Flexible employees are under great pressure to pay social security in full. Do you have any suggestions for reference?

1999 after I resigned from the administrative organ, I mainly used my personal information to pay the old-age insurance again. Although I was still working in other companies, many companies didn't pay social security at that time. Although some enterprises have paid personal social security, they don't care because they don't understand it. It was not until 2008 that the personal social security relationship was transferred to the enterprise.

At present, in addition to on-the-job employees, a large number of employees pay social security contributions in the form of flexible employment. On-the-job employees and employees of the employer company share the deposit ratio, and the employer company accounts for the majority, so the work pressure is not great; But freelancers are different. Freelancers don't have employers, so they have to pay all their own expenses, and the pressure is undoubtedly even greater. According to the payment method of freelancers, the base of payment is the average monthly income of employees in the previous year. The contribution rate of social endowment insurance is 20%, and the contribution rate of medical insurance is 8%. If both social endowment insurance and medical insurance need to be paid at the same time, it must be about 654.38+0.5 million per year.

However, freelancers are not unemployed. They just use people in different ways. They implement flexible employment instead of full-time student employment. Some are both bosses and staff. Therefore, for some freelancers with relatively high incomes, there is no pressure to pay social security fees of more than 65438+100000 per year. However, some freelancers are different. For example, migrant workers who work in cities quit their jobs and go back to small businesses, or therefore, for freelancers, it depends on the nature of the work and the work they are engaged in. Freelancers who are under great pressure at their own expense can use four methods to relieve the pressure at their own expense.

First, it is in the prime of life, and people with certain knowledge and skills are more suitable to go to work in the unit. It is certainly not a problem for these people to find jobs. Once they find a job, their social security fees can be paid by individuals instead of enterprises, so that their pressure can be relieved immediately.

The second is to reduce the deposit base or reduce the types of payment. For example, you can try to pay according to the minimum payment standard. At this stage, many places can pay 40% pension insurance, such as Beijing and Sichuan, and pay 60%. You can choose to pay only endowment insurance and change medical insurance to urban and rural residents' medical insurance, and try to reduce thousands of dollars every year.

Third, there is no need to pay endowment insurance. You can try to pay the basic old-age insurance for urban and rural residents and medical commercial insurance for urban and rural residents, so that you only need to pay a few thousand dollars a year, and this work pressure can be alleviated.

Fourth, the supply can be cut off after 15 years. The main requirement is the minimum payment period of social endowment insurance 15 years. As long as 15 years is almost over, you can get the retirement threshold, just enter this threshold. Although it is likely that the endowment insurance premium will be lower in the first two years, it will be adjusted every year in China. In other words, you only need to enter the industry of retired workers, and then the old-age insurance premium will be paid for life.

To sum up, it is often said that freelancers are under great pressure to pay social security. I have always advocated seeking truth from facts, and you can choose to pay insurance according to your economic development tolerance. I listed four main ways to relieve stress. The insured can make corresponding adjustments according to their own specific conditions, and perhaps the work pressure will not become so great.