What is the difference between flexible employment and social security?

The difference between paying social security for flexible employment and paying social security by the unit is as follows:

1. Different types of insurance: the social insurance paid by the company includes five types of insurance: endowment insurance, medical insurance, work injury insurance, maternity insurance and unemployment insurance, while the social insurance paid by flexible employment only pays two types of insurance: endowment insurance and medical insurance.

2. Different payment bases: the social security payment base paid by the company is determined according to the average monthly salary of the insured employees (which cannot exceed the upper and lower limits stipulated by the local authorities), while the payment base of flexible employees can be chosen by themselves, generally within the range of 60%-300% of the local average social salary in the previous year.

3. Different payment ratios: the contribution ratio of the endowment insurance paid by the unit to social security is 16%, the medical insurance is about 8%, and the individual is about 2%; The proportion of pension insurance contributions paid by flexible employees is about 20%, and the proportion of medical insurance contributions is about 4% or 8%. If the medical insurance contribution ratio is 4%, there is usually no personal account for medical insurance. If the proportion of medical insurance is 8%, there will generally be a personal account for medical insurance.

4. Different retirement ages: the retirement age of female employees who pay social security is 50, that of female cadres is 55, and that of male employees is 60; The retirement age of female flexible employees who pay social security is 55, and that of male flexible employees is 60.

5. Maternity insurance: units can enjoy maternity insurance benefits, including maternity allowance and maternity medical treatment, while flexible employees cannot enjoy maternity insurance benefits when paying social security.

Conditions for payment of social security for flexible employees:

1. Flexible employees need to sign legal and effective labor contracts, service contracts or labor contracts with employers or customers, and pay social security fees on the basis of this contract;

2. Flexible employees need to apply for social security registration in the social security department at the place of payment, get a social security card and pay social security fees;

3. Flexible employees need to pay social insurance premiums in accordance with the prescribed time and standards, including pension insurance, medical insurance, work injury insurance, unemployment insurance and maternity insurance;

4. Flexible employees need to declare social security benefits such as pension and medical insurance benefits in accordance with the prescribed procedures and requirements;

5. Flexible employees shall abide by the provisions of social security laws and regulations, and shall not engage in false reimbursement, insurance fraud and other illegal acts.

To sum up, there is a certain difference between flexible employees participating in social security and companies paying social security for employees. Flexible employees need to pay their own social security fees, and the social security benefits and payment ratio may be different due to factors such as the actual amount paid by individuals. Therefore, flexible employees need to know the relevant policies and regulations when participating in social security, so as to better plan personal social security and old-age security.

Legal basis:

Article 4 of People's Republic of China (PRC) Social Insurance Law

Employers and individuals in People's Republic of China (PRC) pay social insurance premiums according to law, and have the right to inquire about payment records and personal rights records, and require social insurance agencies to provide social insurance consultation and other related services.

Article 58

The employing unit shall, within 30 days from the date of employment, apply to the social insurance agency for social insurance registration for its employees. If the social insurance has not been registered, the social insurance agency shall verify the social insurance premium it should pay.

Employees-free individual industrial and commercial households who voluntarily participate in social insurance, part-time employees who do not participate in social insurance in the employing unit and other flexible employees shall apply to the social insurance agency for social insurance registration.

The state establishes a national unified personal social security number. Personal social security number is a citizen's identity number.

Individuals enjoy social insurance benefits according to law and have the right to supervise the payment of their own units.