49-year-old women pay their own social security, because of high contributions and regret can do?

Haha, this is human nature, a lot of people in their own payment of social security before, because of their own economic conditions do not have a correct may, after paying one or two years, because of social security contributions to the base of the continuous improvement, and therefore regret their own selection, which is understandable, but personal social security, once you pay in, to return the insurance is still more difficult.

You are now 49 years old, if you pay the social security of urban workers, in accordance with the freelancers to pay the social security of urban workers, generally including pension insurance, employee health insurance 2 types. The contribution base is based on the average monthly income of employees in the previous year, and you can also choose between 60% and 300% contribution levels. In accordance with most of the areas issued by the payment of the low limit, the current stage of the contribution base is also about 3500 yuan per month, even according to the 3500 yuan per month of the contribution base, the social pension insurance contribution ratio is 20%, the proportion of medical insurance contributions is 8%, need to go to the full amount of their own to pay the fees, monthly payment of the old commercial insurance is also about 700 yuan, the medical insurance must be about 280 yuan per month, every year social pension insurance and pension insurance costs a **. and pension insurance costs a *** must be close to 1,000 yuan, every year must be about 12,000 dollars.

Each year 12,000 social security costs, has been in accordance with the standard of at least 60% of the payment, because the average monthly income of employees in the middle of the region is not the same, the more economically developed areas of the region, the social pension insurance contribution base is higher, the pressure on individuals to pay the cost of heavier. According to the 60% contribution has long been a very low standard of payment. If because of the first time they do not think carefully, or the understanding of the relevant policy is not exhaustive, they pay a few years after the regret, there are several types of methods can be resolved.

One is to pay only pension insurance, medical insurance to pay urban and rural residents medical commercial insurance. According to the above example, social security contributions per year is about 8,400 yuan, about 700 yuan per month, this is a lot of places are deducted according to the month, but despite the payment of a little higher, but the future of the pension insurance will be a lot higher, for the advantages of pension insurance I will not exhaustive description. The benefits of employee health insurance are usually a very high reimbursement rate for hospitalization, usually up to 80% or more. In addition, the number of years of contributions for employee health insurance must be calculated cumulatively, so that in the future, when you retire and have completed the number of years of contributions required locally, you will not have to pay for medical insurance and will be entitled to medical insurance for the rest of your life. If you change to pay residents' health insurance, the payment norms are very low, less than 300 yuan per year, pay a year's cost than pay a month of employee health insurance cost is not much higher, although the reimbursement rate of health insurance is a little lower, and in the future there is no health insurance retirement pay, but at least it can alleviate the economic pressure at this stage. Therefore, the payment of pension insurance, cut off the payment of employee health insurance, pay the residents of the health insurance, which is also a form of saving social security contributions.

The second is to cut off the payment of pension insurance and employee medical insurance, and change to the payment of pension insurance and resident medical insurance. If you want to change to pay pension insurance and medical insurance, the necessary condition is that you have to stop paying pension insurance and medical insurance first. Pension insurance at this stage in most areas of the highest payment norms is only between 3,000 yuan and 5,000 yuan a year, even if the selection of the highest payment norms, the cost will be much less than the payment of pension insurance and medical insurance costs, at least half of the pressure of payment can be reduced. In the future, when you are doing retirement, you can measure the number of years of contributions to the pension insurance, the personal account assets can be docked into the pension insurance personal account funds, in accordance with the relevant provisions of the pension insurance to do retirement.

Third is to apply for the withdrawal of insurance. Naturally, applying for retirement insurance is not a good idea. First, the age range of the retirement insurance needs to reach the legal retirement age specified by law, that is, you have to wait until the age of 55 years old to apply for retirement insurance; second is to apply for the retirement insurance only return personal account funds, in fact, it is credited to the personal account of the 8%, accounting for only a little more than one-third of the total amount of your personal contributions. So it is not to the extent that there is no way out, generally do not have to surrender insurance.

In general, for the 49-year-old woman personally pay social security, not only pay high and regret things, mainly employees social security only gradually pay fees can not be a one-time retroactive payment, to be paid for more than 15 years, he has been 64 years old, to be 64 years old before you can do retirement. If you regret the death, you can make adjustments in accordance with the above my three-point proposal.