Is it related to personal files for freelancers to apply for endowment insurance?

First, the pension insurance for freelancers has nothing to do with personal files, because personal pension insurance does not need personal files.

Second, for the object:

Unemployed persons in urban enterprises (including bankrupt, disintegrated and closed enterprises) who did not participate in the basic old-age insurance; Individual industrial and commercial households and employees with local hukou (including rural hukou); Individual transport owners and their employees with local hukou (including rural hukou) and operation license.

Workers who terminate their labor (employment) relationship with government agencies and institutions; Part-time staff; All kinds of flexible employees with urban hukou in this city; The insured whose insured unit is bankrupt, dissolved or closed; Unemployed demobilized soldiers.

Three, individual pension insurance payment can be monthly, quarterly, annual delivery, can also be a one-time payment at the time of insurance, the monthly insurance premium of each insured shall not be lower than that of 20 yuan, the annual insurance premium shall not be lower than that of 200 yuan. The age of starting to receive pensions is 50, 55, 60 and 65 respectively, and the insured can choose the grade that they think is most suitable.

The insured has paid the insurance premium for two years. If it is urgent, he can apply for a loan from the insurance company with the certificate. The loan amount shall not exceed 70% of the cash value of the insurance policy and the loan period shall not exceed 7 months. The principal and interest of the loan shall be repaid at the maturity of the loan. If the loan is not repaid within the time limit, the insurance effect will be terminated when the loan principal and interest reach the surrender amount.

Four, personal files have six functions: one is to retain the identity of the original cadres; Second, personal files are needed when handling job transfer; Third, to take the civil service recruitment examination, you need files to determine your identity; Fourth, when handling individual retirement procedures, you should check the file records; Fifth, the reference of professional title promotion; Sixth, going abroad for political examination and notarization requires consulting personal files.

Extended data

Standards for enterprises and individuals to pay endowment insurance premiums:

Based on my average salary last year, enterprises pay 20% and individuals pay 8%.

Payment base: (actually, it is the average monthly salary)

If the average monthly salary of the insured is lower than the minimum wage standard of employees in this Municipality in the previous year, the basic old-age insurance premium will be paid based on the minimum wage standard of employees in this Municipality in the previous year.

The part where the average monthly salary of the insured exceeds 300% of the average monthly salary of employees in this Municipality in the previous year will not pay the basic old-age insurance premium, nor will it be used as the base for calculating the basic old-age pension.

If the insured person is unable to determine the average monthly salary of the previous year, the basic old-age insurance premium shall be paid according to the average monthly salary of the employees in this Municipality in the previous year. (unemployed new recruits and re-employed personnel shall pay the old-age insurance premium according to the prescribed proportion with their first month's salary in the enterprise as the salary base of the year; The salary base of the second year is determined by the average monthly salary of the actual salary of the previous year)

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