Individuals pay social pension insurance how to pay the most cost-effective

Legal analysis: flexible employment, you can participate in the pension insurance through their own contributions, but you need to bear all the pension insurance premiums. But pension insurance premiums rise every year, the burden is not light, how to save more money?

One: seize the realization of formal employment, by the employer to pay social insurance.

The employer to pay the social insurance is often social security five insurance, including the basic medical insurance, maternity insurance, unemployment insurance, industrial accident insurance. But the employee himself only need to bear the personal burden part, for example, pension insurance only need to bear 8% of the contribution base, flexible employment personnel contribution is generally 20% of the rate.

Working in a unit, at least there is a unit of protection, even if the employee is unemployed, you can receive unemployment benefits in accordance with the provisions.

Two: social insurance subsidies.

For those who have difficulty in finding employment, the state will give them a certain amount of social insurance subsidies to help them realize employment or reduce their burden of participation in insurance.

People with employment difficulties mainly refer to people with disabilities, older people (mainly 4050 people) or long-term unemployed, urban zero-employment family members, low-income family members, single-parent family labor and so on.

People with employment difficulties should first go to the local human resources department to be recognized. Then the employer will be able to recruit the person with employment difficulties to enjoy the corresponding social security subsidies. The subsidy standard is generally equivalent to the employer's share of social insurance, but the maximum subsidy standard is generally not more than 100% of the contributions. If a person participates in the social insurance paid by a flexibly employed person, the amount of subsidy is generally equivalent to half to 66% of the portion borne by the person himself/herself. The standard varies from place to place, and generally does not exceed 100% of the base.

Legal basis: The Social Insurance Law of the People's Republic of China

Article 2 The State establishes a social insurance system covering basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance, maternity insurance and other social insurance systems to safeguard the right of citizens to receive material assistance from the State and society in accordance with the law in the event of old age, sickness, industrial injury, unemployment or maternity.

Article 3 The social insurance system adheres to the policy of broad coverage, basic protection, multi-level and sustainability, and the level of social insurance shall be commensurate with the level of economic and social development.

Article 4 Employers and individuals within the territory of the People's Republic of China*** and the State of China pay social insurance premiums in accordance with the law, and have the right to inquire about the records of payment of premiums and records of the rights and interests of individuals, as well as to demand that the social insurance administration agencies provide social insurance counseling and other related services.

Individuals enjoy social insurance benefits in accordance with the law, and have the right to supervise the payment of contributions for them by their own units.