How old is the best time to start buying social security?

Insurance Bian Xiao helps you answer, and more questions can be answered online.

Of course, it is more cost-effective to buy social security as a freelancer until you are 40 (40, not 45! Female retires at the age of 55, and pays 15 at the age of 40). But the problem is that without social security, employees can't buy medical insurance (only urban residents can buy medical insurance, and the proportion and amount of reimbursement for this kind of medical insurance are greatly limited). You need to weigh and decide for yourself. Now you can buy commercial insurance, which is more cost-effective-you can consider appropriate medical care first (especially for ordinary hospitalization and major diseases), and it is better to buy some pension annuities with guaranteed collection function if you have spare money. Finally, the overall insurance expenditure is suggested to be around 10% of the annual income.

Social security consultation can go to the local neighborhood Committee, and the authoritative point is of course the municipal and county labor and social security departments.