How to apply for insurance for flexible employees?

According to the Opinions of the General Office of the State Council on Supporting Multi-channel Flexible Employment (Guo Ban Fa [2020] No.27), flexible employees include self-employed, part-time and new forms of employment, so how can flexible employees participate in insurance? Is it troublesome to insure?

How do flexible employees participate in insurance?

In fact, it is very simple for flexible employees to participate in insurance. There are two systems to choose from:

First, you can choose to participate in the basic old-age insurance for enterprise employees as an individual.

This is also the insurance method chosen by most flexible employees. The policy stipulates that individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employer and other flexible employees can voluntarily choose to participate in the basic old-age insurance for enterprise employees according to their own conditions. The payment is borne by the individual, and a suitable payment base can be selected between 60% and 300% of the average salary of employees in full-caliber urban units in this province. The payment ratio is 20%, which can be paid monthly, quarterly, semi-annually or annually.

The second type: you can choose to participate in the endowment insurance for urban and rural residents.

According to the policy, 16 years old (excluding students at school), staff of non-state organs and institutions and urban and rural residents who are not covered by the basic old-age insurance system for employees can participate in the old-age insurance for urban and rural residents at the place where they are registered. Payment by grade varies from place to place every year. Individuals can choose the appropriate payment grade according to their actual situation, pay more and get more for a long time. It doesn't matter if you choose a lower payment grade temporarily. The payment grade of the current year can be changed before the annual payment. The specific standard is based on the amount announced by the local community department.

Is it troublesome to insure?

Don't bother, you can take my ID card (residence permit) or social security card and other related information to the local social security agency for insurance procedures.

You can also easily apply for insurance registration through online service channels such as the national social insurance public service platform, electronic social security card APP, small programs, and websites of local human resources and social security departments.

Moreover, people with employment difficulties and college graduates who have not been employed within two years after leaving school can also apply for social security subsidies. The specific standard is to give a certain subsidy according to the social insurance premium paid after flexible employment, which in principle does not exceed 2/3 of the actual payment.

The procedure for receiving the allowance is equally simple. Flexible employees to participate in the basic old-age insurance for enterprise employees, men over 60 years of age, women over 55 years of age; Persons who participate in the old-age insurance for urban and rural residents, regardless of gender, can receive retirement benefits at the social security service window or through online channels such as mobile APP with their personal identity documents when they reach the age of 60, and receive basic pensions on a monthly basis.

Note that some flexible employees, in order to save trouble and prevent the interruption of social security, spend money to find institutions to pay social security, beware of money and power!