Flexible employees pay social security, why do the payment accounts deduct more money? That's why!

In recent years, affected by the COVID-19 epidemic, many enterprises have laid off employees, and some even declared bankruptcy. As a result, many people lost their jobs, so after they lost their jobs, their social security payment became a key issue. As a result, some people choose to stop insurance, and some people choose to pay social security as flexible employees. If you are insured as a flexible employee, the cost will be much higher. But there is nothing we can do about it. If you can't find a job for a while and can't stop insurance, then the loss will be even greater.

Recently, we received a private letter from a fan friend, Aunt Zhang. She said that she participated in social security as a flexible employee, but she didn't know why, and she deducted more money this month, so she asked us what the reason was. I believe that many friends will encounter such problems in the near future. Then why on earth is this?

As we all know, when paying social security, flexible employees are divided into different grades. The minimum wage cannot be lower than 60% and the maximum wage cannot be higher than 300%. You can choose the grade that suits you. What everyone should pay attention to here is that the level of social security contributions will be adjusted with the adjustment of social wages.

This year, many places raised local social wage standards. Then social wages rose, and the base of social security contributions in various places also ushered in an increase. The social security payment base is generally divided into upper and lower limits. Let's take Chongqing for example. In 2022, the upper limit of social security payment base in Chongqing was adjusted to 19784 yuan, which was 1 289 yuan higher than that in 2026, while the lower limit of social security payment base in Chongqing was adjusted to 3957 yuan in 2022, which was 3957 yuan higher than that in 2026. Then the base of social security contributions has increased, and when everyone pays social security, the amount of contributions will of course increase. Take the endowment insurance as an example. As a flexible employee who pays social security, we all know that the contribution ratio of endowment insurance is 20%, so let's take the lower limit of social security contribution base in Chongqing as an example. Individual contributions will reach 3957×20%=79 1.4 yuan every month. Compared with 202 1, it increased by 5 1.6 yuan. Then the amount of personal contributions has risen, and when it is deducted, it will naturally deduct an extra sum of money.

And not only that, here we also remind those flexible employees who pay according to the lower limit of the social security payment base to save more money in your deduction account in the near future, because such people still face the problem of paying back. For example.

If Mr. Wang of Chongqing participates in social security as a flexible employee, he will pay according to the lower limit of social security payment base. 202 1 Chongqing social security contribution base has a lower limit of 3699 yuan. From June to July, 2022, he paid social security according to the social security payment base of 3,699 yuan. Old-age insurance pays 739.8 yuan every month. In August this year, the lower limit of Chongqing social security payment base was adjusted to 3957 yuan. After adjustment, Mr. Wang has to pay 79 1.4 yuan and 5 1.6 yuan every month. Before the lower limit of social security contribution base was announced in 2022, Mr. Wang paid according to the standard of 202 1. Therefore, after the lower limit of social security payment base is announced in 2022, the social security fee that Mr. Wang needs to pay is 1-7 months, that is, 5 1.6× 7 = 3665438. Believe us, everyone should understand what is going on. However, I want to remind you that we only calculate the cost of endowment insurance here. Of course, social security includes more than old-age insurance, so we should save more money.