Is it cost-effective to pay social security for freelancing?

1, from a company to a freelancer, there is no company, so both accounts need to be paid by themselves. Therefore, in China, the individual contribution rate of freelancers is as high as 20% of social wages, which is higher than that of enterprise employees. No matter what the situation is, there is a gap in the middle, and I can make up for the social security during this period. If the national policy allows, I suggest to make it up first. It is very cost-effective to spend the old things with the current money.

2, what we can do is to pay as much as possible within a reasonable range, and pay more to get more. Compared with the unified norms of employee pension insurance, urban residents' pension insurance is a bit chaotic. There is no uniform payment standard in each city, and the difference between payment and return is very large. From the point of view of remuneration, freelancers are definitely not suitable. Receive treatment, because employees working in the unit generally pay higher wages, so the payment index is also high, but the payment wages of freelancers are not paid according to real income. But according to the local social wages, there are high, medium and low. The highest payment is the average social wage, and the lowest is even 40~60% of the average social wage.

Process of endowment insurance for flexible employees

(1) The applicant submits the required materials to the Insurance Relations Department of the Social Security Bureau, and the handling personnel will review the materials and the applicant's conditions on the spot.

(2) If conditions are sufficient, handle it in time, and print the Approval Form for Flexible Employment Personnel to Participate in the Basic Old-age Insurance (in duplicate), one for the applicant to keep, and one for the social security bureau to keep after the applicant signs and confirms.

(3) those that do not meet the requirements will not be accepted, and the reasons will be explained to the applicant.

If you don't have a job, you must pay social security yourself, which belongs to the situation stipulated in the Measures for the Administration of Social Security Payment for Flexible Employment. In judicial practice, the social security payment of flexible employees needs to be handled in accordance with relevant laws and regulations. The payment method and payment standard of social security are different from those of the work unit, but generally speaking, you need to pay social security to receive a pension.

Is it worthwhile to pay social security without a job?

It's definitely not worthwhile to pay social security without a job. Compared with the endowment insurance for urban workers, the amount of social security paid by individuals is relatively large.

Endowment insurance for flexible employees refers to an insurance policy, and some people who have no fixed job, unemployment or re-employment belong to flexible employees. In view of the old-age security of this group of people, the state has promulgated and implemented the old-age insurance policy for flexible employees. The pension insurance for flexible employees has different payment years and grades, and the collection standards are also different.

1. If the payment has expired 15 years, the monthly basic pension = basic pension+personal account pension. Among them, the basic pension = the average monthly salary of local employees in the previous year when I retired ×20%, and the personal account pension = the amount stored in the personal account/120.

2. The former employees of state-owned and collective enterprises or institutions who participated in the work before the reform of the old-age insurance system are insured according to the urban flexible employment method after the termination of labor relations, and their monthly basic pension is calculated according to the urban enterprise employee pension method.

3. Insufficient payment 15 years: If flexible employees are unwilling to continue to pay, they cannot enjoy the basic old-age insurance benefits on a monthly basis, and the accumulated amount in their personal accounts and the part allocated to the overall fund from the old-age insurance premiums paid by individuals are paid to them in one lump sum, and the old-age insurance relationship is terminated at the same time.

I hope the above content can help you. Please consult a professional lawyer if you have any other questions.

Legal basis: Article 64 of People's Republic of China (PRC) Social Insurance Law.

Social insurance funds include basic endowment insurance fund, basic medical insurance fund, industrial injury insurance fund, unemployment insurance fund and maternity insurance fund. In addition to the basic medical insurance fund and maternity insurance fund combined accounting, other social insurance funds are accounted for separately according to social insurance types. Social insurance funds implement a unified accounting system throughout the country. The social insurance fund is earmarked for special purposes, and no organization or individual may occupy or misappropriate it. The basic old-age insurance fund will gradually implement national overall planning, and other social insurance funds will gradually implement provincial overall planning. The specific time and steps shall be stipulated by the State Council.