Social security payment can be divided into individual payment and unit payment. Usually, when paying social security fund in the name of an individual, it can only be the pension and medical insurance in the social security. For many people who have no formal unit or are freelancers, they can actually pay social security themselves.
How to pay social security?
When individuals pay social security, they can only pay pension and medical insurance. The specific process is as follows:
1. How to pay for social security can be as a freelancer (pension + medical care);
2. Insurance conditions: urban household registration or rural non resident registration;
3. Place of handling: social security service point in local community street, or social security bureau at district and county level (labor and Social Security Bureau);
4. How to pay for social security: household register, ID card and copy, 2 1-inch photos;
5. Payment standard: Based on the local social average wage in the previous year, the pension payment rate is 20%, and the medical care is about 9%. At present, there are still two options: 80% and 100%.
Two forms of individual social security payment
1. It should be handed over by the unit.
[note] the unit and the individual shall jointly pay in proportion, and the individual part will pay the pension insurance according to 8% of the average monthly wage of the previous year, 2% of the medical insurance and 0.5-1% of the unemployment insurance;
2. Individuals pay social insurance with flexible employees.
[note] according to the stipulated payment base and proportion, the regulations vary from place to place. The general endowment insurance is paid at the proportion of 18-28%, and the medical insurance is generally paid at 6-10% of the local average wage level of the previous year.
How to pay the social security for the personnel from other places?
If the local registered residence wants to handle social security locally, it needs to apply for the procedure of social security transfer. Its specific procedures are 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 insured place;
2. The social security agency of the new insured place shall, within 15 working days, examine and approve the application for transfer and continuation, send a letter of acceptance to the social security agency of the place where the insured's original basic old-age insurance relationship is located, and provide relevant information; for those that do not meet the transfer and continuation conditions, they shall make a written explanation to the applicant or the insured;
3. The social security agency in the place where the original basic endowment insurance relationship is located shall handle all the procedures for transfer and continuation within 15 working days after receiving the letter of consent to accept the application;
4. After receiving the basic endowment insurance relationship and funds transferred by the social security agency of the place where the insured's original basic endowment insurance relationship is located, the new insurance agency shall complete the relevant procedures within 15 working days, and inform the employer or insured personnel of the confirmation in time;
5. The payment period of endowment insurance is cumulative, and there is a gap between them, which can be made up or not.
Individual social security payment policy
1. The contribution base of urban individual industrial and commercial households and flexible employees to participate in basic endowment insurance is the average wage of local employees in the previous year, and the contribution proportion is 20%, of which 8% is recorded in the individual account. After retirement, the basic pension is calculated and distributed according to the basic pension calculation and distribution method of enterprise employees;
2. In terms of medical insurance, the self-employed and self-employed can choose to build only a pooling fund, not an individual account, and pay the basic medical insurance premium according to 4.2% of the local average monthly wage in the previous year; or 8% of the local average monthly wage in the previous year to establish an individual account! The unit bears 6% of the employee's medical insurance, and the individual bears 2%;
3. After the completion of the endowment insurance procedures, with the old-age insurance procedures and relevant certificates, to the local medical insurance center to pay medical insurance;
4. The minimum payment period of endowment insurance is 15 years, and that of medical insurance is 25 years. And when they reach retirement age, they can apply for pension benefits and medical reimbursement.
Is it cost-effective to pay social security?
1. First of all, don't pay the insurance intermittently. It's not worthwhile for you to break the insurance. For example, if you continue to pay the insurance, you can only take back the insurance in your own account. However, the amount of money you get into social co-ordination will not be returned to you. If you don't surrender the insurance, you must pay the late payment. There is also the calculation of the number of years of payment. If you have withdrawn the insurance, the number of years must be calculated from the time of renewal. However, the intermittent payment of medical insurance still has the time problem of interrupting the reimbursement system. Therefore, do not cut off the payment of social security except under special circumstances;
2. How to pay social security cost-effective depends on the amount of premium. Even at the lowest level, it is not a small number! How is it cost-effective? If you live long, you will get better!