Social security how to pay more cost-effective, only a serious understanding of the rules for calculating pensions will understand?

China's current urban workers social security important payment of social security goals, divided into urban areas in the workforce and freelancers two parts, as urban in the workforce, social security how to pay, I do not have any right to decide, but also not much right to speak, must be implemented in accordance with the relevant provisions of the social security law. Especially after the social security contributions by the tax authorities, these attempts to pay less social security costs enterprises have no gap to drill, part of the enterprise payment only in accordance with the unit workers' payroll, I only according to my actual monthly income for the contribution base, which is also mandatory. Then as a unit of workers, it must be the larger the salary, the larger the contribution base, the longer the number of years of contributions to the people more and more favorable.

But for freelancers, before the payment of social security, there is no doubt that you need to master the current policy of the local social security institutions to pay the fee, understand every aspect of the knowledge of social security, and then combined with their own specific situation to carry out the selection of the heart to select the level of payment in line with their own age and economic level corresponding to the level of payment, I think it is more appropriate. At the time of the current year's payment in July and June of each year, the social security agencies of each province need to release the upper and lower limits of the social security contribution base. The meaning of this limit, are in accordance with the local social security institutions issued by the full-caliber statistics of the previous year's average monthly income of employees as a standard reference, in accordance with the base point of the three times the payment is the payment limit, in fact, is usually people say in accordance with the 300% to pay, payment of the lower limit, are standardized in accordance with the base point of the 60% of the base for the payment of the base. The upper and lower limits, reflecting the social security payment standard of the high limit of the insurance low, the maximum shall not exceed the limit of the payment norms, the minimum shall not be lower than the low limit of the payment norms.

Because the upper limit of social security contributions and the minimum value of the middle of the five times, theoretically speaking, the larger the payment norms, the higher the pension insurance benefits obtained by everyone in the future, but due to the rules for the calculation of pension insurance, both to highlight the fairness and justice, in fact, is the whole population *** enjoy the fruits of socio-economic development provisions, but also to reflect the encouraging nature of incentives, incentives to pay more contributions, the long term, both focus on fairness Justice, but also should be both efficient. In the calculation of the basic pension standard, unified in accordance with the coordinated area issued by the average monthly income of employees in the previous year to make the number of old-age pensions, the standard as long as you are in the same social security coordinated area, in the same year to do the retirement, the standard is absolutely uniform, for example, after the retirement of the previous year's average monthly income of employees is 8,000 yuan, then so that no matter whether you are in accordance with the 60% contributions or in accordance with the 300% of the contributions, all the use of the monthly amount of 8,000 yuan for the calculation of old-age pensions, which is to show the fairness and justice.

But only talk about fairness and justice and do not pay attention to the high efficiency is also unfair, but in order to have a role in promoting, but also in the previous year under the premise of the employee's monthly salary plus the average contribution index salary of the individual in previous years, so that the average contribution index salary of the high people, measured every year of contributions to the pension will be higher than the average contribution index salary of the people who are low, and also according to the contribution index of every year of contributions to send to 1% of the pension. The first is to send 1% of the pension, so each additional year of contribution, will also increase the pension by 1%, the long years of contribution than the short years of contribution people account for certain advantages, so also incentivize what the contribution base is very high, the long years of contribution to the staff.

Based on the pension insurance calculation rules of the narrative, so we choose to contribute to the base, if it is by the flexibility of the staff to pay their own contributions, because they need to pay the full amount of the contribution, that is, more than on-the-job workers need to pressure the cost of social security contributions to 12% of the cost of the fees, in accordance with the 60% and 300% of the contribution to the comparison, in fact, it is more than 5 times the amount of the contribution to pay, but the pension insurance benefits obtained because Calculation of the base of the average monthly income of employees in the previous year is the same, so it is likely that the pension insurance is only higher than 3 times or so, can not reach 5 times the benefit of the ratio, theoretically speaking, freelancers pay pension insurance, according to the norms of 60% of the contribution is more worthwhile.

Overall, as a unit of workers, according to their actual income to pay the fee is undoubtedly more appropriate, but for freelancers, according to 60% of the fee is more worthwhile, which is also based on the basic pension in the pension pension calculation standard analysis of the point of view. However, if the economic level of the more powerful capital staff, have according to 300% of the level of contributions to pay insurance, that will get a higher pension insurance benefits I think it is worth it.