How to pay social security endowment insurance is more cost-effective

The key to paying social security and old-age insurance is to choose a suitable scheme according to your actual situation and ensure that the monthly payment is not lower than the minimum payment standard in order to get more pensions. In addition, some regions also provide subsidies and preferential tax policies, which can further increase the income of endowment insurance.

Endowment insurance is a social security system adopted by the state to ensure the basic livelihood of the elderly. For everyone who has paid in his working life, he will eventually get a certain pension. If you want to get a cost-effective old-age insurance, you need to pay attention to the following points: First, choose a plan that suits you. Different plans have different policies and payment standards. You should choose the plan that best meets your needs according to your own situation. You can consult professionals or refer to official website and other channels to obtain relevant information. Secondly, ensure that the monthly supply is not lower than the minimum standard. Some people tend to choose a lower contribution at the beginning of their work, but this will lead to less pension when they retire. Therefore, priority should be given to ensuring that the monthly payment amount is not lower than the minimum standard. In addition, we can also pay attention to the subsidies and preferential tax policies provided by some regions to further improve the income of endowment insurance. For example, some regions provide subsidies or free payment policies to eligible payers, and some regions provide preferential tax policies to those who pay endowment insurance.

How to get more pension after retirement? There are several ways to get more pension after retirement. First, you can delay receiving your pension, that is, the longer you delay receiving it, the higher your monthly pension will be. Second, you can choose to buy commercial pension insurance or other investment products to increase pension income. Third, if you continue to work and pay pension insurance after retirement, you can also increase the amount of pension.

In order to make social security and endowment insurance more cost-effective, you need to choose a plan that suits you and ensure that the monthly payment amount is not lower than the minimum standard. At the same time, we can also pay attention to the subsidies and preferential tax policies provided by the region. After retirement, you can also take a series of measures to get more pension income.

Legal basis:

Provisional Regulations on the Collection and Payment of Social Insurance Premiums Article 2 These Regulations apply to the collection and payment of basic old-age insurance premiums, basic medical insurance premiums and unemployment insurance premiums (hereinafter referred to as social insurance premiums). The units and payers mentioned in these Regulations refer to the units and individuals that should pay social insurance premiums in accordance with relevant laws, administrative regulations and the provisions of the State Council. Article 3 The collection scope of basic old-age insurance premiums: state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and their employees, and institutions and their employees that implement enterprise management. The collection scope of basic medical insurance premium: state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and their employees, state organs and their employees, institutions and their employees, private non-enterprise units and their employees, social organizations and their full-time employees. The collection scope of unemployment insurance premium: state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and their employees, institutions and their employees. The people's governments of provinces, autonomous regions and municipalities directly under the Central Government may, according to local actual conditions, stipulate that urban individual industrial and commercial households should be included in the basic old-age insurance and basic medical insurance coverage, and social organizations and their full-time staff, private non-enterprise units and their employees, and urban individual industrial and commercial households with employees and their employees should be included in the scope of unemployment insurance.