Is it necessary for flexible employees to pay employee pension insurance linked to enterprises?

Is it necessary for flexible employees to pay employee pension insurance linked to enterprises?

My answer is completely unnecessary. First of all, we must understand the policy. When enterprises pay social security, they must pay all five insurances: old-age medical insurance, unemployment insurance, work injury insurance and maternity insurance. This is mandatory by policy. If it is an affiliated enterprise, it must be paid in full, and an additional affiliated fee may be charged, which is illegal. Flexible employees who pay fees by themselves to the Social Security Bureau can only pay employee pension insurance or employee pension medical insurance, and the other three insurances are not required to be paid. In fact, you have to pay them for nothing, and you can't enjoy the treatment of these three risks. Under this contrast, is there something wrong with linking flexible employees with enterprises?

But if you have to pay social security outside your household registration, you may not be able to pay social security yourself. There are two options for flexible employment and non-household registration to pay social security. First, apply for the business license of individual industrial and commercial households in the insured areas. In my local area, you can apply for flexible employment with the business license of individual industrial and commercial households, pay social security yourself, and only pay two insurances: endowment insurance or endowment medical insurance. The second is that the enterprises affiliated to the insured place need a lot of money to participate in the insurance, which is not allowed by the illegal policy. If you are affiliated, the enterprise will also make false accounts of your salary.

It depends on the specific situation. Endowment insurance belongs to social security, and social security is bound to some rights and interests, such as the qualification to enter a household and buy a house, especially the qualification to buy a house. Nowadays, many first-and second-tier cities have stipulated the social security payment time of half a year, one year or even longer to qualify for buying a house. If you haven't bought a house yet and want to buy a house locally, you can only pay social security in the current background, and it must be linked to the enterprise, so you should link another one.

And if you are not qualified to buy a house, or have trouble buying a house, it is not recommended to call other enterprises to pay employee pension insurance. According to the current social security payment rules, the proportion of individuals paying old-age insurance is 8%, and enterprises help to pay 20%. That is to say, if individuals are affiliated with an enterprise to pay employees' old-age insurance, they need to pay 28% of their wages, and they may have to pay another "agency payment fee" from the enterprise. For freelancers, the burden is quite large and it is not cost-effective. What's more, the current delayed retirement, the man retired at the age of 65 and the woman retired at the age of 60. Of course, if you want to have more security when you get old, you can also invest in an enterprise and pay employee pension insurance.

From Feng's personal analysis, I have been focusing on financial analysis for many years. Welcome to pay attention to this account for more financial knowledge.

The current endowment insurance is flawed. It was not formulated on the platform of "citizen". It is unscientific to divide the social security of enterprise employees, flexible employees, urban residents' social security and farmers' agricultural insurance. Needless to say, it is unfair to increase the management difficulty for yourself. State-owned enterprises need files for retirement. For example, female employees of state-owned enterprises retire at the age of 50 and get pensions, while female employees with flexible employment retire at the age of 55. They are all nationals and pay social security fees. They have the same sex and the same job nature. How to make them retire at different times and receive pensions at different times?

Question: Is it necessary for flexible employees to pay employee pension insurance linked to enterprises?

Not necessarily, it varies from person to person. Generally speaking, it is unnecessary and unnecessary. If the individual has such a situation, it is another story. It depends on whether it is necessary for individuals to pay. Starting point of consideration: 1. Will it affect the smooth retirement in the future and receive a monthly pension? 2. If the mortgage is cut off, will it affect the children's schooling, buying a house and buying a car? ...

Then, what specific circumstances do the affiliated units need?

1. Immigrants are employed, temporarily unemployed, unable to participate in insurance, and do not want to interrupt payment, for fear of affecting retirement, affecting children's schooling, buying houses and cars. For example, in today's first-tier cities, for people with foreign hukou, whether social security is paid continuously and for how long will not only affect whether they can retire in the future, but also be linked to the handling of many major events. If they want to be unaffected, they must continue to pay, so it is necessary to call the company. For example, children go to school, such as buying a house, such as buying a car, such as applying for a green card, such as a residence permit, such as introducing talents, such as applying for a loan. ...

2. Whether it is a local account or a foreign account, the age is old and the social security payment period is not enough. If you don't pay it back, you can't retire, you can't get a pension for urban workers, and you don't want to turn it into endowment insurance for urban and rural residents. I didn't pay enough social security on 15, and now I want to pay it back. It's difficult for individuals, because in most areas, they don't pay it back. You are required to continue to pay, and you can't retire until the payment period. In this case, if you want to retire at the statutory retirement age, you can consider flexibility and find a unit to pay it back. Because of policy reasons, if the unit has normal reasons, it can pay social insurance for employees.

3. Non-local hukou, unemployed, wandering, in poor health, needing frequent medical treatment, or worried about serious illness, local endowment insurance and medical insurance are tied, and individuals cannot participate in insurance. This situation is necessary because once the medical insurance regulations are interrupted, you can't enjoy the medical insurance reimbursement treatment. Especially after middle age, people are getting older, and major diseases may occur, which makes this kind of protection even more necessary.

Friendly suggestion: In any case, if migrant workers cannot be insured in other places, please be sure to participate in medical insurance for urban and rural residents in their own household registration. At present, the payment standard is not uniform in different places, which is about 100 300 yuan per year, and the insured amount is one year. Once unfortunate, suffering from a major illness, there is also a medical insurance.

To sum up, whether you are affiliated with the company depends on what you belong to and your own needs. The above suggestions are for your reference and hope to help you.

I am a flexible employee. Is it necessary to call another enterprise to pay the employee pension insurance?

Flexible employment insurance paid by flexible employees belongs to employee pension insurance, and there is no need to pay enterprise employee pension insurance.

You can't pay two old-age insurances in the same area at the same time. Even if you pay two old-age insurances in different regions, you can only receive one reimbursement.

It is forbidden to participate in the old-age insurance repeatedly, and you can receive the pension after retirement! You can't pay more than one endowment insurance in the same area. Even if you can pay two pension insurances in two regions at the same time, you can only enjoy one pension when you retire!

Flexible employees' attachment to enterprises has advantages and disadvantages.

The disadvantage is that the burden is too great. Generally speaking, in enterprises, flexible employment only pays pension and medical care. Individual places include unemployment and childbirth.

The state has corresponding regulations on the proportion and base of insurance paid by enterprises. The minimum is not less than 60% of the social security base, and flexible employees in Beijing and Sichuan are allowed to pay 40%.

The proportion of employees' pension insurance paid by enterprises in Qingdao is 26%, while the proportion of employees' flexible employment insurance paid by enterprises is close to 20%. Save one or two hundred a month.

Enterprises should pay an extra 300 yuan a month to 400 yuan to insure flexible employees. Most enterprises also charge agency fees.

In fact, it is illegal for enterprises to pay insurance for flexible employees, which is an act of fictional labor relations. The Regulations on the Supervision of Social Insurance Funds in Guangdong Province clearly stipulates.

Why do so many people need to pay for such a big short board?

First of all, of course, many people don't understand the policy and think that except for enterprises, they can not pay insurance.

Second, the payment threshold is low. Beijing, Shenzhen and other places do not allow non-local flexible employees to pay flexible employment insurance. There is absolutely no restriction on the payment of enterprises.

Third, receiving unemployment benefits requires the termination of the unit. Many people who are unemployed for their own reasons can't get unemployment benefits, so they will find an institution to cancel their insurance for one month and get unemployment benefits in the name of unit cancellation.

Fourth, maternity insurance and medical insurance have not been merged in some places, so if you want to enjoy maternity insurance benefits, you must have a unit to call.

Fifth, the issue of supplementary pension insurance. At present, once the flexible employment insurance is interrupted, it is not allowed to make up. However, the employer can still make up the arrears. For example, Qingdao also takes care of employers, paying insurance for half a year in advance and not charging late fees. Therefore, social security agents also have a good market in this respect.

Sixth, the retirement age of women's flexible employment. In many parts of the country, the retirement age of female flexible employees is 55, but the retirement age of enterprise employees is 50. If it is paid by the employer, the identity judgment is that the worker may retire at the age of 50, so many people are willing to pay by the employer.

Generally speaking, if the employer pays this question and is verified by the social security department, it will not be able to enjoy the relevant treatment. If it's simply for providing for the aged, it's best to pay flexible employment insurance by yourself, but you need to save money in time to prevent the deduction from failing.

Is it necessary for flexible employees to pay employee pension insurance linked to enterprises? Is it worthwhile to pay? Flexible employment refers to the form of employment that is not organized by the employer itself, and it is impossible for the affiliated unit to pay the insurance premium, so the employee pension insurance can only be purchased as an individual. After being hired by the employer, it is the unit that gives insurance. Here is a comparison between individual participation in employee pension insurance and unit insurance to see how to pay more cost-effectively.

Unit insurance

If we are a company, both companies and individuals need to pay fees. The payment amount is calculated by multiplying the payment base by the payment ratio, in which the unit payment ratio is 19%, the individual payment ratio is 8%, and the individual payment ratio is 8%, which is included in the personal account.

The payment base is one's own salary, but it is not the workload, and there are restrictions: when it is lower than 60% of the average social salary in the previous year, it will be approved by 60%; It is 300% higher than the average social wage of last year; Between 60% and 300% of the average social wage in the previous year, it shall be approved according to the actual wage.

Personal identity insurance

We buy employee pension insurance as individuals, and the payment base is only five grades, which is 60%- 100% of the average social salary of last year, of which the payment ratio is 20%, and 8% is included in the personal account.

For example, individual and company insurance, we pay 60% of the average social wage (3664 yuan in Chongqing in 2065, 438+2008). Obviously, it is more cost-effective for employees to pay insurance. Because the employee's individual contribution ratio is 8%, it needs to pay 293 yuan/month, the unit needs to pay 696 yuan/month, and the personal identity insurance contribution ratio is 20%, which needs to pay 732 yuan/month. Obviously, the payment amount of personal identity insurance is much more than that of unit insurance.

Because the average social wage, payment ratio and base are different in different provinces, please take the local as the standard. These are the policies I have learned about Chongqing. Therefore, the insured units and individuals must pay less for the insured units.

It must be said loudly: it is very necessary. As long as the government's credit does not collapse and retirement is not delayed until the age of 70 or 80, then pay employee pension insurance! However, some areas can already directly participate in the insurance, and there is no need to link with enterprises. Pay in full according to the grade determined by the average wage of employees in the whole province in the previous year. To put it bluntly, you only need to pay what the enterprise should bear, and you don't need to call the company.

My daughter-in-law didn't apply until the end of October/July, so she can go directly to the county-level human resources and social security bureau where she is registered. Submit materials according to official requirements. Here are two photos, a copy of the original ID card and a copy of the original household registration book. Then fill in the registration form, pay the tax payment certificate at the local taxation bureau, and then issue a red employee pension insurance book, paying the fee every year. By the way, it seems that this should be handled, and personal files should be transferred to the local talent market for safekeeping.

I forgot to mention that the pressure of pension payment is relatively high here, the employment pressure is high, and the urban population is growing rapidly. I wonder if this can be done elsewhere.

As for why it can be done, because employee pension insurance is the mainstream, there are many factors for the state to adjust the pension reference every year, which is much more affordable than those commercial dividend life insurance. The former is the pursuit of balance of payments, but it is not, and it is supplemented by financial or state-owned enterprise profits. One is to pursue a certain profit.

It's not necessary for men For women, if they want to retire at the age of 50, this is an option.

Is it necessary for flexible employees to pay employee pension insurance linked to enterprises?

Men don't have to rely on social security. Hello, I'm a social security expert. For men, it is not necessary.

Because the retirement age is 60 years old, whether it is in enterprises or individuals.

Moreover, if the enterprise is affiliated with the payment, the actual payment burden will be heavier and the actual monthly cost will be higher.

Because you pay in the enterprise, your contribution ratio is 24%, which means that the company pays 16% and the individual pays 8%, all of which are borne by yourself. And if you are a flexible employee, the payment ratio is only 20%, and the payment burden is lighter.

Of course, if enterprises pay fees, they will participate in five kinds of social security. If individuals pay, they can only participate in endowment insurance and medical insurance. In some places, it is linked to the payment of unemployment insurance.

Women who want to retire at the age of 50 can be called. For women, one of the biggest benefits of paying social security by affiliated enterprises is that they can retire at the age of 50.

However, women who are flexible employees generally retire at the age of 55 if they participate in insurance.

In other words, affiliated enterprises can retire five years in advance if they pay social security. If you want to retire early, it is ok for affiliated enterprises to pay social security.

Although early retirement can get an extra five years of pension, it can increase the pension for five years. But there is also a disadvantage, that is, the pension base will be relatively low, not as high as when you retire at 55.

So in a word, affiliated enterprises pay social security, and the burden of payment is heavier. For men, there is generally no need for additional social security. For women, if individuals want to retire at the age of 50, it is necessary to call it.

First of all, affiliated units pay fees and bear more expenses.

Our social security payment targets include not only enterprise employees, but also flexible employees. Considering the identity of flexible employees, flexible employees only need to pay "two insurances" pension insurance and medical insurance. However, if employees pay fees, they need to pay "five insurances", namely "endowment insurance, medical insurance, unemployment insurance, work injury insurance and maternity insurance". If the affiliated unit pays the fee, it needs to bear more expenses.

Secondly, the payment of flexible employment status does not affect the treatment after retirement.

Our retirement pension benefits are related to the payment period and the payment amount, and have nothing to do with the payment status. Flexible employees can choose the payment standard according to their own economic ability when paying fees. If the payment standard is high, the treatment after retirement is also relatively high. On the other hand, if employees of enterprises have been paying according to relatively low payment standards, the treatment after retirement will be lower.

Finally, it is illegal for affiliated units to pay fees.

The premise of enterprise employees' payment is that workers and employers have established labor relations before they have the obligation to pay. If the labor relationship is not established, but the affiliated unit pays the fee, it is a fictional labor relationship and deceives the social security department. If you enjoy any treatment in the future, you may also be suspected of fraud. Therefore, it is illegal.