44-year-old female freelancer, is it cost-effective to buy social security in Zhaoqing, Guangdong?

Notice on the proportion of social insurance payment in Zhaoqing City

First, the insured payment and cancellation of the unit to stop insurance and other related matters.

(A) social insurance payment standards

1, salary base of insured workers in our city in 2008:

After our city (Gaoyao City) is included in the regional planning of Zhaoqing Social Insurance Center, if the payment salary in 2008 (July 20081-June 30, 2009) exceeds 300% of the average monthly salary of employees in the province last year, it will be 7360 yuan; If the taxable salary income of the insured is lower than 60% of the average monthly salary of employees in our city last year 1736, the minimum payment base is 1040 yuan. Every July, it will be adjusted according to the unified regulations of Zhaoqing City.

2. In 2008, the payment ratio of various types of insurance in our city (according to the payment wage) is as follows:

(1) endowment insurance 28%. In which: the unit pays 20%; Individuals pay 8%.

(2) Unemployment insurance is 3%. Among them: the unit pays 2%; Individual contribution 1% (individual part of migrant workers 1% is not levied).

(3) The industrial injury insurance is 0.5%, 1% and 1.5% respectively according to the nature of the company (paid by the company).

(4) Maternity insurance 0.4% (paid by the unit).

(5) Medical insurance is 8.3%. In which: the unit pays 6.3%; Individuals pay 2% (foreign capital and private enterprises pay 4.8% hospitalization insurance).

(2) The change (exit) of employees of non-public insured units shall be handled.

When the employees (or individual industrial and commercial operators) of the unit change, the unit should go to the local tax authorities to handle the personnel change or increase procedures before 15 of the current month (legal holidays can be postponed, the specific time is subject to the notice). Otherwise, the extension or failure is regarded as continuing to participate in the insurance (or not participating in the insurance).

(3) Non-public enterprises must apply to the local tax authorities for social insurance registration within 30 days after their establishment.

65438+

2, with the above information to the local tax authorities for registration;

3. After the local tax authorities complete the payment registration, they will transmit the corresponding payment registration information to the social security department, and after being audited by the Social Security Bureau, they will register the insured units and issue social insurance registration certificates (the self-employed do not have such certificates);

4. Social insurance premiums paid by new insured units shall be registered in the current month and paid next month. The insured with free status can declare payment in the current month, which will be collected by the local tax authorities on a monthly basis. The insured unit shall pay the fee to the local tax department of the town before 15 every month. Otherwise, the month is regarded as arrears. The social insurance premiums that individual employees should pay shall be withheld and remitted from their wages by their units.

5, the insured units, each year with the annual examination of the "social insurance registration certificate" to the industrial and commercial departments for business license annual examination, change procedures.

(four) the insured units (including private foreign investment and individual industrial and commercial households) shall go through the formalities of suspension and cancellation.

Within 30 days from the date of dissolution, bankruptcy, cancellation, merger, relocation and closure, the unit shall go to the local tax authorities to cancel the payment registration with the industrial and commercial cancellation certificate and the social insurance registration certificate, and after paying the social insurance premium and overdue fine, the local tax authorities shall issue the Notice of Cancellation of Social Insurance Payment, and the payer and individual shall go to the Social Security Bureau to cancel the payment with the Notice of Cancellation of Social Insurance Payment, Industrial and Commercial Cancellation Certificate and Social Insurance Registration Certificate.

Two. Continuation of social insurance affairs

If the payment of old-age insurance premiums is interrupted for various reasons, after re-employment, the new unit can renew the insurance, and the unit directly goes to the local tax authorities to go through the formalities of increasing the number of employees; Unemployed people (called freelancers) can also carry their ID cards and employee pension insurance manuals for renewal procedures. If the social insurance premium is paid before June 5438+0, 2009, the insured person will go directly to the window ② of the insurance relationship unit in the service hall on the first floor of the Social Security Bureau with relevant information; If the social insurance premium is paid after June 5438+0, 2009 (including June 1), the insured shall go to the local tax authorities with relevant information. The social insurance payment period of the insured unit or individual can be calculated together.

Iii. Social insurance related settlement matters

The unit shall fill in the Application Form for Increase or Decrease of Social Insurance Personnel before 15 every month and affix the official seal of the unit, and go to the local tax authorities to handle the formalities for stopping the insurance for employees (if there is arrears, the social insurance premium owed must be paid off);

1, midway surrender procedures.

Non-urban registered permanent residence insured persons, after stopping insurance, shall go through the surrender formalities in the lobby on the first floor of the Municipal Social Security Bureau with the original and photocopy of their ID cards and pension handbook.

2. Retirement settlement under the age of payment.

If the insured reaches the legal retirement age, but the payment period is not enough to qualify for receiving the monthly pension, I can go to the lobby on the first floor of the Municipal Social Security Bureau with the original and photocopy of my ID card and the current passbook (except postal savings) of the state-owned bank settlement account opened by me in Zhaoqing City after going through the formalities of stopping the insurance. The retirees who only pay the individual part of the old-age insurance in government agencies and institutions are required to provide the original and photocopy of my retirement certificate.

personnel department

Insurance freelancers receive unemployment benefits.

Personnel during this period

Salary paid: 1040 (yuan) Proportional amount (yuan) Proportional amount (yuan)

provide for the aged

Insurance unit12%124.5438+02%124.8

Individual 8%83.28%83.2

medical treatment

Insurance Unit 6.3%65.52

Individual 2%20.80

Total: 28.3%294.3220%208

2009 1 month

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.