residence is not in this city, but you want to enjoy the old-age treatment in this city after retirement, you can only call the company and pay at least 10 years.

Second, what are the risks for affiliated companies to pay social security?

(1) requires an extra handling fee.

Affiliates pay social security, in addition to paying the social security amount of units and individuals in full, they also have to pay an additional service fee every month.

(2) Affiliates may not be able to pay social security.

In case the affiliated company runs away or is investigated by the social security audit department, there may be an embarrassing situation in which its social security cannot be used. Moreover, the general affiliated companies will also have such a disclaimer: "Our company does not provide any assistance in stamping or data reimbursement", that is to say, the maternity allowance and work-related injury expenses that need to be stamped by the company cannot be reimbursed.

(3) There are risks in the payment of social security by affiliated companies.

It is recognized that the company pays social security for employees on the basis of certain labor relations. However, there is no labor relationship between affiliated companies and you in essence, and there is a risk of being identified as fraudulent insurance. At present, the Regulations on the Supervision of Social Insurance Funds in Guangdong Province has clearly stipulated that no unit or individual may obtain the qualification of social insurance participation and payment by means of fictitious labor relations or forged certification materials. If a unit or individual is found to be suspected of social insurance fraud, it shall transfer the case to the public security organ at the same level according to law. If you really cheat maternity, work-related injuries and other social security benefits through affiliated companies, you will be fined 2-5 times once you are investigated by the social security inspection department. In addition, if the amount is huge, it may also be suspected of committing a crime. Therefore, affiliated companies are risky. To keep your eyes open, you must take out insurance through legal channels.

If you have any other questions about insurance, you can search for "Baibaojun" in Baidu and consult a professional and excellent insurance broker. Professionals will make a comprehensive evaluation according to your actual situation, formulate the most suitable methods for you, and provide you with more professional insurance answers.