How does a self-employed businessman pay social security? What are the precautions? Hurry up to collect

Recently, Anhui Province issued a report on the province's individual industrial and commercial households to carry out pension insurance, the report pointed out that: due to the continuous development of the economy, the average per capita income of individual industrial and commercial households is higher than the average income of enterprises and institutions, but they also have the same pension problems when they bear the business risks. Which requires all levels of government as well as relevant departments to actively support the work of providing corresponding pension insurance for individual business households. Today to talk about the self-employed and pension insurance, its content is as follows:

1, what is the self-employed?

2, the composition of social insurance?

3, self-employed how to pay social security?

4, self-employed people pay social security still need to buy pension insurance?

What is a self-employed person?

The so-called self-employed refers to the individual or family property is the most business capital, in accordance with the relevant laws and regulations of the rank, and is in the law within the scope of the business activities of individual operators. Mainly has the following characteristics:

1, the main body is an individual or family, and can not be the cadres of state organs and institutions.

2, engaged in the main body must be registered according to law. That is to say, must obtain a business license is.

3, self-employed can only operate the business scope of laws and regulations.

2, the composition of social insurance?

Social insurance is mainly composed of pension insurance, unemployment insurance, work injury insurance, maternity insurance and medical insurance. It is also known as the "five insurance". Among them, pension insurance is the insurance that provides pension after retirement, which is able to protect the basic life after retirement.

Three, self-employed how to pay social security?

Self-employed people can only pay social security for pension insurance, medical insurance and unemployment insurance. And the birth insurance and labor insurance can not be processed. There are two ways to do this:

1, in the name of the individual. You need to do this in your hukou location, and the standard of payment is between 60% and 300% of the local average salary.

2, through the way to pay the company. The company to pay, the cost of all by their own, but can buy one of the maternity insurance and industrial injury insurance.

Four, self-employed social security to buy pension insurance?

Self-employed people who have paid social security is required and necessary to buy pension insurance. Social security is a national welfare, the purpose is to protect every citizen in the old age retirement have a pension, but the social pension is always limited, can only guarantee the most basic life, and if you want to get more pension to improve the quality of life, then you need to be extra for their own configuration of the pension insurance. Commercial pension insurance is an important part of the social security system, for China's old-age security has made great contributions, so it is completely feasible to buy commercial pension insurance. Commercial annuity insurance is the most important type of commercial pension insurance, annuity insurance refers to the policyholder or the insured person in accordance with the agreement to pay premiums to the insurance company, the insurance company in accordance with the provisions of the contract to the insured person to pay the insurance premiums. It is a kind of commercial insurance, which exists in the form of insurance contract. It mainly has the advantages of flexible payment and pension methods, a guaranteed benefit period and a universal account. It can be categorized according to different needs: traditional pension insurance, participating pension insurance and investment-linked insurance. Generally speaking, traditional and participating pension insurance are suitable for people who are more conservative and not willing to take too much risk. Investment-linked insurance is suitable for people who are more aggressive.

V. Summary

Self-employed is an important way of existence in our national economy, which itself needs to bear the risk of having a business. In this case, the pension problem becomes more important, if there is no configuration of pension insurance, but the business state is not good, then life will be more difficult. Therefore, the self-employed configuration of pension insurance is necessary, while the commercial pension should also be considered, while the business situation is good, more for their own configuration. Only a combination of social insurance and commercial pension can better protect the retirement life! If you are still confused now do not know how to buy insurance, you can go to a professional, excellent insurance broker to consult. Because professional insurance brokers will be a full range of assessment, according to your questions and needs tailored to the program, Baojun - has a professional and strong team of advisers, to match you with the most suitable for your exclusive adviser, on Baidu search "Baojun" to provide you with a more professional adviser.