Do you know the three potential risks that friends will face when they pay social security?

There are many freelancers and self-employed people who can't pay social security by themselves, so they will find friends or relatives who open companies and call their companies to pay social security. But there are three potential risks, which they will forward to family and friends.

First, the company may face punishment.

At present, many provinces and cities have implemented the method of collecting social security fees uniformly by the tax bureau. At present, the mode of social security (medical insurance) verification and tax collection is still adopted. However, the open tax system and social security system have become the general trend in the future. Once this method is realized, if there is no salary payment record in the company account, it will pay social security fees for irrelevant personnel, which will lead to loopholes in the enterprise's books and may become the key inspection object of the tax authorities. If the enterprise is suspected of malicious tax avoidance, then

In order to avoid book loopholes, some enterprises will falsely report their wages to people with social security affiliation. However, if some people with bad conduct lose contact after taking the money, the enterprise will also suffer economic losses. The affiliated unit pays social security, first of all, the enterprise violates the rules. If this risk occurs, it may be difficult for enterprises to recover their losses.

Second, individuals face the risk of overpayment.

Affiliated units pay social security, including five insurances: endowment insurance, medical insurance, maternity insurance, work injury insurance and unemployment insurance. All types of insurance that pay fees enjoy many benefits, but the cost of payment is also high. Taking the employees of enterprises in Taiyuan as an example, the contribution rate of old-age insurance is 24%, medical care is 9%, maternity is 1%, unemployment is 1%, and work-related injury is 0.4%, totaling 35.4. But as a freelancer, social security can only pay two kinds of insurance: endowment insurance and medical insurance. The contribution rate of endowment insurance is 20%, and that of medical insurance is 9%, which is equivalent to paying 6.4% less social security fees. If calculated according to the minimum payment base of 2739 yuan in Taiyuan in 2020, flexible employees can pay less 175 yuan every month and 2 100 yuan a year.

In addition, flexible employees can enjoy the state subsidy policy, such as the "4050 policy", which is widely implemented at present, that is, if men are over 50 years old and women are over 40 years old and have no unit to pay social security, they can generally apply for the social security subsidy policy for three years. If they are only five years away from retirement age, they can apply for retirement, that is, they can receive social security subsidies for up to five years. However, if the affiliated unit pays social security, it cannot enjoy state subsidies.

Third, the company took the money and did not pay the risk.

The affiliated company pays social security, but the money still has to be paid out of the company's account, so the company will collect money in advance and then pay the social security fee. This is a normal operation process, but in case the company is short of funds, you can use your money for other purposes. In the end, the company failed to go bankrupt and never paid you social security. You lost your hard-earned money for nothing. However, if you are insured as a flexible employee, your money will be directly handed over to the social security or tax bureau, and there will be no financial risk.

In summary, joining insurance as a flexible employee can not only avoid risks, but also save a lot of money. So I suggest that freelancers participate in social security for flexible employees.