Is it cost-effective to pay social security for freelancing?

Freelance paying social security is cost-effective. Freelancers can pay social security according to law as flexible employees, which can guarantee them to get certain material help in the case of old age, illness, work injury, unemployment and maternity.

1. Is it cost-effective to pay social security without a job?

It's definitely not worthwhile to pay social security without a job. Compared with the endowment insurance for urban workers, the amount of social security paid by individuals is relatively large.

Endowment insurance for flexible employees refers to an insurance policy, and some people who have no fixed job, unemployment or re-employment belong to flexible employees. In view of the old-age security of this group of people, the state has promulgated and implemented the old-age insurance policy for flexible employees. The pension insurance for flexible employees has different payment years and grades, and the collection standards are also different.

1。 Where the payment has reached 15, the monthly basic pension = basic pension+personal account pension. Among them, the basic pension = the average monthly salary of local employees in the previous year when I retired ×20%, and the personal account pension = the amount stored in the personal account/120.

2。 Before the reform of the old-age insurance system, local employees of former state-owned and collective enterprises or institutions who participated in the work were insured according to the method of flexible employment in cities and towns after the termination of labor relations, and their monthly basic pension after retirement was calculated according to the method of pension for employees in urban enterprises.

3。 Insufficient payment 15 years: if the flexible employees are unwilling to continue to pay, they cannot enjoy the basic pension benefits on a monthly basis, and the accumulated amount in their personal accounts and the part allocated to the overall fund from the pension insurance premiums paid by individuals will be paid to them in one lump sum, and the pension insurance relationship will be terminated.

Two, flexible employment for old-age insurance procedures

(1) The applicant submits the required materials to the Insurance Relations Department of the Social Security Bureau, and the handling personnel will review the materials and the applicant's conditions on the spot.

(2) If conditions are sufficient, handle it in time, and print the Approval Form for Flexible Employment Personnel to Participate in the Basic Old-age Insurance (in duplicate), one for the applicant to keep, and one for the social security bureau to keep after the applicant signs and confirms.

(3) those that do not meet the requirements will not be accepted, and the reasons will be explained to the applicant.

If you don't have a job, you must pay social security yourself, which belongs to the situation stipulated in the Measures for the Administration of Social Security Payment for Flexible Employment. In judicial practice, the social security payment of flexible employees needs to be handled in accordance with relevant laws and regulations. The payment method and payment standard of social security are different from those of the work unit, but generally speaking, you need to pay social security to receive a pension.

I hope the above content can help you. Please consult a professional lawyer if you have any other questions.

Legal basis: Article 2 of People's Republic of China (PRC) Social Insurance Law.

The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to receive material assistance from the state and society in accordance with the law when they are old, sick, injured, unemployed and have children.

Article 58 of People's Republic of China (PRC) Social Insurance Law

Employees-free individual industrial and commercial households who voluntarily participate in social insurance, part-time employees who do not participate in social insurance in the employing unit and other flexible employees shall apply to the social insurance agency for social insurance registration.

The state establishes a national unified personal social security number. Personal social security number is a citizen's identity number.