How to deal with the pressure of endowment insurance for flexible employees?

Pension and medical insurance for flexible employees can be paid separately. If it is convenient to pay, the students who are employed have great pressure on personal social security and can only pay social endowment insurance for flexible employees. After all, the social endowment insurance for flexible employees refers to the management scheme of urban endowment insurance, and it is more favorable than urban endowment insurance. The pension service for flexible employees only pays 20% of the payment standard, of which 12% goes into the comprehensive account and 8% goes into the personal account. Workers' urban endowment insurance must be paid at 28% of the payment standard, of which 20% will be paid into the comprehensive account and 8% into the personal account.

As a unit, it is responsible for most of the payment and the amount of payment. Under normal circumstances, the company has to pay 16% of the social endowment insurance, and everyone only needs to pay 8%. In other words, I have to take care of 2/3 of the enterprises I undertake13, and I will take it from everyone at once. However, flexible employees themselves are different. Flexible employees have no stable jobs and income, and they also need to pay personal social security in full.

Although they are flexible employees, the overall contribution rate of social endowment insurance is slightly lower than that of employees in the company, because flexible employees pay according to 20% social security. Employees in the company pay 24% of the social security, but 20% of the flexible employees pay for you. No enterprise unit will give you a penny because you have no unit at all. Therefore, compared with the incumbent, he only needs to deduct 8% of the pension insurance contributions from his salary.

In the absence of fixed jobs and income from economic development, they still need to pay personal social security contributions within 10000 yuan every year. Obviously, they are under great financial pressure, which is normal. Therefore, some people are unwilling to participate in the personal social security of this flexible employee because they are afraid of their hands and feet. Everyone says it's possible. Because flexible employees are different from on-the-job employees after all, they are voluntary payment standards. You can choose to pay social security or not. Naturally, it is paid once a year, and you can temporarily give up paying for a period of time.

In that case, we can reasonably reduce our financial work pressure. Let's give a simple example. Assuming that your social and economic situation is not very good in recent years, you can choose to temporarily give up the personal social security contributions of flexible employees in these years, and then wait for two years, such as 1~2 years, when your social and economic level improves, you can participate in the contributions of flexible employees again. In that case, although it will lead to the termination of personal social security, it can effectively improve people's financial work pressure. So I think that method is very effective, so it is not standardized to completely give up personal social security contributions. After all, if you give up for too long, the level of enjoying old-age insurance in the future will be greatly hurt.