The base of social security payment is reduced, and the annual social security premium is increased or decreased, which is beneficial in the early stage.

The base of social security payment is reduced, and the annual social security premium is increased or decreased, which is beneficial in the early stage.

Since May 1 this year, social insurance has not only reduced the contribution rate of enterprise pension by 4%, but also affected the contribution base of individual social insurance, because private employment income is now included in the calculation range of social average wage, and it has also reduced the contributions of employees and flexible employees.

Individuals can also participate in endowment insurance and medical insurance for urban workers at their own expense, but the difference with employees in enterprises and institutions lies in the proportion of insurance contributions.

300% of the average social wage.

Since May of 1 year, the decline in the average social wage has led to the overall decline in the highest and lowest social insurance contribution rates, which has led low-income workers to buy insurance with lower contribution rates, directly reducing their social insurance contributions and increasing their take-home wages.

In addition, individuals have to pay 20% of the old-age insurance premium, which is higher than that of company employees 12%. Because the higher amount does not enter the private pension insurance account, but enters the social pooling account, only 8% enters the private pension insurance account, and the base adjustment of social insurance premiums is reduced, which is beneficial to flexible employees to pay their own fees, and this is because the base adjustment of social insurance premiums is reduced, which is beneficial to flexible employees to pay their own fees.

At present, about 30 regions have completed the work of reducing the social insurance payment rate and auditing the payment base.

For example, in Hefei, the upper limit is reduced from 1698 1.74 yuan to 13556.22 yuan, and the lower limit is reduced from 3396.35 yuan to 271.24 yuan.

This means that if the employee's income is less than 2765438 yuan +065438 yuan +0.24 yuan, he will not pay the original 3396.35 yuan, but 2765438 yuan +065438 yuan +0.24 yuan, which is 54.8 yuan less than the original endowment insurance premium.

The same is true for individuals who take out insurance at their own expense. There is no income limit. You can choose the appropriate payment base from nine grades: 60%, 70%, 80%, 90%, 100%, 150%, 200%, 250% and 300%.

If the initial and reduced out-of-pocket expenses are both 60%, you can save $65,438+037 in pension premium, and the annual pension premium alone can reduce about $65,438+0,644.

In addition to old-age insurance, you must also apply for medical insurance.

In Hefei, the cost of out-of-pocket medical insurance is 9%, while supplementary medical insurance needs 15 RMB.

The premium of 2,765,438+065,438+0.24 yuan is about 665,438+0.66 yuan lower than the original. If endowment insurance is added, it is about 198.66 yuan per month and 2384 yuan per year in Hefei.

Because the income of non-employed flexible employees is unstable, it will be a huge expense and a continuous burden if you have to pay social insurance premiums of about 1000 yuan per month.

The revised social security payment base has lowered the threshold of self-payment and reduced the burden. By reducing the cost of insurance, people with more flexible employment can also join the ranks of social security.

In the final analysis, most people join the social security system in order to reimburse medical expenses when they retire and get sick.