Do affiliated companies pay social security in full like flexible employees? Which is cost-effective?

According to the provisions of the Social Insurance Law, employees should participate in the basic old-age insurance, and the employer and employees themselves should bear the corresponding insurance expenses. Enterprise enrollment is compulsory and individual enrollment is voluntary. Is there a difference between the two?

1, the payment ratio is different. The proportion of employees' individual contributions is uniformly stipulated by the state, which is 8% of their own contribution base. In some places, the payment ratio of employers is based on the total wages of employers, and some are based on the payment base of insured employees. Generally, the payment ratio can be reduced from 1 in May of 20 19 to 16%.

2. Companies and individuals pay different types of social security contributions. The company pays social security, pension, medical care, unemployment, maternity and work injury insurance; Individuals who pay social security can only pay pension and medical insurance. In other words, companies can enjoy unemployment benefits when they are unemployed, maternity allowance when they give birth, and compensation for work-related injuries when they are injured, while individuals can't enjoy these three subsidies when they pay social security. It is uneconomical for individuals to pay only 20% of the payment base, while those affiliated with the company should pay more unemployment, maternity and work-related injury insurance.

3. Companies pay social security, and individuals pay social security in different forms. Individuals pay social security by themselves, and the expenses are deducted from their personal accounts, and the social security paid by the company is deducted from the company Gong Hu.

Comparison of two kinds of payment: the company pays according to the insured payment base multiplied by the payment ratio. If it is the same payment base, the proportion of enterprises paying basic old-age insurance is 24%, and the proportion of individuals participating in flexible employment insurance is 20%.

For example, if the payment base is 5,000 yuan, enterprises need to pay 1.200 yuan/month, and individuals need to pay 1.000 yuan/month for old-age insurance, then individuals will pay less unemployment, maternity and work-related injury insurance.

Comparison of pension benefits;

The retirement age makes no difference to a person, except that the amount transferred to the personal account is 8% of the payment base. According to the monthly payment 1200 yuan, the amount credited to the personal account is 400 yuan; According to the calculation of 1 000 yuan per month, the amount credited to personal account is also 400 yuan. So the personal account pension is the same.

The basic pension is equal to the average monthly salary of employees in the previous year at the time of retirement ×( 1+ my average contribution index) ÷2× years of payment × 1% (the contribution index is actually equal to my contribution base in that year ÷ the social contribution base in that year. )

If the social security payment base in that year was 6,000 yuan, and the payment was made according to the payment base of 3,600 yuan, then the participation payment index of enterprises and individuals is the same. So the impact on the basic pension is the same.

Flexible employees pay endowment insurance according to a certain payment base, which is generally between 60% and 300% of the local average wage, and the payment ratio is 20%, of which 12% goes into the social pooling account and 8% goes into the personal account.

At the same time, there are some disadvantages in the payment of affiliated units, such as different payment ratios and the need to pay more; Some units also need to charge affiliated fees; Increase legal risks, such as the risk that the social security fees paid to the unit may not be included in the social security account on time due to poor management of the unit. However, there are some advantages to paying fees by affiliated units, such as solving the problem that they can't continue to pay fees, and female employees can retire five years in advance.

conclusion

No matter whether you pay social security by the company or by individuals, as employees in the company (paid by the company) and flexible employees (paid by individuals who don't go to work), you also pay 15 years of old-age insurance, and the pension benefits when you retire are definitely completely different.

Social security paid by enterprises is called social security for urban workers. Individuals with flexible employment can pay social security or urban residents' insurance for flexible employment. Flexible employees pay more social security than urban residents, but they also receive pensions. This paper focuses on answering the difference between the social security paid by affiliated units and the social security paid by individuals for urban residents, and which is cost-effective depends on personal judgment.

Let's talk about the treatment and differences between the two payment methods.

You have employee social security, which proves that you have a stable job and a fixed work unit, and have the financial resources and repayment ability to qualify for social financing (handling credit cards or bank commercial loans).

You have employee social security and housing provident fund. When buying a house, in addition to commercial loans, you can also use the housing provident fund for low-interest loans.

You have employee social security, and you can swipe your card for medical treatment in outpatient department, and the reimbursement rate can reach 90%.

You have employee social security. If they are female employees, they can retire at the age of 50, five years earlier than the insured.

You have employee medical insurance. As long as you have paid 25 years of medical insurance, you can continue to enjoy medical insurance benefits for life without renewing your insurance after retirement. Personal insurance needs to continue to pay to enjoy.

There are so many different treatments for employee social security, because the amount it pays is very high, including personal part and enterprise part, which are submitted by enterprises in a unified way.

Social insurance for urban workers includes five insurances (pension, medical care, work injury, unemployment and maternity) and one gold (housing accumulation fund). If you don't choose to pay insurance, you must pay it every month until you retire.

Urban residents' insurance only includes endowment insurance and medical insurance, but only one of them can be paid. After fifteen years, pension can be stopped and medical insurance can only be renewed, and the annual payment is very low.

Handling social security for employees is compulsory insurance, but any labor contract signed between employees and employers has been filed by the labor security department, and the unit must pay insurance. Social security relationship is also the supervision of individual employment by labor and social security departments. Flexible employees do not need employment supervision.

If flexible employees find a company to pay insurance, it means that individuals need to bear personal expenses every month, and they also need to bear the enterprise part together. It is estimated that they pay thousands of dollars more every year until they retire. When you can't afford to pay retirement and pay resident insurance instead, your previous efforts will be in vain. If you expect unemployment insurance, you can only enjoy protection if you are unemployed for personal reasons. You should understand that unemployment insurance is a kind of payment.

Therefore, attaching to insurance means using money to buy treatment, but there is a risk of tossing in vain. If you are approaching retirement age, find a backer. I want to be an anchor for many years and find a job for the enterprise to undertake.

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Let's talk about whether the two are the same:

1, different types of insurance:

The affiliated unit is the social insurance for urban employees paid as on-the-job employees, including endowment insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance, and all kinds of insurance must be paid in full;

Although social insurance for urban workers is also paid as flexible employees, most areas only have endowment insurance and medical insurance, and some areas need to be bundled with unemployment insurance. Moreover, in some areas, old-age care and medical care are tied together and inseparable. In some areas, pension and medical care can be paid separately.

2. Mandatory differences:

It is a legal right and obligation for employees to pay social insurance. As long as it belongs to the legal sense, it must be paid, which is mandatory by laws and regulations. Individuals cannot choose whether to pay or not.

As a flexible employee, paying social security is considered comprehensively by the insured according to their own situation, and they can choose to pay or not to pay, which is voluntary.

3. Different rates:

Take the pension insurance that both parties can pay as an example.

Belongs to the employer and belongs to the on-the-job employees. Individuals pay 8% of the contribution base of endowment insurance, which goes into personal accounts, but the part that employees should be borne by the unit is also borne by individuals, accounting for 20% of the contribution base (19 provinces 19%, Shanghai's 20%, and other provinces' 2 1%).

As a flexible employee, he has to pay 20% of the payment base, of which 8% goes into personal account.

4. Different payment basis:

The base for employees to pay social insurance is their average monthly salary in the previous year, and individuals and employers cannot choose;

The payment base of flexible employees can be selected according to the prescribed scope of the location. For example, the local optional range is 60%, 70%, 100% of the social class, etc. , and can be selected according to the actual situation.

5. As for the price/performance ratio.

As can be seen from the payment rate, it is of course a cost-effective job. Take the old-age insurance as an example, individuals only need to pay 8% of the payment base, while flexible employees need to pay 20% of the payment base.

However, because most individuals need to bear the part that should be borne by the unit, the payment has become 28%. On the contrary, it is higher than the burden of flexible employees. This also leads to uneconomical.

In other words, if the part that should be borne by the employer is linked, it is not cost-effective if it is borne by the individual. If the affiliated unit is a boy who sends money, he is willing to bear this part of the cost for you. Of course, it is cost-effective, but such employers are very rare, unless your relationship is special.

6. Enjoy different treatment.

Because you belong to the employer, you have paid maternity insurance and unemployment insurance, and you can enjoy it when necessary.

Flexible employees do not have this benefit.

Moreover, due to the north, Guangzhou, Shenzhen, Hangzhou, Tianjin, Shijiazhuang and other places, the treatment of buying a house, buying a car and settling down to educate children is linked to social security. Belonging to the employer, you can enjoy relevant policies.

7. On the issue of pension.

Of course, if you only enjoy the pension, the calculation method of retirement for affiliated employers and flexible employees is the same.

In my opinion, it is advantageous for affiliated companies to pay social security in full. However, if the economic benefits are cost-effective, it is far less cost-effective to pay insurance for flexible employees.

The main reasons are as follows:

Social security paid by enterprises includes five insurances: basic pension, basic medical care, work injury, maternity and unemployment. If you pay social security yourself, you can generally pay basic old-age insurance and basic medical insurance, and some areas can also pay only basic old-age insurance. If you pay more insurance in this way, there will be a big gap in the money you pay. Flexible employees also have great flexibility and selectivity in the payment base.

In the eyes of social security departments and government departments, enterprises will always be very powerful departments, and the payment ratio will be paid in accordance with state regulations, generally 20% for old-age care and 6~ 10% for medical care. In addition, employees themselves have to bear an additional 8% pension and 2% medical care.

However, flexible employees should take care of the enterprises and individuals themselves. Most pension contributions are 20%. Medical insurance in some places has also established medical insurance for flexible employees without personal accounts. For example, Yantai dropped by 3.5%.

Some employment promotion departments will pay their own social security for people with employment difficulties and give certain social security subsidies. Generally, it will be subsidized nationwide for three years. If the first application for retirement is less than five years, they can apply for retirement. The proportion of subsidies can generally reach 50% or even 66% of personal consumption. Of course, local policies are different, and the fixed subsidy in 500 yuan does not exceed 2/3 of the personal burden.

From this perspective, it is obviously more economical to pay wages to flexible employees.

First, in some areas, women's retirement age enterprises can retire at the age of 50, and flexible employees can retire at the age of 55, which is a big gap. So many people are willing to find a company to pay.

Second, in some areas, there is no maternity insurance if you pay social security yourself. Only enterprises can enjoy maternity insurance if they pay. The main reason is that the Social Insurance Law stipulates that maternity insurance shall be fully borne by enterprises. However, with the merger of maternity insurance and medical insurance, this provision will not appear in the future.

Third, enterprises can enjoy unemployment insurance by paying social security. You can get unemployment benefits for three months a year, and the state will also pay medical insurance.

Therefore, each has its own advantages and chooses according to its own needs. For those who only seek pension income, it is more cost-effective to participate in flexible employment insurance.

My opinion is that it is more cost-effective for individuals as flexible employees, but each has its own advantages. Let's share my personal views.

First, the types of social security contributions are different.

Individuals who apply for social security as flexible employees generally only pay endowment insurance and medical insurance; And affiliated companies, in accordance with the requirements of the social security law, must pay pension insurance, medical insurance, maternity insurance, unemployment insurance and work-related injury insurance, and even require to pay housing provident fund. Because of the affiliated relationship, the part that the unit needs to pay, especially the maternity insurance and work injury insurance paid by the unit, is also paid by the affiliated person.

Second, the payment ratio is different.

Individuals pay endowment insurance, the proportion of payment is 20%, and the proportion of medical insurance payment is 8%, which is borne by individuals themselves; However, after the bill is attached, it needs to be paid to the employer in full by the affiliated person according to the payment ratio of the unit. Endowment insurance needs to bear 24%, 4 percentage points more than individual contributions, and medical insurance is 8%. In addition, unemployment insurance should bear 1%, maternity insurance should bear 1%, work injury insurance should bear 1%, and housing accumulation fund should bear 10% (the minimum payment standard), which is equivalent to 7% more individuals in social security. The money paid by the housing provident fund belongs to individuals and can be used as deposits and belongs to their own money.

Third, it is necessary to increase ancillary expenses.

If you are affiliated with a friend's company, you may not generate an affiliate fee, but if you are affiliated with a social security institution, you need to pay a certain affiliate fee.

Fourth, legal risks.

The risk of this law mainly comes from two aspects. If the affiliated unit fails to transfer to the social security account on time, it is risky for itself. If the unit is poorly managed, the social security fees paid by itself may not be transferred to the social security account on time, and the law itself is not allowed to link it.

First, you can solve the problem that you can't continue to pay.

If the social security has been paid for a certain number of years in different places, individuals can't continue to pay in their personal capacity in the local area, and they can solve it by means of affiliated units.

Second, female workers can retire five years in advance.

For women, through affiliation, they can retire as employees at the age of 50, while individual contributions can only be processed at the age of 55.

Third, it can solve the problem of housing provident fund loans.

If I have the need to buy a house and need to apply for a housing provident fund loan, I can pay the housing provident fund by attaching it, so as to qualify for the housing provident fund loan.

To sum up, affiliated units and individuals have their own advantages and disadvantages. If you don't apply for social security for flexible employees in the name of individuals in different places, it is generally not recommended to hook up; However, if you have paid a certain number of years in the field and can't continue to pay social security for flexible personnel in different places in your personal capacity, the affiliated unit is forced to do so.

Social security is the general name of social insurance, including endowment insurance and medical insurance. Social security in our daily life mostly refers to "endowment insurance".

On-the-job employees and flexible employees can participate in social security for urban employees, among which employee pension insurance and employee medical insurance are exactly the same types of insurance.

The main differences between paying social insurance by individuals associated with the company and paying social insurance by themselves as flexible employees are:

First, the types of insurance are not completely consistent.

Under normal circumstances, individuals who are affiliated with companies to withhold and pay social security need to pay four insurances: endowment insurance (including maternity insurance), medical insurance, industrial injury insurance and unemployment insurance.

Flexible employees pay their own social security, can only participate in employee pension insurance, but also participate in employee pension insurance and medical insurance at the same time.

Second, the payment burden is different.

If an individual is affiliated with the company, all insurance premiums must be borne by himself. First of all, we should pay more unemployment insurance premiums and work-related injury insurance premiums, and secondly, the contribution rate of endowment insurance is 24%.

Flexible employees do not need to pay unemployment insurance and work injury insurance, and the contribution rate of old-age insurance is 20%.

Third, agency fees and social security subsidies.

Individuals affiliated with the company, it is estimated that the company will charge a little agency fee.

For flexible employees, the state will have a subsidy policy. Generally, it will be subsidized for three years, with a maximum subsidy of five years. The subsidy amount is almost more than half of the payment.

Fourth, treatment.

Individuals affiliated with the company can enjoy maternity insurance, industrial injury insurance and unemployment insurance benefits. For example, unemployment insurance can get unemployment benefits for up to 24 months, and the government also pays medical insurance premiums during unemployment. Women can also retire at 50.

Flexible employees only have pension insurance and medical insurance benefits, and women can only go through retirement procedures when they are 55 years old.

Based on the above analysis and comparison, if individuals have no special purpose, it is better to apply for employee pension insurance and medical insurance as flexible employees from the economic point of view.

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Conclusion: Actually, it depends on which type of social security you choose. On the whole, employee social security has higher payment and security benefits than resident social security.

1 If you choose to pay social security for employees and choose affiliated companies to participate in the insurance, then enterprises need to bear most of the premiums, and individuals need to bear a small part of the premiums, forming a form in which enterprises and individuals pay at the same time, and the payment cost is relatively low. Three of the five insurances are paid at the same time, and the remaining two or three insurance companies bear it. If you choose to participate in employee social security in the form of flexible employment, then all the premiums will be borne by yourself, and the payment cost is high.

In addition, you need to be a local household registration to choose an affiliated unit. If you don't have a local household registration, you want to pay your own insurance. With flexible employment status, you can only choose social security for residents, and the payment cost is relatively low, mainly medical care and endowment insurance. Pay it once a year. The social security of employees with foreign household registration can only be in the form of affiliated units. Or choose to return to the social security of the residents where the household registration is located. The medical reimbursement and service of employee medical insurance is better than that of resident medical insurance. You can accumulate payment years and enjoy life-long free medical insurance, but the payment is also high and the residents' medical insurance payment is low. Moreover, the financial subsidy is the most, the payment guarantee is one year, and there is no personal account.

To sum up: affiliated units have high cost performance, low payment cost, enterprises bear most of the premiums, and flexible employment has high payment cost, which is borne by themselves.

Let me answer this question.

Paying social security for affiliated companies is different from paying social security for flexible employment, and retirement benefits are also different.

There are labor contracts for affiliated companies to pay social security. Units pay 20% of the total wages, individuals pay 8%, and one * * * is 28%. The company will pay the management service fee to the company itself. You even have to sign a behind-the-scenes agreement that both parties only pay social security and work-related injuries have nothing to do with the company. This kind of social security, male 60, female 50, can retire.

Individuals pay social security for flexible employment and bear 20% of one of the social security payment standards in full, of which 8% goes into personal accounts, and men can only retire when they are 60 years old and women are 55 years old.

Similarly, access to personal accounts is 8%.

In addition, flexible employees with urban hukou can apply for 4050 social security subsidies, and the subsidy standards vary from 50% to 70%, which can be reported for three to five years.

From two aspects, it is better for affiliated companies to pay social security and flexible employees to pay social security.

First of all, the cost of paying social security by affiliated units is not lower than that of flexible employees. Another problem is that affiliated units will involve some hidden dangers and risks, because affiliated units are not regular employees after all, and some units that help people pay social security will charge some other fees for this. In case of changes in their social security, it will be troublesome.

Secondly, as a flexible employee to pay social security, the payment standard is flexible, and you can freely choose the payment grade and make the best choice according to your own situation. At the same time, if it involves other benefits of unemployed people or flexible employees, you can also participate in or enjoy them.

Therefore, by comprehensive analogy, it is more cost-effective for flexible employees to pay fees, which is not easy to cause problems and involves risks.

Hello, landlord, is calling the company in full the same as paying social security for flexible employment? Which is more cost-effective? Then these two situations are completely different. First of all, if you say that you are affiliated with a company to pay social security in full, then in fact, the social security expenses you bear are the same as those of your company, both of which are relatively high, about 40% to 50%.

However, if you pay social security in the form of flexible employment, because flexible employees can only choose to pay employee pension insurance and employee medical insurance, its proportion is relatively low, and flexible employees only need to pay 20%, then medical insurance can choose 4%, so your total payment can be at least 24%.

Then this 24% payment ratio is actually much lower than the 40% payment ratio of affiliated enterprises, so the cost you bear for yourself will be much less. Therefore, in this case, individuals who can choose flexible employment payment should not choose to pay by affiliated enterprises, because it is not cost-effective for them to pay by affiliated enterprises.