The first thing you need to know is that you can't afford to pay for your own social security, but there are 4 disadvantages.

"Self-funded social" is the flexible employment personnel social security, although "flexible" but there are insurance incomplete, high contribution amount, purchase restrictions and other shortcomings; if you have the conditions of the people, it is recommended to buy employee insurance, enjoy the social benefits of the state. The company's social security system is a good way to ensure that you have the right to get the best out of your life.

Social promotion, indeed, let workers realize the importance of "insurance", but life will inevitably encounter stingy enterprises do not buy social, there will be social security awareness of the incomplete people, think "flexible employment social security" The price is low and more "earn"! In fact, at this stage, the best social security or belong to the employee social security.

I, flexible employment social security price is cheap, but there is the disadvantage of incomplete insurance

Society circulates a saying that "the cost of employee social security is too high, flexible employment social security is cheaper and more reasonable"! In fact, this statement is not correct; although the total amount of employee social security is indeed much higher than the flexible employment of social security, but the biggest disadvantage is: the insurance coverage is not complete.

Flexible employment social security, which consists of only medical insurance and pension insurance, while the employee social security, which includes the above two types of insurance, but also includes the workers' compensation insurance, maternity insurance and unemployment insurance; after all, the workers' compensation insurance and maternity insurance is the enterprise contribution, the different types of insurance leads to flexible employment social security and employee social security amount of different.

Second, the amount of money that individuals need to pay for insurance is high, compared to the employee social security is even worse

The total amount of employee social security is very high, but the cost that individuals need to pay for insurance is in fact about 37% of the cost, but the flexible employment of people social security is different, the insured person is the complete amount of money that they need to pay for themselves.

Take the 2000 yuan amount of insurance to calculate, the employee social security probably need to pay about 1060 amount of money, of which the individual needs to pay about 370 more than the cost; and flexible employees social security, 2000 yuan amount of insurance is converted into more than 860 flexible employees social security, and this amount needs to be borne by the individual, the cost is naturally higher.

Three, not everyone can buy flexible employment social security, there are conditions

Between the employee social security and flexible employment social security, some workers are not clear about the "conditions" of this issue!

It turns out that not everyone can participate in the Flexible Employee Social Security Program, especially the rural self-employed or farmers, who are unable to participate in the Flexible Employee Social Security Program because of the conditions; they need to go to their place of residence additionally to apply for approval before they can purchase.

Unlike employee social security, as long as the labor contract is signed with the unit and there are no special social security restrictions, you can directly purchase employee social security.

Four, participate in the flexible employment of social security, the amount of money into the integrated account is less than the employee social security

In addition to the participation of the situation outside the different, flexible employment of social security is the biggest determination, is to enter the integrated account of the money is relatively small!

Flexible employment social security, generally in accordance with the local minimum grade to purchase, so in time with the purchase of employee social security salary is the same, the total amount of social security will indeed be a little lower; due to the limitations of this "grade", it will be able to enter the integrated account of the amount of money to be less.

At retirement age, under the same regional insurance policy, age, and years of participation, the pension received by the flexibly employed will be less than that received by the employees who are insured.

The disadvantages of flexible employment are there, and workers who can afford it are still advised to buy employee social security as well.