The difference between paying social security and paying yourself.

In everyone's traditional concept, it is generally believed that social security can only be paid when working. If you are a freelancer or temporarily unemployed, you can't pay social security by yourself. So can freelancers pay social security by themselves? The answer is yes, but the social security paid by individuals is different from that paid by enterprises. Let's take a closer look.

Individuals and enterprises pay different types of social insurance. At present, enterprises pay five insurances and one gold, namely, endowment insurance, unemployment insurance, medical insurance, industrial injury insurance, maternity insurance and housing accumulation fund. Social insurance paid by individuals is only endowment insurance and medical insurance.

At present, the participation of freelancers in basic medical insurance and basic medical insurance is voluntary, and it is not included in the scope of people participating in unemployment, work injury and maternity insurance. However, it is mandatory for enterprises to pay social security for employees. According to relevant laws, employers and workers must participate in social insurance and pay social security in strict accordance with the law.

In addition to the difference between insurance and compulsory, the proportion of social security payment is also different. Among the five insurances and one gold, endowment insurance, medical insurance and unemployment insurance are paid by individuals and enterprises respectively. Under normal circumstances, enterprises pay a large proportion. General old-age insurance premiums are paid by enterprises at 20% and individuals at 8%. Unemployment insurance companies pay 2% and individuals pay1%; The medical insurance premium is paid by 8% by enterprises and 2% by individuals. Industrial injury insurance and maternity insurance do not need to be paid by individuals, but are all paid by enterprises. However, the social security fees paid by freelancers need to be fully borne by themselves.

Individuals and enterprises pay different amounts of social security, so the amount they receive after retirement will be different. The first is age. In enterprises, the retirement age is 50 for women and 60 for men, while in individuals, it is 55 for women and 60 for men. At the same time, the enterprise has three insurance benefits: unemployment, work injury and maternity; Individuals do not have these three insurance benefits. The enterprise's medical insurance card has a certain amount of medical expenses every month; Individuals have no medical expenses. Therefore, to sum up, it is more beneficial for enterprises to pay social security than for individuals.

Then, I have been paying social security on the job. Do I need to continue to pay social security after leaving my job? According to the current policies and regulations in many places, the payment of social security is closely related to many benefits. If you want to buy a car and a house, it is recommended to continue to pay social security. But the social security paid by individuals is different from that paid by enterprises, so what should I do at this time?

In fact, you can choose the social security agency to help you pay, and you can continue to pay all the five insurances, which is equivalent to your employment in this company. Although the organization can help you, you need to pay all the money yourself, including what individuals should pay and what enterprises should pay for you, but you can pay according to the lowest social security payment base, which not only achieves the goal of continuing to pay, but also makes your burden in the resignation stage less heavy. It is recommended to find ant HR, even if you don't have a job, you can pay it!