Which level of social security is the most suitable for flexible employees?

No one is the most cost-effective, just according to your own economic conditions. If you have good economic conditions, you should appropriately raise the corresponding payment level. It can be increased from the previous 60% to 80%, even 100% is no problem. Of course, if the economic conditions are not good, then we can also choose the minimum payment level of 60%. After all, the minimum payment of 60% will be relatively low for individuals, and even lower than 1000 yuan in many areas. Because the average contribution index is an important condition that determines and affects our future pension.

If you raise the contribution index appropriately, your future pension will be very high. On the contrary, their pensions will be affected to some extent. But we all know that the higher the average payment index, the higher the amount you pay. So how to choose? In fact, under the premise of economic conditions, we will guarantee the minimum standard of 60% first. If you still have money, you can choose a higher standard. Then there is no problem with proper improvement, but you can change it every year, so you don't need to worry about this problem. Flexible employees generally have two grades, one is low, and the payment ratio is generally around 4%, and the other is high, and the payment ratio is generally around 8%. If economic conditions permit, it will be more cost-effective to participate in high-end products because the scope of reimbursement is higher. As for endowment insurance, it depends on personal income, because the higher the payment level, the higher the pension you can get after retirement. China's pension adopts the incentive mechanism of overpayment and overpayment for a long time. Pay more before retirement, and you will get more pension.

Legal basis:

I. Payment standard

Notice on matters related to the payment of social security fees by flexible employees in 2022

1, basic old-age insurance

Before the publication of the full-caliber average wage in 20021year in the whole province, the payment standard of old-age insurance premium will be temporarily determined according to the full-caliber average wage in the whole province in 2020, and 60%, 70%, 80%, 90%, 100%, 200% and 300% will be selected according to 3425, 3996 and 4560. Among them, 202 1 selects the lowest payment grade of 3284 yuan/month, and in 2022 1 uniformly adjusts it to 3425 yuan/month, and the payment grade can be selected independently before the first payment. 202 1 After the average wage of the whole province is announced, the payment standard of the seventh grade old-age insurance premium will be adjusted synchronously, and the difference between 1 and the payment standard will be adjusted for the current month. Please pay attention to the follow-up notice for related work matters. (See attached table for specific standards)

2. Basic medical insurance

From June to June, 2022, the payment base of basic medical insurance premium for flexible employees is 6375 yuan/month.