Kunpeng Project
If the unit leaves in 2024, is it cost-effective to pay social security by yourself? Analyze how to choose
He's about to retire, and he'll leave when he's gone, and then at the end of the Chinese New Year. He is not working in his original job now, and he has also proposed to resign, so in the future, can he pay for social security by himself, or is it better to pay it by himself? In this regard, from this point of view, there is no question of whether it is cost-effective or not, after you leave your job, there is no re-employment, there is no re-employment, and there is no main body of the workplace. In fact, your social security can only be decided by you, so there's nothing worth it or not.
Because you don't have any other choice. We compare the social insurance of enterprises and enterprises, of course, it is more cost-effective for enterprises to pay social insurance, enterprises to pay social insurance, enterprises to bear the main payment ratio and payment amount of enterprises, enterprises to bear 2 3 contributions, we personally have to bear 1 3, in addition, the 1 3 will also be deducted from the salary, will not pay for themselves, and will not have any financial burden, which is the characteristics of the current employees.
As soon as we leave the job, even if you say that you are free, you will become very nervous about the social insurance you have to pay, and you can only participate in social insurance in the form of flexible employment, and the contribution rate is no longer 8% of the personal burden. As for the amount paid, it has been increased to 20%. However, if it is 20%, then from 2020 onwards, the minimum standard in many areas will exceed 10,000 yuan, and you can imagine how big the fee will be.
This pension of more than 10,000 yuan, you have to pay your own for a year, this is still a lower limit, if you are not willing to lower your average contribution index, for example, when you are working, it is 100% of the contribution index to pay. In that case, you will have to pay almost 20,000 yuan a year. As you can imagine, the cost of doing so is much higher than when you work, and although it may not seem to have any impact on your pension insurance in the future, it will actually put a lot of burden on you, and it is obviously not worth the cost compared to working in a business.
The only way to do this is to get back into the workforce. Because once you are re-employed, the company will buy social security for you, and will pay for your pension, five social insurances and one housing fund, and you will also buy a housing provident fund, which is not available for today's freelancers. In this way, the benefits for yourself are even more. If you participate in medical insurance in the form of flexible employment, if the salary level of the individual is relatively high, and you don't mind the payment of more than 10,000 yuan a year or nearly 20,000 yuan, then there will be no problem, and for flexible employees, there is no other way except to pay social security.
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