How do individuals without units pay endowment insurance?

How to buy old-age insurance for individuals without a unit: Bring my ID card, unemployment certificate and two 1 inch photos to the business window of the local social security center, and only participate in old-age insurance and medical insurance. If you want to buy social security endowment insurance, you must go to the service window of the local social security bureau. Generally, in the government service hall of the county, there are pension insurance windows for rural hukou and urban hukou. Please consult the window staff for the specific tariff and handling.

Individuals who participate in social insurance shall participate in social insurance according to the method of freelancers. Freelancers can only participate in endowment insurance and medical insurance. Among them, the relevant regulations for individuals to purchase endowment insurance: bring their ID card, unemployment certificate and two 1 inch photos to the business window of the local social security center. Just pay the fee normally according to the regulations. Freelancers, urban individual industrial and commercial households and flexible employees participate in the basic old-age insurance. The payment base is the average salary of local employees in the previous year, and the payment ratio is 20%, of which 8% is credited to personal accounts. After retirement, the basic pension is calculated and paid according to the basic pension plan for enterprise employees. The minimum payment period of old-age insurance is 180 months, that is, 15 years, and medical insurance needs to pay at least 25/30 years. When you reach retirement age, you can apply for pension benefits and medical reimbursement (as long as you renew your fees, you can usually). Endowment insurance is divided into commercial insurance and social insurance. If you want to buy commercial endowment insurance, please contact the business personnel of major insurance companies directly.

Social endowment insurance is a popular social insurance system in the world, which generally has the following characteristics:

It is legislated and enforced by the state, and all enterprises, units and individuals must participate. Those who meet the conditions for receiving a pension can receive a pension from the social insurance department; The sources of social endowment insurance funds are generally shared by the state, units and individuals, or by units and individuals to achieve extensive social mutual assistance; Because of its strong sociality, great influence, large number of people enjoying it for a long time and huge cost, it is necessary to set up special institutions to implement unified planning and management of modernization, specialization and socialization.

I hope the above content can help you. If in doubt, please consult a professional lawyer.

Legal basis:

According to the provisions of Article 10 of the Social Insurance Law, 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 can participate in the basic old-age insurance and pay the basic old-age insurance premium.