How exactly does social security work? How should I use it later?

Social security is specifically how to buy, how should be used later? From the question you can see that you are still quite unfamiliar with the knowledge of social security, social security in fact is not to buy, is to handle, only for the relevant types of social security after the relevant social insurance, in order to enjoy the relevant social insurance treatment, enjoy the treatment of the process, in fact, is the use of the process that you said.

We usually say social insurance, in fact, is what we usually say social security, but there are some friends will be social security is equivalent to employee pension insurance, in fact, this understanding is also wrong. What we usually call social security is actually a larger concept. Social security is relative to commercial insurance. Social security is by our social insurance institutions at all levels to handle, manage and implement the social security system; and commercial insurance is launched by commercial insurance companies industry insurance varieties, belong to the category of commercial insurance system.

Social security includes five major types of insurance: pension insurance, medical insurance, unemployment insurance, work injury insurance and maternity insurance, each of which has different treatment guarantees. If you are an urban employee, the social security is handled by the human resources department of the employer. The place of insurance is the registered place of the company, not the office of the company, which is called the localized management nature of social security. All employees are required to pay pension insurance, medical insurance, unemployment insurance, work injury insurance and maternity insurance in accordance with the provisions of the Social Security Law. Now the maternity insurance has been merged with the medical insurance, that is to say, in the medical insurance, including the maternity insurance content, so now there is the original five insurance has become four insurance.

As an urban worker for social insurance, the employer and the individual employee proportionally bear the cost of social security. Contribution base unit contribution part, according to the unit of the total wages of employees as the contribution base, the employee personal contribution part is according to the employee's actual monthly salary as the contribution base. When the employee's actual salary is less than 60% of the average monthly salary of the employees in the year of participation, 60% of the average monthly salary of the employees in the previous year as the contribution base, if the actual salary of the employee is higher than 300% of the average monthly salary of the employees in the previous year, according to the average monthly salary of the employees 300% of the contribution base, and the part of the higher part of the contribution base will not be counted.

From the contribution ratio, the contribution base of pension insurance is 24%, of which the employer pays 16%, which is credited to the integrated account; the individual pays 8%, which is credited to the individual account, and the accumulated contribution period reaches 15 years at least, and then reaches the legal retirement age, retires according to the law, and enjoys the basic pension treatment on a monthly basis; the contribution ratio of medical insurance is 8.5% (including maternity insurance), of which the unit pays 6.5%, which is credited to the individual account, and the accumulative contribution period reaches 15 years, and the legal retirement age, and then retires according to the law, and enjoys the basic pension treatment on a monthly basis. The contribution rate for medical insurance is 8.5% (including maternity insurance), of which the unit contribution of 6.5% is credited to the account of the Medical Coordination Fund, and the individual contribution of 2% is credited to the personal account, which is the money returned to the social security card every month. In addition to the individual contribution, 30% of the unit contribution will also be credited to the individual account. Medical insurance contribution period reaches the contribution period stipulated by the local government department, after retirement, no longer pay medical insurance but enjoy medical insurance treatment for life; unemployment insurance contribution rate is 1%, by the unit and individual each at the rate of 0.5%, contributions for more than one year, meet the conditions for unemployment insurance benefits, you can receive unemployment insurance benefits; work-related injuries insurance contribution rate is determined according to the industry in which the unit is engaged in, and the unit contributes 30% of the unit contribution. The unit that pays for the workers' compensation insurance, after the unit employee has a workplace accident, the workers' compensation insurance fund will solve the medical expenses and salary allowance and other expenses of the employee.

Flexible employment without formal employment, social insurance can only be handled in the township or street social security service center where the household registration is located, according to the needs of the individual can be handled by the employee's pension insurance, medical insurance. It is also possible to handle only the employee pension insurance alone. The contribution base for social insurance is based on the average monthly salary of local employees in the previous year, and is divided into three contribution levels of 60%, 100% and 300%, which can be chosen according to one's own financial ability, and the higher the contribution and the longer the period of contribution, the higher the pension benefits will be. Since there is no employer who needs to bear the full amount of contribution from the individual if the contribution is made in accordance with the way of flexible employment personnel, the contribution rate for pension insurance is 20%, which is 4 percentage points lower than that of the unit's contribution, and the contribution rate for medical insurance is 8%, and there is only medical insurance but no maternity insurance. Pension insurance contributions for 15 years to reach the legal retirement age can be retired, the calculation of pensions and on-the-job workers do not have any difference; medical insurance contributions to reach the local government departments to provide the number of years of contributions, the same in the retirement, no longer pay medical insurance life-long enjoyment of medical insurance treatment. Flexible employment personnel to pay employee pension insurance, the retirement age of women, more than in the workforce to 5 years, that is, 55 years old to go through the retirement.

In summary, the handling of social security is divided into two broad categories: urban workers and flexibly employed people. Urban workers by the employer in the company's registration, in accordance with the provisions of the unified payment of five or four employees; flexible employment in the township or street social security service centers, or their own online registration, can only be for the old age insurance and medical insurance. After completing the required contribution obligations, the participant will enjoy the corresponding social insurance benefits in accordance with the provisions of the Social Security Law.

Hello owner, how is the purchase of social security, and how should it be used in the future? Purchase of social security is actually very simple, there are about two forms, one form, that is, if you have a work unit, then the individual does not need to worry about the purchase of social security issues, because the enterprise unit has the responsibility and obligation to our individual employees to buy social security, because this is the labor contract law clearly stipulates that belongs to the legal responsibility and obligation.

That for the individual without a work unit can also buy social security, because there is no work unit, so that can not be through the work unit to buy social security, then only to choose to buy social security, of course, the individual choose to buy social security is also divided into two different situations, one situation is the individual to flexible employment to participate in the way the employee pension insurance and employee medical insurance, another situation is the individual can choose to participate in the urban and rural areas, and the other is the individual can choose to participate in the urban and rural areas, and the other is the individual can choose to participate in the urban and rural areas. One is that the individual can choose to participate in the urban and rural residents pension insurance and urban and rural residents medical insurance.

So this will allow you to realize the purpose of purchasing social security, the ultimate purpose of purchasing social security is to allow us to realize the treatment of receiving basic pension, but also enjoy the treatment of retirement health insurance, then after the realization of these two aspects of the treatment of our personal is a great benefit, because this will ensure that we have a dependence on the old, the old rely on the old, the old, the old, the old, the old, the old, the old, the old, the old, the old, the old, the old, the old, the old, the old, the old, and the old. The old man has something to live for, for our future later retirement life laid a very good foundation.

Social security is social insurance. Including pension, medical, work injury, maternity, unemployment insurance. Premiums can be paid by the unit of twelve percent of the unit, eight percent of the individual, uniformly paid to the tax office. If you don't have an organization, all the premiums are paid by the individual. You have to pay the full fifteen years to the retirement age, you can receive a pension.

Always said that social security is good, must buy social security while young, social security in the end how to buy? What is the use of social security? Here to explain to you one by one.

First, how to buy social security?

Buy social security in general three ways: unit insurance, flexible (personal) insurance and dependence , and flexible insurance is divided into their own to the Social Security Administration insurance and social security agency insurance.

1. Unit participation

According to the Social Insurance Law, if you work in a unit, you must participate in social insurance, both individuals and employers must participate, which is mandatory for the state.

2. Flexible Participation

1) Participate in the social security bureau on your own

If you are flexibly employed, you can bring all the information to the local social security bureau to pay for the social security (some areas must be the place where the household is located in order to pay for the social security bureau on your own, and you can only choose the other way if you do not have a household registration in this city);

The first thing you should do is to bring the information to the local social security bureau to pay for the social security.


2) Social Security Agency

If you are not a resident of the city, you can choose to find a social security agency/institution to pay on your behalf, but the agency needs to charge a certain amount of service fees and charges;

3. The first thing you need to do is to get your hands dirty.

Second, what is the use of paying social security? 1) to maintain the old

This is the simplest and most direct way, the national legislation must pay social security, in order to be able to make workers in the post-retirement life is guaranteed. It is often said that "the old, the old," to pay social security is not to make in their old age after the life of the security? The same can give their children to reduce the economic burden;

2) to protect against disease

Guangdong has a very famous saying "while you are sick to take your life". A person can not be afraid of anything, the most afraid of is sick, may be a small cold bucket have to spend hundreds of dollars, if there is health insurance insurance, then you may only need to give a few dozen dollars. The original intention of the social security is "so that everyone can afford to see the disease", although some are not very good, but it is impossible to not be sick all your life;

Social security also has a function is: men pay 30 years, women pay 25 years ((different regions, the contribution period varies, please prevail in the local regulations), you can enjoy the lifetime of the The coverage is available for the whole life.

3) Other protection

① Women can enjoy maternity reimbursement and maternity allowance when they give birth;

② In the event of a work-related injury, you can enjoy the protection of work-related injury allowance, hospitalization expenses, medical expenses, and lump-sum disability benefit;

③ In the event of unemployment, you can enjoy the unemployment allowance or unemployment subsidy, which will help you get through the hard times.

Social security is social insurance. It includes five insurances: old age and work injury, medical and maternity, plus unemployment.

There are two forms of social security contributions:

One is in the unit in which you work to pay, but you as a flexible worker to pay their own.

The unit is generally in the unit location of the Social Security Administration, the Medical Bureau or now the administrative hall unit account, to the employees on the insurance, this individual will not have to worry about.

If you pay yourself, then you go to your local talent or the local administrative hall for their own flexible employment payment process can be.

Work injury, unemployment in your encounter with work injury or unemployment, meet the conditions of use can be used.

Medical in your daily consumption of drugs and hospitalization consumption and so on when you can use your social security card,

Pension will have to wait for you to pay at least fifteen years, and to you to the age of retirement can be applied for retirement.

Find a reputable one on Taobao directly and ask for advice.

Social security specifically how to buy? How should I use it in the future? The first question of social security insurance is divided into unit insurance and personal insurance. The second question you should want to ask what role it? Then I'll take a look at the specific how to participate in the insurance and the role of the insurance after it!

First, if you work in the unit, you are within the legal age, then by the unit to give you insurance, you do not need to go through any formalities oh. The specific role is as follows:

1. Pension insurance: a total of 15 years to reach the statutory retirement age when you can receive a pension.

2. Medical insurance: the second month of the unit's successful contribution you can enjoy medical insurance treatment, such as hospitalization can be reimbursed in accordance with the provisions of the disease.

3. Unemployment insurance: in accordance with the provisions of the insurance for more than one year, the legal age of labor is not due to their own reasons for unemployment can go to receive unemployment benefits

4. Workplace injury insurance: in the event of work-related injuries can be in accordance with the provisions of the corresponding treatment of work-related injuries, work-related injury reimbursement are 100% reimbursement of the provisions of the regulations.

5. Maternity insurance: In line with the policy of maternity, continuous payment of six months of maternity insurance can enjoy maternity insurance reimbursement.

Secondly, if you don't have a unit to work with, then you can also enroll in employee pension insurance and employee medical insurance or resident pension insurance and resident medical insurance. That specific role is that the pension insurance can later receive pension, medical insurance can be in accordance with the provisions of the enjoyment of medical treatment reimbursement, which is also written very clearly, I will not be introduced one by one.

The unit of insurance can be insured five insurance, and they can only choose to insure the pension insurance and medical insurance.

1, social security specific how to buy?

If you are an active employee, the company takes the initiative to pay for your social security, the company in addition to a portion of their own in addition to a small part.

If you are a freelancer, first of all, you can go to the local social security bureau to pay, but personal payment can only pay pension and medical insurance. Secondly, you can find a professional contribution agency to pay on behalf of the dependency contribution is all can pay, but also can enjoy.

2. How should social security be used?

I'm going to talk about it one by one

Pension Insurance

Accumulated payment of 15 years, and reached the age of retirement, in the retirement every month can receive pension;

Medical Insurance

The second month after the payment of social security, you will be able to receive the pension;

The second month after the payment of social security, you will be able to receive the pension. In the second month after you pay social security, you are entitled to medical reimbursement. If a woman pays for 20 years and a man pays for 25 years, you can enjoy lifelong medical insurance reimbursement;

Maternity Insurance

If you pay for social security for 6 consecutive months, you can be reimbursed for maternity checkups and delivery costs, and if you pay for 12 consecutive months, you can receive maternity allowances when you have a baby.

Worker's Compensation Insurance

Employees who suffer accidental injuries or occupational diseases that result in temporary or permanent incapacity for work as well as death in the course of their work or under specified special circumstances can receive an allowance.

Unemployment Insurance

Unemployed persons who have accumulated contributions for one year, interrupted their employment not because of their own will, and registered as unemployed with a subsequent request to find a job can receive unemployment benefits.