What are the benefits of paying social security according to the highest grade?

The benefits of paying social insurance according to the highest level are as follows:

First, the government subsidizes more. If you pay the 200 yuan Municipal Government to subsidize 40 yuan, the government subsidy will increase at each level 10 yuan. If the top grade of 5,000 yuan is selected, the government subsidy is 180 yuan. Therefore, the higher the payment level, the more government subsidies. If your own conditions permit, you'd better choose the highest grade.

Second, there will be more pensions. Pension is divided into two parts, one is basic pension and the other is personal account pension. The basic pension is stipulated by the government, so the elderly receive the same basic pension. Personal account pension is different from basic pension. Personal account pension is equal to the total storage amount of personal account divided by 139. The more you give, the more you get in the end.

Third, you can get more benefits. As many friends know, deposit with the bank can earn interest. In fact, paying endowment insurance can also earn interest, which is higher than that of banks. Therefore, you can earn more interest by choosing the highest grade pension insurance.

If the family's economic conditions permit, it is a very good choice to choose the highest grade pension insurance payment. When people reach a certain age, they will lose a certain amount of labor, and the elderly can't find suitable jobs. Although the living expenses of the elderly are not too high every month, it is a good thing to have a certain amount of savings every month. After paying the old-age insurance, they can have enough savings, which can not only satisfy their own lives, but also reduce the pressure on their children.

Fourth, the highest-grade endowment insurance can be adjusted halfway. Friends who know about old-age insurance know that after urban and rural residents choose the grade of old-age insurance this year, they can't make adjustments. For example, in the first month, I paid the lowest grade of old-age insurance, and in the second month, I wanted to pay a higher grade of old-age insurance, which was no good.

Social security payment:

Social security payment refers to the act of participating in various social security insurances and paying premiums. Generally refers to the payment of social endowment insurance, medical insurance, unemployment insurance, work injury insurance and maternity insurance. Social security payment is divided into two parts: unit payment part and individual payment part.

Basic introduction:

Social security payment refers to the act of participating in various social security insurances and paying premiums. Generally refers to the payment of social endowment insurance, medical insurance, unemployment insurance, work injury insurance and maternity insurance.

Social security foundation:

The social security payment base generally refers to the salary of the current month. The social security payment base is 60%-300% of the average social wage. For example, the average social wage 1000 yuan, and the payment base can be 600 yuan-3,000 yuan.

To sum up, if you choose to pay the highest grade pension insurance from the beginning, if you don't have enough funds to pay the highest grade pension insurance halfway, you can shift gears. Old-age insurance is replaced once a year, but the highest-grade old-age insurance can be replaced halfway.

Legal basis:

People's Republic of China (PRC) social insurance law

Article 12

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.

Article 15

The basic pension consists of overall pension and individual account pension.

The basic pension is determined according to factors such as individual cumulative payment years, payment wages, average salary of local employees, personal account amount, average life expectancy of urban population, etc.