Which is more cost-effective to pay social security by yourself or hang up the company?

It is more cost-effective to consider only pension, medical care or personal social security, but it depends on personal circumstances. It is more appropriate to use work injury insurance, unemployment insurance and maternity insurance. Generally speaking, social security is paid by the work unit, but for those freelancers, how to choose the payment method of social security is very important. If the company pays the fees, there will be more industrial injury insurance, unemployment insurance and maternity insurance. Aside from the three insurances, as far as pension and medical care are concerned, the cost of hanging in the company name is relatively high, and individuals pay less.

I. Comparison of paid fees

1, if individuals pay, they only need to pay 28% of the old-age insurance, 1% of the unemployment insurance and 12%+3 of the medical insurance. Moreover, because there is no fixed job, it is impossible to define "unemployment", so unemployment insurance can actually be considered unnecessary, and the cost is naturally lower.

2. If you belong to a company, you have to pay all kinds of social security, because the social security payment of the unit is mandatory, so the work injury and maternity insurance also have to bear the expenses. In addition, there are fees to be paid by affiliated agents, and the total expenditure will increase a lot. How is it cost-effective for individuals to pay social security and affiliated units?

Conclusion: Individual contributions save money.

Second, the comparison of benefits enjoyed.

1, as we said before, individual contributions are voluntary, so they can only pay pension, unemployment and medical care, so they can only enjoy these three items;

2. Compulsory payment is made by the unit, and you can enjoy five kinds of treatment, such as work injury and maternity.

Conclusion: Work-related injuries and maternity benefits are enjoyed by units more than individuals.

Third, risk comparison.

1. If you pay social security, the only risk is that you can't enjoy work-related injury and maternity insurance. This kind of risk can be offset by buying accident insurance and maternity insurance, which is simpler, cheaper and more convenient than paying together.

If you belong to a company, on the one hand, you have to bear the risk of personal information disclosure. On the other hand, this kind of affiliation is actually illegal and is in the gray area of law. Once you belong to a company, you can't recover your rights through legal channels.

Conclusion: Personal payment is safer and less risky.

Social security can guarantee everyone's legitimate rights and interests. Specifically, social insurance is a social and economic system that provides income or compensation for people who temporarily lose their jobs or suffer losses due to health reasons. The main items of social insurance include endowment insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance. Therefore, social insurance is very important to every worker and should be paid in time.

1, pension insurance, in layman's terms, means that you can get a pension after retirement. Paid jointly by the unit and the employees. Pay more in the future and pay more in the future. Accumulated payment 15 years, you can retire and receive a pension when you reach retirement age.

2, medical insurance, in layman's terms, is that medical expenses can be reimbursed if you are sick. Paid jointly by the unit and the employees. Accumulated medical insurance contributions have reached a certain number of years, and you can enjoy lifelong medical insurance benefits without continuing to pay after retirement.

3. Maternity insurance, in layman's terms, means that medical expenses incurred by female childbirth can be reimbursed and maternity allowance can be received during maternity leave. Payment is made by the unit, not by the individual employee.

Unemployment insurance In layman's terms, you can get compensation after being forced to lose your job. Units and employees jointly pay (units employ contract workers of farmers and herdsmen, and I do not pay unemployment insurance premiums).

Work-related injury insurance means that you can get compensation after a work-related injury. Payment is made by the unit, not by the individual employee.

Legal basis:

People's Republic of China (PRC) Social Insurance Law Article 2 The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance to protect citizens' right to receive material assistance from the state and society in accordance with the law in case of old age, illness, industrial injury, unemployment and maternity.