Do not go to work to depend on the unit to pay social security, and unit employees and individuals to pay their own contributions what is the difference?

With the continuous improvement of social security, there are many people have long been found to pay the benefits of social security, but for various reasons, we should not have a business to pay for their own social security, there may be their own business did not pay their own social security, but they want to enjoy the personal social security this blessing, then we only have two kinds of selection - my own or find a company to rely on, that want to know more about the individual to pay social security and what is the difference between a dependant company, and a company to pay social security. What is the difference between paying for social security and being affiliated with a company?

The certified unit to pay social security, only two cases using the form of certified more suitable, one is to pay social security personnel in a different place, but in the local is not allowed to freelancers in the local payment of social security; secondly, Ms. freelancers if their own payment of social security, must be 55 years of age before you can apply for retirement, and rely on the company to pay, women can enjoy the female workers 50 years of age of the enterprise to handle the retirement policy. The policy.

No work license unit to pay social security, and the unit of the on-the-job workers compared, although only dependency relationship, but must be in accordance with the form of the unit's employees to pay. In accordance with the provisions of the social security law, by the unit to pay the social security of the employees, need to pay the pension insurance premiums, social health insurance, unemployment insurance, maternity insurance, industrial injury insurance and other five social security.

If the employees belonging to the unit, the social pension insurance, health insurance, unemployment insurance is by the unit and the employee themselves in proportion to the allocation of the payment, the social pension insurance contribution ratio is 24%, in which the enterprise contribution ratio of 16%, the employee only paid 8%; health insurance overall contribution ratio of 8%, in which the enterprise contribution ratio of 6%, the employee only paid 2%; unemployment insurance overall contribution ratio of 1%, the enterprise only paid 2%; unemployment insurance overall contribution ratio of 1%, the enterprise only paid 2%. The overall contribution rate for unemployment insurance is 1%, with the enterprise contributing 0.5% and the individual employee contributing 0.5%; maternity insurance and work injury insurance are paid by the employer, and the employee does not have to pay.

The dependent company to pay the employee's social security, because only dependent relationship, the employer company to handle a series of materials for its employees, such as labor contracts, employee roster, payroll, and so on, and human resources department every year to deal with the renewal of the insurance premiums, etc., each of these materials need to be the same as the active employees, the number of contributions in accordance with the provisions of the dependent company to carry out.

At this stage for the employee's contribution must be in accordance with their actual income as a contribution base, but no matter how high the contribution base, the employee himself only bear the personal contribution, that in the case of the employee, only the benefits of no bad place. But the person who depends on the company to contribute, from the essence of just dependence relationship, rather than labor relations, most of me can not pick the level of contribution, how to contribute to the enterprise, I am in accordance with the provisions of the enterprise to pay fees.

If the person to be in accordance with the 60% standard payment, so that the enterprise in the production of my base, it must be less than the previous year's average monthly income of employees in accordance with the standard of 60% to formulate, can be in accordance with 60% of the standard to pay social security, and the essence of the staff is the difference is to bear the full amount of social security costs.

For example, the contribution base of 5,000 yuan, the unit workers themselves only bear the monthly pension insurance costs 400 yuan, medical insurance costs 100 yuan, unemployment insurance costs 25 yuan, 525 yuan per month from the salary deduction, but dependent on the company's contributions to the people, the monthly need to bear the pension insurance costs 1,200 yuan, 400 yuan of medical insurance costs, unemployment insurance premiums of 50 yuan per month should pay 1,650 yuan to the unit of social security costs. The unit to pay social security cost 1,650 yuan, about 1,125 yuan per month more than other employees to pay the cost.

If you don't depend on the company to pay the fee but you pay the fee according to the form of freelancer, still according to the monthly 5,000 yuan as the contribution base, the social pension insurance contribution ratio is 20%, less than the dependence on the company of 4 percentage points, pay the monthly pension insurance fee of 1,000 yuan, the contribution ratio of medical insurance is 8%, the monthly payment of 400 yuan, do not pay the unemployment insurance, so that the monthly payment social security Cost 1400 yuan, 1650 yuan per month dependent on the company to pay, reduce 250 yuan, each year to reduce 3,000 yuan, if according to the payment of 15 years to calculate, to reduce the payment of a total of 45,000 yuan, which is also a huge amount of data.

If the savings of 45,000 yuan for the enhancement of the number of years of contributions, you can pay more than 3 years, more than 3 years of contributions per month to increase the pension in more than 300 yuan, that is very cost-effective for me, not only the pension will increase, that is, in the future, China's adjustment of the pension pension will be increased by adjusting the amount of pension insurance.