What's the difference between Flexible Employment Social Security and Active Employee Social Security? Is the final pension the same?

In fact, the core of this question should be that both active employees and flexibly employed people are contributing for 15 years, is the pension the same after retirement? Judging from my experience, the pension is definitely not the same. There are several reasons for this.

First, the contribution base is different. In-service workers use their actual salary as the contribution base. If you are working in a company, you are an employed employee and receive a monthly salary. When paying for pension insurance, the unit is based on the employee's gross salary as the contribution base, and the individual employee is based on the pre-tax salary he or she receives each month as the contribution base. Especially in 2011, since the implementation of the social security law, the actual wages of individuals as the contribution base, has become the focus of social security law enforcement inspections.At the end of 2018, the General Office of the State Council issued a decision on the change of social security to the collection of the tax department, although at present in addition to the party and government agencies, institutions by the tax department, the implementation of the enterprise and individual contributions is suspended, but in the long run, this is the general direction of the reform.

Second, the contribution ratio is different. The unit contribution is in accordance with the employer and the individual in proportion to the way. Pension insurance contribution ratio is 24%. Among them, the employer contributes 16% (implemented on May 1), which is credited to the integrated account, and the individual contributes 8%, which is credited to the individual account. As an employed worker, the amount of contribution borne by the individual is actually relatively small as the unit contribution takes the lion's share.

Third, the contribution index is different. The so-called contribution index is based on the contribution base to determine the specific contribution level or contribution standard. Even if the same contribution class, but due to the contribution base is not the same, the specific contribution amount is still there is a big difference. The contribution index in most parts of the country has three levels, i.e. 300, 100 and 60%. The contribution index is determined according to the actual monthly salary of the unit of employees on the job; individuals without units are determined according to the social wage to determine the contribution index.

Fourth, the nature of the system design is different. Work in the unit belongs to the on-the-job workers. Urban workers pension insurance, in fact, the design of the insured groups, mainly for urban workers in the workforce, so for the unit in the workforce, has certain advantages of the system, such as the way of payment, the unit accounts for a large part of the individual to bear a very small proportion; on the contrary, there is no unit of personnel, can only be in accordance with the flexible employment to pay, flexible employment due to the lack of a unit to bear the co-ordinated part of the fund, so only The retirement policy also has advantages for employed workers, for example, employed female workers can retire at the age of 50, while those who are not employed belong to the flexible employment personnel and have to be 55 years old before they can retire.

All in all, according to the above analysis, as a unit of on-the-job workers (unit contribution) and flexible employment personnel (not work personal contribution), the same is to pay 15 years of pension insurance, retirement pension treatment is certainly not the same at all. The social security insurance for flexibly employed people, and the social security insurance for active employees of enterprises, actually belong to the employee's pension insurance, so this employee's pension insurance is the same kind of pension insurance, essentially speaking, there is no difference. The first thing you need to do is to get your hands on a new pair of shoes or boots, and then you'll be able to get your hands on a new pair of shoes or boots, and then you'll be able to get your hands on a new pair of shoes or boots.

Some people may not be able to find a new workplace for a long time after they leave their workplace, so this time they have to continue to enroll in their own pension insurance according to the form of flexible employment, because only according to the form of flexible employment, can ensure that they continue to statistically calculate their own pension insurance contribution period. The fact that you have a long statute of limitations before you retire will give you a higher pension.

There is a difference in the contribution rate and the amount of contribution. We all know that the enterprise in the workforce his pension insurance is by the enterprise units and individuals to **** with the commitment, basically the enterprise units to bear 2/3 of the contribution ratio, then only need to bear 1/3 of the contribution ratio of the individual, so that the enterprise workers, their own commitment to the pension insurance contribution is relatively low.

But as a flexibly employed individual, he does not have a business unit, so he needs to bear the full amount of his own contribution ratio and contribution amount. Compared with the enterprise in the staff to speak, he paid the amount will be more, but enjoy, treatment is the same, there is no difference, and into the personal social security account in the proportion, and the amount is the same, are in accordance with the 8 percent to transfer.

Then in the process of calculating the pension, is dependent on their own a participating in the number of years and the average contribution index to decide, so that, with flexible employment and the enterprise in the workforce is not any difference, so that either the enterprise in the workforce or flexible employment personnel, the calculation of pensions are completely the same way and method.