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Can I pay social security without a fixed unit? Is it cost-effective to pay social security by yours

Now the social security system is constantly improving, so many people who do not have a fixed job also want to protect themselves by paying social security. If there is no fixed unit to pay social security, do you know how to pay social security? What is the specific process of personal social security? Let's take a look at it with the small editors of sihai.com!

Process of paying social security by yourself

Individual pay social security, can pay pension and medical insurance these two parts only. The specific process is as follows:

1. How to pay social security can be done as a freelancer (pension + medical treatment);

2. Insurance conditions: urban household registration or non-agricultural household registration;

3. Place of handling: social security service point of local community street, or social security bureau (Labor Security Bureau) at district and county level;

4. Basic information needed in how to pay for social security: household register, ID card and photocopy, 2 1-inch photos;

5. Payment standard: Based on the local social average wage in the previous year, the proportion of pension payment is 20% and that of medical treatment is about 9%. At present, there are still 80% and 100% options.

Two forms of individual payment of social security

1. To be handed in by the unit.

The unit and the individual will pay the contributions in proportion. The individual part will pay the endowment insurance at 8% of the average monthly wage of the previous year, the medical insurance at 2% and the unemployment insurance at 0.5-1%;

2. Individuals pay social insurance with flexible employees.

According to the stipulated payment base and proportion, different regions have different regulations. The general endowment insurance is paid in the proportion of 18-28%, and the medical insurance is generally paid in the proportion of 6-10% of the local social average wage level of the previous year.

How to pay social security for people from other places?

If the non local household registration personnel want to handle the social security in the local area, they need to apply for the "social security transfer" procedure. The specific process is as follows:

1. After the insured person establishes the basic endowment insurance relationship and pays the fees in the new employment place according to the regulations, the employer or the insured person shall submit a written application for the transfer and continuation of the basic endowment insurance relationship to the social security agency of the new insurance place;

2. Within 15 working days, the social security agency of the new insured place shall review the transfer and continuation application, send a letter of acceptance to the social security agency of the place where the original basic endowment insurance relationship of the insured person is located, and provide relevant information, and make a written explanation to the applicant or the insured person if the transfer and continuation conditions are not met;

3. The social security agency in the place where the original basic endowment insurance relationship is located shall, within 15 working days after receiving the letter of acceptance, handle all procedures of transfer and continuation;

4. After receiving the basic endowment insurance relationship and funds transferred by the social security agency of the place where the original basic endowment insurance relationship of the insured is located, the agency of the new insured place shall complete the relevant procedures within 15 working days, and inform the employer or the insured person of the confirmation in time;

5. The payment period of endowment insurance is calculated cumulatively, and there is a gap between them, which can be supplemented but not supplemented.

Regulations on individual social security payment policies

1. The payment base of basic endowment insurance for urban individual businesses and flexible employees is the average wage of local on-the-job employees in the previous year, and the payment proportion is 20%, of which 8% is recorded in the individual account, and the basic pension is calculated and paid according to the basic pension calculation and payment method of enterprise employees after retirement;

2. In terms of medical insurance, for the self-employed and self-employed, they can choose to build only a co-ordination fund instead of an individual account, and pay the basic medical insurance premium at 4.2% of the local average monthly wage of the previous year; or they can choose to pay at 8% of the local average monthly wage of the previous year, and establish an individual account! The employees who participate in the medical insurance are 6% for the unit and 2% for the individual;

3. After completing the endowment insurance procedures, take the completed endowment insurance procedures and relevant certificates to the local medical insurance center to pay the medical insurance;

4. The minimum payment period of endowment insurance is 15 years, and the minimum payment period of medical insurance is 25 years. When reaching the retirement age, they can apply for pension benefits and medical reimbursement benefits.

Is it cost-effective to pay social security by yourself

1. First of all, don't pay the insurance intermittently. It's not good for you to pay intermittently. Like endowment insurance, if you continue to pay it, you can only take it back to your account when you withdraw it, but so much money will not be returned to you when you enter the social overall planning. If you don't return the insurance, you must pay the late payment. There is also the calculation of the payment period. If you have withdrawn the insurance, the period must start from the time of renewal. However, the intermittent payment of medical insurance also has the time problem of interrupting the reimbursement system. Therefore, do not interrupt the payment of social security except in special circumstances;

2. How to pay social security cost effectively depends on the premium. Even the lowest level is not a small number! How to do it? It's worth living long, and the longer you live, the more you live!

I. how to pay endowment insurance and medical insurance?

1. Endowment insurance

Go to the Social Security Bureau in the area where your household registration is located, take your ID card, one inch photo free, application form, etc. how much money you pay each month will be calculated by the staff when you handle it. It is calculated according to the social average wage of last year. When the individual industrial and commercial households or other flexible employees participate in the endowment insurance, they will pay the basic endowment insurance premium at 20% of the average monthly wage of the on-the-job employees 。

2. Medical insurance

If they are urban residents, they should buy urban residential medical insurance, and take the original ID card, the original copy of household register, the photocopy and one inch color photo to the community neighborhood committee or Social Security Institute for payment registration. Rural residents can participate in rural cooperative medical care. The general village committee will inform you when to hand it in and handle it uniformly. If you are a self-employed individual, you can choose to only build a co-ordination fund instead of an individual account, and pay the basic medical insurance premium at 4.2% of the local average monthly salary of the previous year; you can also choose to pay at 8% of the local average monthly salary of the previous year, and establish an individual account!

2. How to pay social security if it's expensive?

1. If you bear your own social security, you should apply for social insurance according to the freelancer.

2. The payment base of the basic endowment insurance for the self-employed, urban self-employed and flexible employees is the average wage of the local on-the-job employees in the previous year, with the payment proportion of 20%, of which 8% is recorded in the individual account, and the basic pension is calculated and paid according to the basic pension calculation and payment method of the enterprise employees after retirement.

3. In terms of medical insurance, for the self-employed and self-employed, you can choose to only build a co-ordination fund instead of an individual account, and pay the basic medical insurance premium at 4.2% of the local average monthly salary of the previous year; or you can choose to pay at 8% of the local average monthly salary of the previous year, and establish an individual account!

III. how do individuals pay for endowment insurance?

1. Through the unit to participate in endowment insurance, employees can provide their ID cards and required photos, which will be handled by the personnel of the unit;

2. If an individual participates in endowment insurance, it shall be implemented according to the way that the freelancer participates in social insurance. Freelancers can only participate in endowment insurance and medical insurance. The payment of endowment insurance and medical insurance has specific provisions: endowment insurance: take my ID card, unemployment card and two 1-inch photos to the business window of the local social security center.