How do individual residents without units pay social security?

Social insurance concerns everyone's interests. Recently, many fans are thinking about how to pay social insurance for individuals who have no workplace.

First of all, individuals without a company can also pay social insurance, and they can participate in social insurance for employees as flexible employees, and the other is social insurance for urban and rural residents.

First, as flexible employees, they can only pay pension insurance, medical insurance and unemployment insurance. Generally, it cannot be paid separately. It must be paid at the place where the household registration is located, and you can participate in social insurance at the talent service center or employment service center.

To participate in social insurance for employees, the fees are high. The general charging base is the average salary of local employees in the previous year, and the charging ratio is 20%. In many places, flexible employees can choose the payment base between 60% and 300% of the average monthly salary of local employees in the previous year.

As a flexible employee, the cost of participating in employee social insurance is relatively high, which is suitable for high-income people. Moreover, under the same cost base, after retirement, they get the same pension benefits as the employees in the enterprise.

Category II social insurance for urban and rural residents, including endowment insurance for urban and rural residents and medical insurance for urban and rural residents, can be paid separately.

Participate in the old-age insurance for urban and rural residents, who have reached the age of 16 (excluding students at school) and have not participated in the social insurance for employees, and can participate in the old-age insurance for urban and rural residents at the place where they are registered.

The endowment insurance for urban and rural residents is paid annually, and the payment is divided into multiple grades, which is flexible and changeable, and can be selected according to their own economic ability. You can only pay 100 a year, and you can pay several thousand yuan a year.

The cost of endowment insurance for urban and rural residents is low, but correspondingly, the level of pension they will receive in the future is also low. In addition, there are government subsidies for old-age insurance for urban and rural residents. The higher the cost level, the higher the government subsidy and the higher the cost performance ratio.

Therefore, when one's own economic capacity permits, social insurance for employees is given priority. At present, the average pension of enterprise employees exceeds 2,000 yuan, followed by the senior payment of endowment insurance for urban and rural residents. After retirement, a person can get more money and have a safer life.