How and where to pay the social security card?

First, the social security conditions for urban workers paid in the social security center where the household registration is located are that urban residents have a household registration and have no job. They choose to pay social security for themselves, for the sake of old-age care and medical care. Social security for urban residents is not easy to handle. Generally, most people will pay social security, pension insurance, medical insurance and unemployment insurance for urban workers through local social security centers. Although unemployment insurance is useless, they still have to pay it. The payment base refers to the local average wage of employees in the previous year, in which the minimum payment base of endowment insurance is 40% of the local average wage in the previous year, and the payment ratio is 20%. The minimum payment base of medical insurance is 60% of the local average salary in the previous year, and the payment ratio is 5%. Take the old-age insurance in Beijing as an example. In 20 16, the average monthly salary of Beijing employees was 7706 yuan, and the minimum payment was 7706*40%*20%=6 16.48 yuan. Other areas can be brought into the local average wage calculation. In Beijing, the social security paid by oneself is divided into three grades: low grade, medium grade and high grade. Pay 1 0,030.96 yuan per month for low grade, 1 0,357.87 yuan per month for middle grade and 20 1.25 yuan per month for high grade. I'll tell you why it's best to hand it in at the lowest level. As I said at the beginning, the proportion of ordinary employees paying social security is much higher than that of individuals. For example, pension insurance companies in Beijing pay 19% and individuals pay 8%, and medical insurance companies pay 10% and individuals pay 2%. The part paid by the unit is included in the overall social security account, and the part paid by the individual is included in the personal account. If the money in the individual pension insurance account is not collected before death, it can be inherited. The money in the personal medical insurance account can be directly returned to your own medical insurance passbook, which can be withdrawn at any time, or returned to your own medical insurance card, and you can swipe your card when you see a doctor; However, the money in the overall account, that is, the money in the social security pool, is everyone's common property. It's hard to say how much you can spread on your own head, and it's not too much. If you pay social security yourself, although all the money is paid by yourself, only 40% is included in your personal account, and the other 60% is included in your overall account. Is it a loss? So it is best to pay social security according to the lowest level. Second, I am worried that social security will be broken, and I will find an agency to pay social security. This generally refers to foreigners working in big cities. When they leave their jobs or jump ship, it will lead to a gap in their work. They are worried that social security will affect buying a house and a car. And they will find some institutions to pay social security. Many people also look for friends who start companies around them to pay for them. Five insurances and one gold can be paid selectively. In addition to pension, medical care and unemployment insurance, the other two insurances and one gold can be paid or not. Because short-term payment of work-related injury insurance, maternity insurance and provident fund has little impact, everyone generally only pays three insurances. In this case, the social security paid is basically the same as that paid by ordinary employees, but the difference is that the part paid by the unit must also be paid by individuals, so the cost is very high. For on-the-job employees, the pension insurance unit pays 19%, the individual pays 8%, the medical insurance unit pays 10%, the individual pays 2%, and the unemployment insurance unit pays 0.8%. If it is paid by itself, the proportion from 27% to 1% = 28% must be borne by the individual. In addition, the proportion that can be included in personal accounts is even less. For example, the proportion of self-payment for old-age insurance is 27%, but only 8% is included in personal accounts, accounting for only 29.6%, which is not as good as the previous situation of self-payment for social security. However, the social security paid in this case is of a short-term transitional nature. No one will pay this social security even if he doesn't work all the year round, otherwise he will lose money. Generally, everyone pays social security according to the minimum base. The following small series will give you a calculation of how much you have to pay each month in Beijing. Last year, the average wage in Beijing was 7,706 yuan, and the minimum payment base of old-age insurance was 40% of the average wage, while the minimum payment base of medical insurance and unemployment insurance was 60% of the average wage. The contribution rates of old-age insurance, medical insurance and unemployment insurance were 27%, 12% and 1% respectively, and the calculated amount was 7,706 * 40% * 27,706. Bian Xiao will summarize for you that you must pay social security according to the minimum level. As for the first case, it is a matter of opinion if it is not cost-effective. Conservative people usually pay by themselves, while radical people often invest their own money; In the second case, short-term payment can achieve the purpose of continuous social security and ensure that social security will not be broken. Regarding how to pay social security cards, it can be seen that these two methods are set for different groups of people. If the laborer has no job for a long time, he can pay according to the first method. If the laborer is only in the transition period and wants to enjoy all the rights and interests, he can choose the second payment. If you have other questions about this, you can also consult an online lawyer in Hualv.com to answer them.