Personal social security payment policies and regulations

More and more places in life need social insurance, and we can also pay social insurance. So what are the policies and regulations for individuals to pay social insurance? In order to help you better understand the relevant legal knowledge, I specially answer this question for you and show you other relevant legal knowledge, hoping to help your study and practical application. I. Policies and regulations on individual payment of social security (1) The base of payment for urban individual industrial and commercial households and flexible employees to participate in basic old-age insurance is the average salary of local employees in the previous year, and the payment ratio is 20%, of which 8% is credited to individual accounts. After retirement, the basic pension shall be calculated and paid according to the method of calculating and paying the basic pension for enterprise employees;

(2) In terms of medical insurance, freelancers and self-employed individuals can choose to establish a pool fund instead of a personal account, and pay the basic medical insurance premium at 4.2% of the local average monthly salary in the previous year; You can also choose to pay 8% of the local average monthly salary in the previous year and set up a personal account! Employees participating in medical insurance, 6% units and 2% individuals;

(3) After completing the old-age insurance procedures, pay medical insurance at the local medical insurance center with the old-age insurance procedures and related documents;

(4) Minimum payment period of endowment insurance 15 years, and minimum payment period of medical insurance is 25 years. And when you reach retirement age, you can apply for pension benefits and medical reimbursement concessions.

As we all know, in fact, more and more places in life need social insurance, so even if there is no fixed unit to work, it is still necessary to apply for social insurance. As for how individuals pay social insurance, you actually apply to the social security management department and submit your personal information and materials, which can only be processed after examination, and it takes fifteen years according to the regulations.

Second, how much social security does an individual pay? Individuals who pay social security for one month can apply for social security for freelancers. Social security for freelancers includes pension and medical insurance. It depends on which area your ID card is in. You can go directly to the social security center in your district for consultation. To participate in insurance by individual means, you need to apply to the social security bureau where your account is located. Insurance procedures include: my ID card, two recent bareheaded one-inch photos, insurance premium, application form, etc.

The social security payment standard of each city is different, which is determined according to the average wage of the local society.

Third, how do individuals pay social security method 1: find a formal social security agency to pay. This method can guarantee the payment of "five insurances and one gold" just like the on-the-job personnel. It should be noted here that although it belongs to the social security agency, all the money must be borne by itself, and a part of the service fee must be paid to the agency. However, it is worthwhile to exchange small money for long-term peace of mind.

Method 2: Individuals pay "five insurances and one gold" and pay if they want. Generally, only pension insurance, medical insurance and unemployment insurance can be paid, and only some cities have opened provident fund payment.

Friends who need to pay medical insurance, old-age insurance and unemployment insurance can go to the social security agency where their household registration is located, participate in the social security registration procedures of hospitalization insurance according to their personal circumstances, and designate a bank to pay with a personal savings card, and agree on the deduction time and pay in full monthly/quarterly. However, the payment base and proportion will be different in different places, subject to consulting the local social security bureau.

At the same time, individuals pay housing provident fund, not every city has this policy, subject to the consultation of the local provident fund management center.