The differences are as follows:
1, the affiliated unit pays social security, which costs a lot of money.
Affiliated units must pay all five insurances, including endowment insurance, medical insurance, maternity insurance, industrial injury insurance and unemployment insurance; Flexible employees who are insured can only participate in endowment insurance and medical insurance.
The affiliated units are insured, and the unit contribution ratio is 16% (which varies from place to place), and the individual contribution ratio is 8%, with a * * * 24%; Flexible employment insurance payment, the payment ratio is 20%. Only the affiliated units will pay 4% more for the old-age insurance than the flexible employees.
Affiliated units should pay more maternity work-related injury and unemployment insurance themselves, generally through intermediaries, and pay a certain intermediary service fee. Generally speaking, the cost paid by affiliated units is higher.
2. It is risky to pay social security through unit affiliation.
Paying social security through unit affiliation is an act of fictional labor relations, so there are certain legal risks.
Previously, Ministry of Human Resources and Social Security also made a clear statement on social security payment. It is illegal for both parties to pay social security fees through affiliated institutions instead of establishing a labor contract relationship.
It's just that the investigation is not strict now, and if it is found out, it may be retired.
3. The pension benefits are the same, but the retirement age of women is different.
For female employees, the retirement age of flexible employees is 55 years old, and for female employees, the retirement age is 50 years old. There will be differences in policies in this regard.
4. Flexible employment countries now have 4050 policy subsidies.
For women over 40 years old and men over 50 years old, the state will subsidize flexible employees, reducing 12%, and individuals only need to pay 8%. This flexible employment saves about 70% compared with the affiliated expenses, but it is not clear how long this policy will last.
Suggestion:
1. If women consider that they are going to have children soon, they can call for additional maternity insurance;
2, affiliated units, the proportion of payment is high, and it will cost more to buy insurance other than pension and medical insurance; If you are in a good financial situation now, you can pay more when paying flexible employment social security.
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