For flexible employees, 20% of the base pay the endowment insurance premium, 12% is included in the overall fund (all borne by individuals), and 8% is included in the individual account of endowment insurance.

If employees pay five insurances and one gold, the unit contribution ratio is 16%, which is all included in the overall fund, and the individual contribution ratio of 8% is all included in the individual endowment insurance account. In other words, with the same payment base, the money paid by flexible employment is 2.5 times that of employees.

2. Non-refundable social pooling fund

If flexible employees choose to surrender, that is, they die halfway or reach retirement age, then if they surrender, the overall fund 12% paid by the individual will not be returned to the individual, but only the amount stored in the individual account, so you will lose a lot.

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3. Different types of social insurance

If you pay social security through the unit, it is generally five insurances and one gold, employee pension insurance, employee medical insurance, unemployment insurance, work injury insurance, maternity insurance and housing provident fund. If everyone is flexible employment pension insurance, only employee pension insurance and employee medical insurance will enjoy less social security benefits.

4. Women have to pay five more years.

The 60-year-old is the legal retirement age, so it doesn't matter whether you seek medical treatment flexibly or participate in employee insurance. However, if women are employed flexibly, the retirement age is 55. If they work in an enterprise, they may be able to retire at 50, which is not cost-effective for some women.

Although flexible employment pension insurance has many shortcomings, it can only be said that it is not suitable for you. Many freelancers have applied for flexible employment pension insurance and gained a lot of protection. As long as you keep paying in the middle, you can retire after paying 15 years, and pay as much as possible to protect your old age.