Self-funded social security, a big loss. Countries that pay social security at their own expense have a subsidy of 6000 yuan. Why don't you suggest paying social security after 90?

Self-funded social security is too pit, and it is a big loss.

Why do you say that self-funded social security is too pit and loses a lot? The main reason is that self-funded social security and enterprise social security have different types of insurance, different payment ratios and different standards for the verification of payment base.

1, different insurance types

According to the Social Insurance Law and other relevant regulations, employees who establish labor relations with employers should participate in five social insurances such as pension, unemployment and work injury according to law.

Flexible employees can choose to participate in the basic old-age insurance and basic medical insurance for employees as individuals according to their own specific conditions.

Friendly reminder: Whether flexible employees can participate in unemployment insurance, industrial injury insurance and maternity insurance depends on local policies and regulations. Generally speaking, it is not allowed.

2, the payment ratio is different.

If the employer is insured, the basic endowment insurance for employees shall be paid jointly by the employees and the employer according to a certain proportion; Among them, the individual contribution ratio is 8%, and the unit contribution ratio is 16%.

Those who pay social security at their own expense will pay 20%, all of which will be paid by individuals.

Friendly reminder: only a few provinces and cities have the same proportion of units participating in insurance and individuals participating in endowment insurance, and most provinces and cities are different.

3, the payment base approval criteria are different.

Although the upper and lower limits of the payment base of individual insurance and unit insurance are the same, there are still differences in the specific payment base verification.

(1) The employer is insured, and my monthly payment base is my average monthly salary in the previous year; The monthly payment base of new employees in that year is the starting salary of that month.

If the average monthly salary of the previous year or the starting salary of the current month is lower than 60% of the average salary of the employed persons in this province in the previous year, it shall be approved according to 60% of the average salary of the employed persons in this province in the previous year.

More than 300% of the average wage of employees in this province last year, calculated according to 300% of the average wage of employees in this province last year.

(2) Pay social security at one's own expense. I can choose my monthly payment base between the upper and lower limits according to my own situation.

Pay social security at one's own expense, and the state has 6 thousand subsidies

Countries that pay social security at their own expense have 6000 subsidies. However, not everyone can get this 6000 subsidy. If you want to get subsidies, you must first comply with the 4050 policy. The contents of the 4050 policy are as follows:

"Anyone who pays social security in the capacity of flexible employment, women over 40 years old and men over 50 years old, can receive 6,000 yuan social security subsidy every year, and can receive it for more than 3 years". Because this policy is linked to social security, it is as regional as social security, and the collection standards in each place are different. If you want to know more about this policy, you need to ask in the local social security area or call 12333.

Acceptance conditions:

1. You need a local account. If you are a foreign employee, you can't get it at your work unit, you can only get it back at the place where your account is located.

2. Then, apply to the local social security bureau (of course, the premise must be to meet the age requirement of over 4050 and meet the unemployment).

3. The subsidy will be called to you after you pay the social security fee, but be careful that it is not a one-time call to you, and it will be paid in batches in three years.

Why don't you suggest paying social security after 90?

1. Why don't you suggest paying social security after 90? The main reason why it is not recommended to pay social security after 90 is that the income after 90 is generally not high, but the consumption level is very high. I have deducted some social security money, and I feel a lot of pressure.

2. Secondly, the post-90s job-hopping frequency is high, and the social security will often be cut off just after delivery, so I don't care; Social security must be paid for 15 years, and you can enjoy pension benefits after retirement. Many young people think that time is too long, which is not something to consider now.

Nowadays, parents born after 80s and 90s usually retire at the age of 50 to 60. Sometimes, they see that their parents have worked hard, saved money and paid social security for decades, and they can't get a pension of 2,000 yuan every month after retirement, which makes it difficult to maintain the living expenses of the family.

Many post-80s and post-90s think that it is useless to pay social security, and even the basic life cannot be guaranteed. It will become the norm not to pay social security after 80 s and 90 s.

Friendly reminder:

In fact, in our life, the role of social security is still great. Nowadays, many cities need to pay social security for a certain number of years when they settle down, buy a car or buy a house, otherwise they will not even be eligible to apply. So remind everyone not to be fooled, the role of social security is still great, and we must look at it in the long run.

The above is about self-funded social security in 2020, I hope it will help everyone!