Can social security not be affiliated with the company?

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.

Therefore, under comprehensive comparison, it is more cost-effective for individuals to pay social security. However, if you need other rights brought by social security, such as the right to buy a house or settle down, there seems to be no better way to go.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.