How can people who have never paid social security pay social security? How to purchase social security for flexible employees

How can people who have never paid social security pay social security?

If you haven't paid the social security, and there is no company to help you pay the social security, you can choose an agency to pay the social security. The social security paid includes five insurances, but what we need to know is that if you take part in the company, your financial pressure will be even greater.

It can also be paid as a flexible employee. The base of payment is relatively low, and only two kinds of insurance, old-age insurance and medical insurance, are required, and others are not required, so the overall cost is relatively small.

How do flexible employees buy social security?

If there is no unit, it must be paid by flexible employment. The only social security that can be paid is medical insurance and endowment insurance. When flexible employees participate in endowment insurance, they pay the basic endowment insurance premium at 20% of the average monthly salary of on-the-job employees. Medical insurance generally pays the basic medical insurance premium at 4.2% of the local average monthly salary in the previous year.

In terms of endowment insurance, the minimum payment period is also 15 years. Medical insurance, men have to pay at least 25 years, women have to pay 20 years. When they reach retirement age, they can apply for pension and medical reimbursement.

If you participate in the endowment insurance as a flexible employee, when you retire at retirement age, the pension will be calculated and paid in the same way as employees, and also according to factors such as the payment period of my endowment insurance, the balance of my personal account, and the average salary of employees in the previous year when you retire. The payment base is 60% to 300% of the average salary of employees in the whole province in the last year (individuals choose according to their own economic situation), and the payment ratio is 20%. The calculation method of retirement pension is the same as that of enterprise retirees.