I just calculated it according to the money paid by Chengdu Town. Individuals will be deducted about 230 yuan, and the unit will pay employees more than 500 yuan. According to the individual's 230,37000/230 = 160 months/12 = 13 years. If the company does not pay your mother more than 500 yuan, it will be 37,000/700 = May, and May/12=4 years. Is to pay it back for four years.
How cost-effective? You need to ask yourself how much you will get in the end.
Hehe, that's all I know. I hope you'd better ask the company and the social security bureau yourself!