Is social security good for yourself or for affiliated units?

Which is better, social security or affiliated units? Social security payment methods have their own characteristics, which are analyzed from the following three aspects:

First, from the perspective of insurance varieties:

Because the company is forced to pay social security, it can enjoy all five insurances after being linked. However, it is voluntary to pay social security by yourself, and you can only pay three kinds of insurance: old-age insurance, unemployment insurance and medical insurance. The other two people can't pay the fees, so they can't get the corresponding protection. In this comparison, subordination is dominant.

Second, judging from the expenses paid:

Individuals can pay social security only by paying 28% pension insurance, 1% unemployment insurance and 12% medical insurance with 3 yuan, and the cost is relatively low.

However, if you are affiliated with a company, because the company requires you to pay social security, you have to bear the expenses of other two insurances besides pension, unemployment and medical care, and also bear an agency fee. Total expenditure will increase.

Comparatively speaking, individual contributions can save a sum of money.

Third, in terms of risk:

The whole process of individual payment is done by oneself, and to find an agent, you need to give your identity information to the agent. In addition, the reason why you don't work in the other company, but you can pay social security is because you signed a false labor contract, which is originally a gray area and may involve violations, so to be on the safe side, you should pay it yourself.

In fact, the first level of endowment insurance paid by affiliated units and individuals in China is divided into urban and rural areas and employees. Employee social security is divided into enterprise employee social security and flexible employment social security. In fact, the social security of enterprise employees participated by affiliated units and the social security of flexible employees paid by individuals themselves belong to employee social security. Because they are all employee social security, the benefits received after retirement are the same. Therefore, there is no difference between attaching to social security and paying social security by individuals, and the final retirement benefits are the same.

There are two main ways for individuals to pay social security, one is for flexible employees to pay social security, and the other is for urban and rural residents to pay social security. I suggest that you pay social security through flexible employment, increase the payment base, or lengthen the payment period, so that the future pension treatment is more cost-effective. However, it is conditional to pay social security as flexible employment. Some cities stipulate that you must have a local hukou to pay social security yourself. Some cities still support foreign hukou as a flexible employee, such as Guangzhou, Chengdu, Wuhan, Zhengzhou and other places. The insurance process of foreign hukou is no different from that of local people paying social security themselves.

legal ground

Criminal law of the people's Republic of China

Article 266 Whoever defrauds public or private property in a relatively large amount shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or public surveillance, and shall also, or shall only, be fined; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than ten years and shall also be fined; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined or confiscated. Where there are other provisions in this Law, such provisions shall prevail.

People's Republic of China (PRC) social insurance law

Article 58 An employing unit shall, within 30 days from the date of employment, apply to the social insurance agency for social insurance registration for its employees. If the social insurance has not been registered, the social insurance agency shall verify the social insurance premium it should pay. Employees-free individual industrial and commercial households who voluntarily participate in social insurance, part-time employees who do not participate in social insurance in the employing unit and other flexible employees shall apply to the social insurance agency for social insurance registration. The state establishes a national unified personal social security number. Personal social security number is a citizen's identity number.