Flexible employment social security value is not worth paying.

Of course it's worth it. Because according to the relevant statistical survey results, the total number of flexible employment in the whole society has exceeded 200 million. It can be said that there will be more and more people with flexible employment. Of course, we also believe that more and more people will be employed flexibly in the future. So it is actually a very important thing for flexible employees to participate in social security.

Although they don't have a fixed work unit, they can't pay social security through their work units. However, you can choose to participate in social security according to flexible employment. Only individuals with flexible employment have an obvious feature, that is, there is no work unit to bear most of the payment proportion and amount. Everyone needs to bear the proportion and amount of full payment independently, so it can be imagined that its economic expenditure is still relatively large, in which the old-age insurance for urban employees needs to be insured according to the proportion of 20%, and the medical insurance for urban employees is about 4%~ 12%.

Therefore, our flexible employees will pay higher costs. Even if the minimum payment standard is chosen every year, 60% will pay the basic old-age insurance, including medical insurance. It has been at least one year now, and many cities and regions have exceeded the minimum payment of 1 000 yuan. Of course, it may not be as high as in previous years, but with the continuous growth of the average social wage, that is, the increase of our social security contribution base, the total amount of social security contributions to be borne in the future will also increase.

So even if you pay according to the minimum standard of 15, in fact, basically we have to bear the consumption level of at least 654.38+10,000 yuan, which is beyond doubt. So suppose we calculate it according to 654.38+ ten thousand yuan. How many years will it take to get this 65438+ ten thousand yuan back? In fact, the pension benefits will continue to increase in the second year after his retirement, so our future pension benefits will be higher and higher.

Generally speaking, according to the individuals who have been insured since 15, the initial pension benefits in cities below the third tier in the past two years are basically above 1000 yuan. If calculated at 1000 yuan, you can get at least 12000 yuan a year. Regardless of any pension growth factor. It will take about 8 years to get back the 654.38 million yuan social security we paid. However, the pension will inevitably increase, so the final collection period should be within 8 years, and it may take 6-7 years to get it back.

Therefore, for individuals with flexible employment, paying social security is a very cost-effective thing. After all, the time to return to the capital is still relatively short. Of course, if economic conditions permit, the cumulative payment period, including the average payment index, should be appropriately increased. Because the cumulative payment period and the average payment index have increased, the treatment level of retirement pension can also be said to have improved in the future, and ultimately you will benefit.

Social security is social insurance, including pension, medical care, unemployment, maternity and work injury insurance. Social insurance is a kind of welfare given by the state to the people, with a wide range of protection and a relatively low degree of protection. But social insurance is the foundation, commercial insurance is the supplement, and the function of social insurance is irreplaceable by commercial insurance.

Legal basis:

Article 57 of the Social Insurance Law stipulates that:

Where the social insurance registration items of the employing unit are changed or the employing unit is terminated according to law, it shall, within 30 days from the date of change or termination, go to the social insurance agency to handle the change or cancellation of social insurance registration. The administrative department for industry and commerce, the civil affairs department and the organization management organ shall promptly notify the social insurance agency of the establishment and termination of the employing unit, and the public security organ shall promptly notify the social insurance agency of the birth, death, household registration, transfer and cancellation of an individual.