With the continuous improvement of the social security system, more and more people have begun to pay attention to their social security rights. In China, there are two main forms of social security: employee social security and flexible employment social insurance. So, are the pensions that these two social security enjoy at the same time when they retire?This article will explain this issue in detail.
1. Similarities and differences between flexible employment social security and employee social security.
First of all, we need to understand the similarities and differences between flexible employment social security and employee social security. Both of them belong to the types of insurance for urban workers, and the degree of protection is relatively high. Employee social security is usually paid by both the employer and the individual, while the cost of flexible employment social insurance is entirely borne by the individual. This means that flexible workers are required to bear the full cost of social security contributions, while employees can share the costs with their employers.
2. How pensions are calculated.
For retirement pensions, whether they are flexible employment social security or employee social security, the calculation method is the same. The pension is mainly composed of two parts: the basic pension and the personal account pension. The basic pension is calculated based on factors such as the number of years of contributions, the contribution base and the average social wage at retirementThe personal account pension is calculated according to the cumulative savings of the personal account and the number of months. The number of months is determined based on the retirement age and the average life expectancy of the population at that time.
3. Is there a difference in pensions?
So, is there a difference between the pension of a flexibly employed person and a retired worker?In fact, there is no difference in the pension of flexible employment and employee social security if the base of the social security contribution is the same, the number of years is the same, and the place of retirement is the same. Because the calculation method and parameters are the same for both, the resulting pension is naturally the same.
Fourth, how to increase the pension?
Here are a few tips for people who want to boost their pension:
Increase the contribution base: The higher the contribution base, the basic pension and personal account pension at retirement will be increased accordingly.
Extension of the contribution period: The longer the contribution period, the corresponding increase in the basic pension at retirement.
Choose the right place to retire: The average social salary and the number of months of accrual may vary in different regions, and choosing a suitable place of retirement can also increase the pension to a certain extent.
Pay attention to policy changes: Social security policies may be adjusted over time and the economic environment, and it is also important to pay attention to policy changes and adjust your contribution strategy in a timely manner.
V. Conclusions. In general, there is no difference between the pension enjoyed by flexible employment social security and employee social security at the time of retirement, as long as the payment base, number of years and retirement place are the same. Therefore, whether you are a flexible employee or an employee who participates in social security, you can rest assured that you can make a reasonable plan for your future. Of course, in order to obtain a higher pension, you can also consider increasing the payment base, extending the payment period or choosing a suitable retirement place to improve your pension security level.