Do you know five things that the insured should know when paying social security?

With the continuous improvement of China's social insurance system, people's lives are more and more guaranteed. In recent years, with the continuous improvement of pensions, more people began to pay attention to social security. On-the-job employees are still very cost-effective, and they can share the social security expenses with the employer, and the proportion borne by the unit will be even greater. However, for those flexible employees who have no formal work units, the economic pressure is still great, especially many people want to enjoy more benefits and pay social security by affiliated with third-party companies. In this case, the insured had better know these five things to avoid their losses:

First, affiliated companies pay social security benefits.

If flexible employees pay social security at their own expense, they can only pay endowment insurance and medical insurance, while affiliated companies can not only pay five insurances, but also pay housing provident fund, and finally enjoy more benefits. In addition, if you choose to pay social security at your own expense, women need to be at least 55 years old to go through retirement procedures. If the affiliated company pays social security, women can retire at the age of 50 and enjoy social security benefits earlier.

Second, measure your economic strength.

Everything has two sides. Although affiliated companies enjoy more welfare benefits, they also have to bear higher social security costs. They not only have to pay the full cost of paying the five social insurance and provident fund, but also pay an extra handling fee. Even if you pay according to the local minimum payment base, your personal financial pressure is not small. If your income is not stable enough and is not very high, it is recommended not to choose to pay social security by affiliated companies, which will bring a lot of burden to your later life.

Third, be clear about your needs.

If you have any plans to have children in the future, it is still very cost-effective to call the company to pay social security. After all, having children costs a lot. As long as you pay maternity insurance and meet the relevant local regulations, you can enjoy reimbursement of medical expenses and receive maternity allowance.

Fourth, social security costs are reduced in stages.

Affected by this year's epidemic, starting from February 2020, the state will reduce the contributions of enterprises' basic old-age insurance, unemployment insurance and industrial injury insurance units, and the policy of exempting small and medium-sized enterprises from the contributions of three social insurance units will be extended to the end of February 2020. While reducing the burden on enterprises, it is also a great benefit for the insured who pay social security through affiliated companies, which means that they can save a sum of money when paying.

Fifth, we need to take some risks.

If you are affiliated with an informal company to pay social security, they must forge labor relations and labor certificates to qualify for payment, but this is illegal. Once found out, it may bring trouble to yourself. Therefore, the insured must choose a formal institution to pay social security and sign an agreement to pay social security. When handling, be sure to check the business license and human resources service license. Only in this way can they protect their legitimate rights and interests.