The social security center pays social security by itself.

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There are many types of out-of-pocket social security, and the following are the two most common:

The first is the social security for urban workers paid in the social security center where the household registration is located.

The condition is that urban residents, with registered permanent residence and no job, choose to pay their own social security for 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.

Second, worry about social security and find an institution to pay social security.

This generally refers to foreigners working in big cities. When leaving or jumping ship, I worry that social security will affect buying a house and a car, so I go to some institutions to pay social security. Many people also find friends who run companies around them to pay for it. 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.

On-the-job employees, pension insurance units pay 19% and individuals pay 8%, medical insurance units pay 10% and unemployment insurance units pay 0.8% and individuals pay 0.2%. If you pay by yourself, this 27%+ 12%+ 1%=28%. 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.

The function and significance of social security;

First, social insurance can play the role of social stabilizer. The old, weak, sick, disabled, pregnant and disabled members of society are inevitable objective phenomena in any era and under any social system. Social insurance is to give appropriate compensation to members of society when they encounter this situation, to ensure their basic living standards and to prevent the emergence of unstable factors.

Second, social insurance is conducive to ensuring the smooth reproduction of social labor. Laborers will inevitably encounter all kinds of accidents in the process of labor, resulting in the pause of labor reproduction. Social insurance is to give necessary economic compensation and living security to workers when they encounter the above-mentioned risk accidents, so that the labor force can be restored.

Third, social insurance is conducive to achieving social equity. Due to the difference of people's education level and labor ability, the income gap will be caused. Social insurance can collect insurance funds through compulsory collection of insurance premiums, subsidize low-income workers or those who have lost their sources of income, improve their living standards, and achieve fair distribution of society to a certain extent.

Fourth, social insurance is conducive to promoting social progress. Insurance has the characteristics of mutual assistance, and social insurance can better reflect the spirit of mutual assistance and cooperation.