Individuals with flexible employment to buy social security, contributions are getting higher and higher, now continue to pay is still cost-effective?

Individuals with flexible employment to buy social security, contributions are getting higher and higher, is it still cost-effective to continue to pay?

Is it still cost-effective to buy social security now that my contributions are getting higher and higher? The reason for this is that individuals who purchase their own social security in the form of flexible employment, including employee pension insurance and employee health insurance, are required to bear the full cost of this compared to the company's employees who are so flexible that the employed person has to bear a higher cost, so that for the flexibly employed person, the economic burden will be greater.

There is also a very important problem, that is, flexible employment is usually not fixed in the unit, which means that there is no fixed fixed income, and have to bear a large amount of social security payment costs, it is obvious that the economic burden of students, is indeed very large. Therefore, many people can not pay social security such a situation. And many people only according to a minimum contribution norms, that is, the pension insurance according to 15 years of a contribution to pay their own social security, that would be perfectly fine.

Year after year this contribution norms higher, let many flexible employment is daunting. The choice of whether to pay or not to pay is actually a very awkward position to be in. Some people have a total contribution period of 15 years or more of such a standard. Then choose to give up are possible. But if you have not yet arrived at 15 years a total contribution period, try not to give up their own a contribution, because then it is not up to the conditions of retirement, so that must continue to pay, social security costs, you have to meet at least 15 years of a regulation, before terminating the contribution is a more appropriate choice.

One thing to note, in their own near retirement 5 years, pick again to pay social security is more appropriate. What's going on? The 5 years of retirement is able to enjoy this social security subsidy treatment. Social security subsidy treatment is as you normally insured, this year's pension insurance and medical insurance costs, and then can enjoy a certain percentage of social security subsidies, social security subsidies accounted for about 70% of the top and bottom, so that these years to pay their own social security costs, relatively speaking, it is a relatively small cost, for their own is also a very cost-effective, so casually do not give up the last five years, pay social security costs of a situation. The cost of a situation, because you can let yourself alleviate a large part of the economic pressure, that is, they only have to bear 30% of a contribution can enjoy a normal social security contribution treatment.