How many pits are there in flexible employment pension insurance?

After leaving the company, or the individual does not have a formal company at present, in order to pursue higher retirement benefits and feel safe after retirement, he can pay the endowment insurance for urban employees as a flexible employee. Before joining the insurance, he also needs to know ten pits of flexible employment and social security.

1, the annual payment amount is not fixed, and it is basically increasing every year. Most people pay according to the 60% grade. With the increase of the average wage on the job every year, the corresponding payment base is also rising. Last year, the average salary was 6,000 yuan, corresponding to the 60% grade payment base of 3,600 yuan, and the old-age insurance was paid to 720 yuan every month. This year, the average wage has risen to 6,500 yuan, corresponding to the 60% grade payment base of 3,900 yuan, and the old-age insurance is paid to 780 yuan every month.

There will be economic loss if you leave too early. The proportion of personal pension payment is 20%, of which 8% goes into personal account, and 12% goes into overall account, and the death cannot be refunded. For example, 15 paid a total of120,000, of which 48,000 died and 72,000 died as a whole.

3. Get 1 1 year after retirement. This means that you will get 14 years to return your capital after retirement, taking into account the funeral expenses and pension of your death.

4. Retirement age is later than that of employees. Professional women can retire at 50; Women with flexible employment need to be over 55 to apply for retirement.

5. Facing the problem of delayed retirement. Flexible employees pay the endowment insurance for urban workers, and 100% will gradually delay retirement during the "Tenth Five-Year Plan" period. Flexible employees, like employees, face the problem of delayed retirement.

6. Facing the increase of the minimum payment period. At present, men and women can retire at the legal retirement age after paying 15 years. Ministry of Human Resources and Social Security's 14th Five-Year Plan states in black and white that the minimum payment period should be raised, and it will certainly be raised in the next two or three years. It is impossible to retire after paying 15 years.

7. In some places, flexible employment must be provided with pension before flexible employment and medical insurance can be provided. For those who only have medical insurance needs for the time being and do not want to pay flexible employment and pension, the burden is aggravated. Flexible employment and pension pay 700 to 800 yuan a month, or even more than 1000, and flexible employment and medical insurance pay 200 to 300 yuan a month. This kind of bundling is as bad as commercial insurance.

8. Under normal circumstances, one-time payment is not allowed, and it can only be paid year by year. People in their fifties, who have never paid their employees pensions in the past, start to pay them year after year, which means they can only retire if they are over 65 or even over 70.

9. Social security subsidies for flexible employment are not easy to apply for. In view of the long-term unemployed, 4050, 4555 people, the disabled, low-income families, single-parent families with minor children and other people with employment difficulties, many places have introduced social security subsidy policies. For example, pension and medical insurance are paid 1.200 a month. If the subsidy is two thirds, the burden of payment can be greatly reduced. But when many people apply, they either fail or apply for subsidies.

10. Social security for flexible employment lacks maternity insurance benefits. In most areas, flexible employees can't pay maternity insurance when they participate in social security, and the medical insurance they pay can't reimburse the check-up fee and delivery fee. This is an embarrassing situation for women who are flexible in employment. Unless the husband has maternity insurance, he can apply for a one-time maternity allowance.