How to deal with self-purchased social security?

Self-purchased social security is handled as follows:

1. Understand social security policies: social security policies may be different in different regions. You need to know the local social security policies first, including the proportion of social security contributions, payment base, social security benefits, etc.

2. Choose an insurance company: Social security can be purchased through an insurance company, and you need to choose a regular insurance company. It is suggested to choose an insurance company with high credibility and good reputation to ensure the quality and service of the purchased social security;

3. Pay social insurance premium: After confirming the purchase of social insurance, you need to pay social insurance premium at the local social security agency or insurance institution. Need to provide personal identification, social security payment base and other related information;

4. Apply for a social security card: If you need to apply for a social security card when purchasing social security, you need to apply for a social security card at the local social security card service center. Social security card is one of the important vouchers for social security payment and treatment enjoyment.

The social security payment period is stipulated as follows:

1, the cumulative payment period of medical insurance (including the deemed payment period and actual payment period in this city) shall be 30 years for men and 25 years for women;

2. The social insurance plan is organized by the government, forcing a certain group to use part of its income as social insurance tax to form a social insurance fund, from which the insured can obtain fixed income and loss compensation;

3. Pay the basic old-age insurance premium 15 years and the basic medical insurance premium for 20 years in the same city. When retiring, it will be calculated according to the standard of the city where the payment is made;

4 to participate in the basic old-age insurance, individuals who have reached the statutory retirement age and accumulated contributions for fifteen years, receive the basic pension on a monthly basis.

To sum up, buying social security by yourself needs to bear all social security expenses, including the part that individuals and units should pay. At the same time, the benefits and rights of social security may also be restricted and affected.

Legal basis:

Article 12 of the Social Insurance Law of People's Republic of China (PRC)

The employing unit shall pay the basic old-age insurance premium according to the proportion of the total wages of its employees stipulated by the state, and record it in the basic old-age insurance pooling fund.

Employees shall pay the basic old-age insurance premium in accordance with the proportion of wages stipulated by the state and record it in their personal accounts.

Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employing unit and other flexible employees who have participated in the basic old-age insurance shall pay the basic old-age insurance premiums in accordance with state regulations and record them in the basic old-age insurance pooling fund and individual accounts respectively.