What is the difference between enterprises and individuals paying social security on 15?

Most people always feel that enterprises pay higher social welfare pensions.

However, in practice, it depends on where to stop the comparison.

If it is the same payment base, the same payment period and the same retirement place, the pensions of the two are the same!

But overall, it is cost-effective for enterprises to pay social security!

There are several reasons:

First, the unit pays social security, and the payment base is high.

If we join a work unit, the unit is obliged to pay social insurance for us, and the payment base of social insurance is relatively high.

Because most sensitive employees and individuals pay social security, they choose the minimum payment base, and the minimum payment base is also the most cost-effective.

But as far as enterprises are concerned, the payment base should be calculated based on their average salary in the previous year.

Take Qingdao's 20 19 social security payment base as an example. Individuals usually pay a minimum payment base of 3,269 yuan, and units pay social security based on actual wages.

The average social wage in Qingdao in 20 18 years is 5449 yuan.

In other words, most people's income will be four or five thousand, so the social security payment base is also four or five thousand, which is higher than the minimum payment base of 3269 1000.

As far as pensions are concerned, the higher the payment base, the higher the pension.

Second, it is more cost-effective for individuals to pay social security.

The unit contribution ratio is about 27%, and the individual only needs to pay about 10% of the personal part.

As for enterprises to pay social security, the requirement is that the average salary of the previous year is the base, the unit contribution is about 27%, and individuals only need to pay about 10%.

Among them, endowment insurance is 8% and medical insurance is 2%.

In this case, taking the minimum payment base of 3269 as an example, individuals only need to bear 326.90 yuan per month!

For sensitive employees, individuals bear all social insurance premiums, even the minimum base, and pay 980.60 yuan per month.

Third, the unit pays social security, and female employees retire earlier.

The retirement age in China is 50 for female workers, 55 for female cadres and 60 for men.

But regarding sensitive employees, the retirement age stipulated by the state is 55.

Therefore, if you want to retire early, then if you pay social security in the enterprise, female employees can retire only at the age of 50, but sensitive employment will have to wait another five years!

Early retirement means that you can avoid paying social security fees and get a pension. If health permits, you can stop retiring and re-employment and take a second job.

At a time when many people are trying to retire early, is it more cost-effective for a company to participate in insurance and retire at the age of 50?

Four, the salary of affiliated enterprises, to make another analysis.

If it is a sensitive employment group, if it is linked with enterprises to pay social security fees, the demand will be analyzed separately.

1. The pension formula is the same.

Enterprise contributions and sensitive employment personal contributions belong to a system, that is, the old-age insurance system for urban workers.

Therefore, the calculation formulas of payment base, payment period and pension are exactly the same.

Step 2 pay for it

Because the social security premium is solely the responsibility of the individual, the same payment base, enterprises have to pay five insurances, while sensitive employment social security only needs to pay two insurances, pension and medical insurance, which is definitely higher for enterprises!

3. Early retirement is cost-effective.

As for the female workers approaching retirement age, if they can retire early, it will definitely be cost-effective to pay for the affiliated enterprises.

Even if you pay three more insurances every year, you can retire early, which is also cost-effective!

To sum up, enterprises pay social security 15 and individuals pay social security 15. If they have the same payment base and the same retirement place, the pension is the same.

However, in the process of social security payment, there are still many tricks, especially for lesbians who are about to retire. Although it is more expensive to pay by enterprises, it is more cost-effective to retire early!

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