How to buy social security is the most cost-effective

How to buy social security is the most cost-effective;

1. If there is a work unit, the social security is not paid by the unit, but by the individual: report to the labor inspection or bring a lawsuit to the people's court. This method is usually only applicable to the war with the unit and resignation. Another way is for individuals to pay according to the insurance method for flexible employees;

2. If there is no work unit, the individual will directly pay in full: this situation involves the insured and the registered permanent residence. If there is no insurance in the past, you can only have insurance at your place of residence and pay according to the flexible employment policy. If you are insured, you can renew your insurance directly, and then apply for insurance according to the flexible employment policy;

3, affiliated with a unit, both units and individuals have to pay: this kind of past is more common, especially the endowment insurance of public institutions. In this case, the insurance premium paid by units and individuals is paid by individuals, which is higher than that paid by flexible employment policy. This situation is not cost-effective, but it is still used.

Social security payment method

When a worker goes to an employer for employment, the employer and the worker pay jointly, and the social insurance premium that the worker should pay is withheld and remitted by the employer; Workers employed by non-employing units can directly pay social insurance premiums to social insurance premium collection agencies as flexible employees, but they can only pay non-basic old-age insurance premiums and basic medical insurance premiums.

What does social security include?

The main items of social insurance include endowment insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance. The social insurance plan is organized by the government, forcing a certain group to use part of its income as social insurance tax to form a social insurance fund. Under certain conditions, the insured can get fixed income or loss compensation from the fund. It is a redistribution system, and its goal is to ensure the reproduction of material and labor and social stability.

I hope the above content can help you. If in doubt, please consult a professional lawyer.

Legal basis:

Article 60 of People's Republic of China (PRC) Social Insurance Law

The employing unit shall declare itself and pay social insurance premiums in full and on time, and shall not postpone or reduce the payment except for legal reasons such as force majeure. The social insurance premiums that employees should pay shall be withheld and remitted by the employer, and the employer shall inform me of the details of paying social insurance premiums on a monthly basis.

Individual industrial and commercial households without employees, part-time employees who have not participated in social insurance in the employing units and other flexible employees can pay social insurance premiums directly to the social insurance premium collection agencies.

Article 58 of the Social Insurance Law

The employing unit shall, within 30 days from the date of employment, apply to the social insurance agency for social insurance registration for its employees. If the social insurance has not been registered, the social insurance agency shall verify the social insurance premium it should pay.

Employees-free individual industrial and commercial households who voluntarily participate in social insurance, part-time employees who do not participate in social insurance in the employing unit and other flexible employees shall apply to the social insurance agency for social insurance registration.

The state establishes a national unified personal social security number. Personal social security number is a citizen's identity number.