'4050' insured and affiliated enterprise retirement, which one is better? It's more cost-effective
There is no difference in the calculation of the pension in the two cases of retirement.
Under normal circumstances, if the payment base is the same, the 4050 insured people will save money and be more cost-effective because they enjoy government subsidies!
However, some provinces and cities stipulate that female employees with flexible employment will retire at 55, while affiliated enterprises will retire at 50 years old. In this case, it is definitely more cost-effective to affiliated enterprises!
The following is an in-depth analysis of Jingshuo Social Security for you:
"4050" insured and affiliated enterprise retirement, which one is better? It's more cost-effective
001, 4050 Social Security Subsidy
The 4050 social security subsidy is a kind of social security subsidy given by the state to promote the active employment of women over 40 and men over 50 who have difficulty finding employment.
- Amount of subsidy
The subsidy amount is basically 1/2~2/3 of the local minimum payment base, and the Qingdao side is a fixed subsidy of 500 yuan per month.
- Subsidy period
The 4050 social security subsidy is usually subsidized for three years. For those applying for less than 5 years before retirement, the subsidy can be subsidized for a maximum of 5 years.
For laid-off and unemployed individuals to pay flexible employment social insurance, the burden of social insurance premiums is relatively heavy. Taking the minimum payment base in Qingdao in 2019 as an example, individuals must pay a minimum of 980 yuan for pension and medical insurance, which is indeed relatively heavy. burden.
In this case, the state subsidizes 500 yuan, and individuals only need to bear 480 yuan, which greatly reduces the social security payment burden of laid-off workers.
"4050" insured and affiliated enterprise retirement, which one is better? It's more cost-effective
002 Payment by affiliated enterprises
- The payment ratio is high and the amount is large
For the payment of affiliated enterprises, the contribution rate of pension insurance is 24%, that of medical insurance is 11.5%, and that of work-related injury insurance and unemployment insurance is about 1.35%, totaling 36.85%.
Taking the minimum payment base in Qingdao in 2019 as an example, a minimum payment of 1,205 yuan is required.
The individual pays 20% for flexible employment social pension insurance, and 10% for medical insurance, totaling 30%. Taking the minimum payment base in Qingdao in 2019 as an example, a minimum payment of 980.70 yuan is required.
- Payment by affiliated enterprises is suitable for those who have social security payment needs
The affiliated company pays the four social insurance insurances, with a full range of insurance types and a lot of protection. It is very suitable for people who need to buy a house, settle down, and give birth.
For ordinary flexible employees, under the same payment base, although the affiliated enterprises pay more social insurance premiums, they will not receive more pensions.
- Different retirement ages
In some parts of the country, female employees with flexible employment can retire at the age of 55, while those paid by affiliated enterprises can retire at the age of 50.
If this is the case, it is recommended to be affiliated with the company. Although the cost is slightly higher, it is very cost-effective to be able to retire five years earlier.
On the Qingdao side, female workers with flexible employment and social security also retire at the age of 50.
Therefore, on the Qingdao side, it is definitely more cost-effective to pay flexible employment social security and receive a 4050 subsidy.
"4050" insured and affiliated enterprise retirement, which one is better? It's more cost-effective
003 Written at the end
For flexible employees who are personally responsible for social security premiums, the social security premiums paid by the affiliated enterprises are higher, but they will not receive more pensions.
It is better for individuals to pay flexible employment social security. After applying for the 4050 subsidy, the burden of payment is reduced. In the case of the same payment base, the pension calculation is the same.
For certain regions, if the retirement age of female employees in flexible employment is different from that of the enterprise, they can rely on the enterprise to pay social security and retire at the age of 50, which is more cost-effective!
