問(wen) 社保(bao)無疑是職場人最后的(de)生活保(bao)障，今年以來，國(guo)家在社保(bao)方面的(de)新政策不斷出爐，如何為公司和員(yuan)工(gong)在社保(bao)問(wen)題上(shang)爭(zheng)取更大(da)的(de)利益呢(ni)？

答 作為(wei)人力(li)資(zi)源，在社(she)(she)保(bao)(bao)(bao)方法如(ru)何能有效的(de)保(bao)(bao)(bao)證在國(guo)家的(de)法律條件下，花(hua)(hua)同樣多(duo)的(de)錢(qian)(qian)，讓(rang)員(yuan)(yuan)(yuan)工(gong)(gong)(gong)的(de)經(jing)(jing)濟收益(yi)最大(da)化。一(yi)般都(dou)(dou)會將問題的(de)利與(yu)弊與(yu)員(yuan)(yuan)(yuan)工(gong)(gong)(gong)分析清楚(chu)，在社(she)(she)保(bao)(bao)(bao)方面通常是(shi)按當地的(de)最低標準(zhun)(zhun)購買(mai)(mai)，同時(shi)會給(gei)員(yuan)(yuan)(yuan)工(gong)(gong)(gong)購買(mai)(mai)一(yi)定(ding)的(de)商(shang)業(ye)保(bao)(bao)(bao)險(xian)。花(hua)(hua)同樣多(duo)的(de)錢(qian)(qian)，給(gei)員(yuan)(yuan)(yuan)工(gong)(gong)(gong)以最大(da)的(de)保(bao)(bao)(bao)障及(ji)經(jing)(jing)濟收益(yi)，而(er)很少會依標準(zhun)(zhun)足(zu)額去繳納(na)，多(duo)時(shi)員(yuan)(yuan)(yuan)工(gong)(gong)(gong)也(ye)都(dou)(dou)會接受(shou)。特(te)別是(shi)對于(yu)跨區域經(jing)(jing)營的(de)公(gong)(gong)(gong)司，在異地公(gong)(gong)(gong)司沒有經(jing)(jing)濟主體時(shi)，無(wu)法購買(mai)(mai)社(she)(she)保(bao)(bao)(bao)，而(er)只能在公(gong)(gong)(gong)司所在地購買(mai)(mai)，這樣員(yuan)(yuan)(yuan)工(gong)(gong)(gong)的(de)很多(duo)福利都(dou)(dou)無(wu)法享受(shou)，連醫保(bao)(bao)(bao)都(dou)(dou)保(bao)(bao)(bao)不了，讓(rang)員(yuan)(yuan)(yuan)工(gong)(gong)(gong)花(hua)(hua)錢(qian)(qian)買(mai)(mai)麻煩(fan)。如(ru)果給(gei)員(yuan)(yuan)(yuan)工(gong)(gong)(gong)買(mai)(mai)了一(yi)定(ding)的(de)商(shang)業(ye)保(bao)(bao)(bao)險(xian)，對于(yu)異地辦公(gong)(gong)(gong)的(de)員(yuan)(yuan)(yuan)工(gong)(gong)(gong)來(lai)說，他們更愿意用(yong)商(shang)業(ye)保(bao)(bao)(bao)險(xian)來(lai)報銷費用(yong)，一(yi)是(shi)比(bi)例比(bi)社(she)(she)保(bao)(bao)(bao)的(de)高，二是(shi)方便快捷省去很多(duo)不必要的(de)麻煩(fan)。