Does employee social security suffer from changing to flexible employment social security?

Whether employees' social security benefits from flexible employment depends on many factors.

The amount of pension after retirement mainly depends on three factors: the number of years of social security paid by the insured, the base and the social wage. Excluding the social wage, because the two types of insured persons are calculated according to the same social wage after retirement in the same year. Then only the payment period and payment base are left. If the employee social security paid by the unit for employees is paid at 1%, after leaving the company, the individual will also pay at the same level, and the pension of the insured person of the same age will not be too big after retirement. difference. It's just that individuals pay a lot of money.

if the company pays 1% grade for employees, the economic conditions will decline and the social security payment will be blocked after the individual leaves his job, and he will eventually choose to pay 6% grade. After retirement, it will definitely be a lot different from paying employees' social security pension with peers.

1. nowadays, flexible employment has become a new and ubiquitous employment mode, but this form has bred new problems to some extent. For example, social security is a topic that our flexible employees are more concerned about. Let's talk about what will happen if employee social security is changed to flexible employment social security.

2. Does it hurt for employees to change to flexible employment social security?

3. [1] There are fewer types of flexible employment insurance: employee social security is to pay five insurances, including basic old-age insurance, basic medical insurance, unemployment insurance, work injury insurance and maternity insurance.

4. Social security for flexible employment usually only pays two insurances: basic old-age insurance and basic medical insurance, but unemployment insurance can also be paid in some areas. Therefore, flexible employment cannot receive unemployment benefits, maternity allowance and so on.

5. [2] More flexible employment payment: employees' five social insurances are paid by the company and employees, and the proportion of individual contributions is relatively small. Moreover, unemployment insurance and maternity insurance are paid by the employer and do not need our personal deduction.

6. It is voluntary for flexible employment social security to participate in endowment insurance or medical insurance, and all expenses shall be borne by individuals, of which 8% of the endowment insurance paid shall be credited to individual accounts, and medical insurance shall be credited to individual medical insurance accounts according to age and proportion. Therefore, the social security cost paid by flexible employment is relatively high.

7. [3] Pension insurance and medical insurance are basically the same: the conditions for receiving pension and medical insurance are the same. If the payment grades are the same in the same area, then the treatment is basically the same.

8. The pension insurance needs to be paid for 15 years, and it can only be processed when it reaches the legal retirement age. And it is divided into basic pension, personal account pension. The more we pay and the longer we pay, the more our pension will be.

9. The cumulative payment period of medical insurance in different regions is different, but it is usually required that men pay for 25 years and women pay for 2 years before they can enjoy basic medical insurance after retirement.

1. [4] The retirement age is slightly different: female cadres (who have worked in management or professional technical posts for more than 1 years) are over 55 years old, female employees (or workers) are over 5 years old, and women with flexible employment are over 55 years old.

11. In a word, employee social security is different from the insurance paid by flexible employment social security, and it needs to bear all the expenses by itself.

legal basis:

article 15 of the full text of the social insurance law of the people's Republic of China

basic pension consists of overall pension and individual account pension.

The basic pension is determined according to the accumulated years of individual contributions, contributions wages, average wages of local employees, personal account amount, average life expectancy of urban population and other factors.