Which is more cost-effective, flexible employment or employee social security?

Which is more cost-effective to pay flexible employment social security or employee social security is actually a question that varies according to individual circumstances. But on the whole, employee social security is usually considered to be more cost-effective. The following is a detailed comparison of these two kinds of social security.

First of all, from the scope of protection, employee social security includes pension insurance, medical insurance, work injury insurance, maternity insurance and unemployment insurance, covering all aspects of life and providing comprehensive protection for employees. However, flexible employment social security usually only includes endowment insurance and medical insurance, and the scope of protection is relatively narrow.

Secondly, from the perspective of the payment amount, the payment amount of employee social security is usually determined according to the employee's salary base, which is shared by individuals and enterprises. The payment amount of social security for flexible employees is determined according to the local average social wage, and all of them are borne by individuals. Therefore, for people with higher income, the payment amount of employee social security may be higher, but the corresponding protection is more comprehensive.

Finally, from the perspective of future income, the pension of employee social security is calculated according to the individual payment period and salary base, which is usually higher than the pension of flexible employment social security. In addition, employee social security also includes four other insurances, which can provide certain economic compensation in case of accidents.

To sum up, employee social security is usually more cost-effective than flexible employment social security in terms of coverage, payment amount and future income. Of course, this also needs to be chosen according to the actual situation of the individual. If the income is high and the job is stable, it is recommended to choose employee social security; If your income is unstable or you are engaged in flexible employment, you can choose flexible employment social security as a transition.

Legal basis:

Article 10 of the Social Insurance Law of People's Republic of China (PRC) stipulates: "Employees should participate in the basic old-age insurance, and both employers and employees should pay the basic old-age insurance premium." The law clearly stipulates the responsibilities and obligations of paying old-age insurance in the social security of employees.

Article 23 of the Social Insurance Law of People's Republic of China (PRC) stipulates: "Employees shall participate in the basic medical insurance for employees, and employers and employees shall pay the basic medical insurance premiums in accordance with state regulations." This law stipulates the responsibilities and obligations of employees to pay medical insurance.

"Guiding Opinions on Improving the Social Insurance System for Flexible Employees" points out: "Flexible employees can voluntarily choose to participate in the basic old-age insurance for urban workers or the basic old-age insurance for urban and rural residents." This provides a basis for flexible employees to choose social security types.