Do you know three things that flexible employees need to know to pay social security fees to avoid losses?

Flexible employees are what we often call freelancers, such as freelancers, hourly workers, shoe repairers, vegetable sellers and so on. Their way of working is free, flexible and unconstrained. Social security is the welfare that the state gives to every worker, and it is mandatory. Enterprises must pay social security to employees, otherwise it is illegal. Flexible employees have no fixed work units, and their income is not as stable as that of on-the-job employees. What should they do if they want to pay social security?

First, you can choose to pay employee social security at your own expense.

Flexible employees pay social security at their own expense and can only participate in endowment insurance and medical insurance, and they need to bear all the expenses themselves. Take Taiyuan, Shanxi as an example. In 2020, the minimum payment base will be 2739 yuan, and the maximum payment base will be 13695 yuan, of which 20% will be paid for old-age insurance and 9% for medical insurance. You can choose the appropriate grade according to your actual situation.

Second, you can choose to call the company to pay social security.

Affiliated companies can enjoy the same insurance benefits as employees, but the expenses are quite different. The social security premium of employees is shared by the unit and employees, in which enterprises have to bear more expenses, while employees will pay less. If you pay social security, you must pay all the expenses of the five insurances yourself, including the part paid by the enterprise. In addition, you need to pay some extra fees, which are heavier than paying social security at your own expense, and even bear the risk of being cheated.

Third, social security can be paid for residents.

In addition to employee social security, flexible employees can also choose resident social security, but the treatment is not as good as employee social security, but it is very suitable for people with average income. After all, paying once a year will reduce the pressure of payment. For example, in Shanxi, there are many payment grades for old-age insurance, ranging from 200 to 5,000 yuan, while medical insurance is fixed in 280 yuan, and you can enjoy medical insurance benefits for one year as long as you pay one year.

To sum up, it is still very difficult for flexible employees to pay social security. You can choose the payment method that suits you according to your actual situation and needs. In addition, you should also pay attention to these three points, otherwise you will suffer.

First, ensure enough bank card accounts.

Flexible employees pay social security at their own expense, and must ensure that the money in the bank card is enough to pay the monthly social security expenses. If the account balance is not deducted enough, the social security payment will be broken, which will seriously affect the social security benefits after retirement, and the loss will be yourself.

Second, pay attention to applying for social security subsidies.

Flexible employees are under great pressure to pay fees, so the state also has corresponding subsidy policies. Those who meet the conditions of people with employment difficulties and apply to the local area can enjoy social security subsidies for a minimum of 3 years and a maximum of 5 years, greatly reducing the economic burden of flexible employees. The subsidy standard is calculated according to a certain proportion of the social security fees actually paid by flexible employees, and the subsidy proportion can generally reach about 60% of the amount paid by individuals. However, the specific subsidy method still depends on the regulations of local social security institutions.

Third, after the death of the insured, the immediate family members should not forget to receive these three sums of money.

After the death of the insured, the immediate family members can inherit the balance in their personal accounts according to law, including pension personal accounts and medical insurance personal accounts. At the same time, some funeral subsidies and pensions can be obtained, but the specific amount depends on the actual situation. However, the overall treatment of employee social security is definitely much better than that of resident social security.