What are the disadvantages of social security dependency

These two have their own advantages, if you want to receive a secure pension, choose the flexible employment social security will be better; and dependence on the social security payment will be an additional layer of risk, but if you successfully retired, receive a pension than the flexible employment a lot more.

Below are some of the differences between dependent and flexible employment:

1, the essential difference

Dependent payment of social security is not recognized by the social security law, there is a certain risk. Such as many people in the dependent unit to pay the full 15 years, in the issuance of retirement certificate, the dependent unit does not give with the opening of the certificate, which is equivalent to the white payment. And if the dependent unit to pay social security, although the unit also gives the certificate, but because not recognized by the social security law, once found out as usual can not be normal for retirement.

2, payment

As we all know, the enterprise workers pay 24% of the base salary for pension insurance costs, that is, 16% of the unit contribution, personal contribution 8%. And flexible employment social security pension insurance ratio of 20%. For example, with a base salary of 5,000, the unit contribution of 16% is 900 yuan, and the individual contribution is 400 yuan. Then together is 1200 yuan. With a base salary of 5,000, the own contribution is 1,000 yuan. So the former is more than the latter, according to the pension insurance pension more pay more, its contribution more, later get the pension is relatively more.

3, the retirement mode is different

The dependency unit to pay social security female personnel is 50 years old retirement, and flexible employment personnel is 55 years old. Flexible employment personnel to pay longer.

4, for different retirement

The dependents need to go to the unit for the retirement certificate, and then go to the Social Security Administration for retirement. Flexibly employed people only need to bring their social security card to the Social Security Administration to fill out the application form.

Finally, in terms of receiving a pension, a dependent unit receives a higher pension than a flexibly employed person. But on balance, there are pros and cons between the two. If you are pursuing a secure pension, choose flexible employment to pay will be better; if you are pursuing a higher pension, not afraid of the risk, you can choose to hang the unit to pay.