How to pay personal social security without a job?

Pay social security for flexible employees. Unemployed people pay personal social security in the following ways:

First, if you are in the domicile, you can apply to the local social security bureau to pay social security as a flexible employee. This method is the most reliable and formal. Pension has been paid 15 years, male medical insurance has been paid for 25 years, and female medical insurance has been paid for 20 years. After retirement, the treatment is the same as that of normal employees. Of course, you have to bear all the money yourself, unlike the company employees who share the bulk.

Second, for the social security of urban and rural residents, the advantage of this method is cheap, and it is insured as urban and rural residents. Medical insurance is only a few hundred dollars a year, and pension is only a few thousand dollars a year, but the proportion of medical insurance reimbursement will be lower, and the pension after retirement will be correspondingly less.

Third, find a social security agency to handle it. If the city where you live is not where your household registration is located, you can only find social security agencies to handle it. You have to bear the expenses of both the individual and the company at the same time, and the service fee of the intermediary will be more expensive, so there is no way. To sum up, all three methods need to bear all the expenses themselves. If you are over 50 years old, it is not particularly cost-effective. Therefore, it is best to make plans for your own pension problem as early as possible, and try to let the company help you pay social security when you go to work.

If you don't have a job, you can also pay flexible employment social security at your domicile. The main advantage of this kind of social security is that you can add up the payment time of employee social security. However, because it can only be paid at the place where the household registration is located, it cannot meet the policy restrictions of some migrant workers buying houses at their workplaces. The most basic guarantee of residents' fuse is to pay only medical insurance and endowment insurance, and the payment fee is low. Generally, those who pay are the elderly and students who have no income.

Two social security systems:

1. Employee social security

The social security of employees is what we call five insurances, including endowment insurance, medical insurance (including maternity), work injury and unemployment. Among them, pension, medical insurance and unemployment are paid by units and individuals, and units pay a lot; Work-related injuries and maternity are mainly paid by the unit, and individuals do not have to pay. Employee pension insurance, reaching retirement age, paying 15 years, can enjoy retirement pension insurance benefits; Workers' medical insurance, when they reach retirement age, has already paid the prescribed number of years, and they don't have to pay it after retirement, so they can enjoy medical insurance benefits for life.

2. Social security for residents

The residents' social security system is mainly composed of residents' medical insurance and residents' old-age insurance, which is aimed at residents who have not paid social security for employees. Residents' medical insurance, residents can enjoy the medical insurance benefits by paying a fee of 1 year and guaranteeing 1 year according to the regulations, and the government gives certain financial subsidies (the premiums of vulnerable groups are borne by the government). Many people may not pay much attention to the old-age insurance for residents, which was piloted in July of 20 1 1 year and implemented nationwide in 20 12. It is also a combination of individual contributions+financial subsidies, social pooling and personal accounts. Residents can choose to pay according to different grades, and they can enjoy lifelong pension treatment when they reach the prescribed age and pay 15 years. Whether it is residents' medical insurance or residents' endowment insurance, because the payment is relatively small, the treatment is far less than that of employees' social security. Therefore, employee social security is generally given priority. If employee social security cannot be paid, resident social security will be chosen.

Individuals without work units, such as part-time, temporary workers and flexible employees, can participate in employee social security as flexible employees. Flexible employees can participate in employee pension insurance and employee medical insurance (unemployment insurance is needed in some places). There are different payment bases for endowment insurance for flexible employees. Take Changzhou as an example, 2020 will be divided into four grades:

The first gear 16842 yuan;

Second gear 72 16 yuan;

The third gear is 4329 yuan;

The fourth gear is 3368 yuan;

In general, it is enough to pay according to the lowest level.

Legal basis:

Article 10 of the Social Insurance Law of People's Republic of China (PRC) * * * Employees shall participate in the basic old-age insurance, and both employers and employees shall pay the basic old-age insurance premium. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employer and other flexible employees can participate in the basic old-age insurance, and individuals pay the basic old-age insurance premium.

Article 11 of the Social Insurance Law of People's Republic of China (PRC) * * * The basic old-age insurance shall combine social pooling with individual accounts. The basic old-age insurance fund consists of employers, individual contributions and government subsidies.

Article 12 of the Social Insurance Law of People's Republic of China (PRC) * * * The employing unit shall pay the basic old-age insurance premium according to the proportion of the total wages of employees stipulated by the state and record it in the basic old-age insurance pooling fund.

Employees shall pay the basic old-age insurance premium in accordance with the proportion of wages stipulated by the state and record it in their personal accounts.

Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employing unit and other flexible employees who have participated in the basic old-age insurance shall pay the basic old-age insurance premiums in accordance with state regulations and record them in the basic old-age insurance pooling fund and individual accounts respectively.

Article 60 of the Social Insurance Law of People's Republic of China (PRC) * * * The employer shall declare 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.