12 social security planning method

12 social security planning methods are: 1. Increase the base of individual contributions. Choose the appropriate social security insurance. Change careers 4. Take out commercial insurance. Buy commercial medical insurance, etc. However, it should be noted that the provisions of laws and regulations should be followed, and social security payment obligations cannot be evaded illegally.

Social security planning refers to avoiding or reducing the burden of social security payment through legal compliance, and ensuring the social security of oneself and family to the maximum extent. Generally, there are the following 12 methods: 1. Increase the base of individual contributions. The higher the payment base, the more social security fees will be paid, but the social security benefits will be improved accordingly. The individual contribution base can be moderately increased to increase pension income. 2. Choose the appropriate social insurance. Different social insurance coverage and treatment standards are different. You can choose the appropriate insurance according to your own needs and adjust it in time. 3. change your career. Different occupations have different social security payment standards and proportions, and the burden of social security payment can be reduced by changing occupations. 4. handle commercial insurance. Different from social security, commercial insurance has higher security standards and more flexible forms, and can be purchased moderately to make up for the lack of social security. 5. Buy commercial medical insurance. Commercial medical insurance can solve some medical expenses that cannot be covered by social security, and appropriate purchase can reduce the pressure on medical expenses. 6. Early retirement. Early retirement can avoid paying social security fees in the future, but it will also affect the collection and amount of pensions. 7. Handling maternity leave, sick leave, etc. While enjoying maternity leave, sick leave and other rights and interests, it can also reduce the time for social security payment. 8. Start a business. To start a business, you can register your own business, pay the minimum social security fee, and enjoy the support and preferential policies given by the government. 9. Reasonable tax avoidance. We can reduce the burden of social security payment through preferential tax policies stipulated by law. 10. Flexible employment. You can choose part-time and short-term jobs to pay the corresponding social security fees, but the payment standards and proportions will be different. 1 1. Buy commercial endowment insurance. Commercial endowment insurance can supplement the deficiency of social security system and obtain a certain pension through regular payment. 12. Reasonable evasion. For example, reducing income in disguise and concealing wages. However, it is necessary to observe laws and regulations and not evade social security payment obligations illegally.

What are the social security payment years? A: The specific provisions of the social security payment period may vary from region to region and implementation unit. Under normal circumstances, individual social security contributions are generally paid monthly, that is, the social security fees of the current month are paid before the end of each month. For insured units or individual industrial and commercial households, according to local regulations, the payment period may also be different. The specific payment period can be inquired by the local social security agency or relevant departments.

Social security co-ordination is carried out within the scope of legal compliance, and the burden of social security payment can be reduced in some ways. However, we should pay attention to abide by laws and regulations, and we should not evade social security payment obligations illegally, so as not to cause adverse consequences.

Legal basis:

People's Republic of China (PRC) Social Insurance Law Article 2 The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance to protect citizens' right to get material help from the state and society in the event of old age, illness, industrial injury, unemployment and maternity.