How do housewives buy social security?

Housewives can choose freelancers (flexible employees) to pay social basic old-age insurance or social basic old-age insurance for urban and rural residents according to law.

The state directly gives 8% preferential treatment to freelancers, which is paid at 20% of the average social wage of urban workers, 8% is paid into personal account, and 12% is paid into social pooling fund account.

Pay the fee from July to 65438+February every year, and issue a large tax bill as a voucher for retirement to enjoy the old-age insurance benefits. Even if the old-age insurance is paid separately, it also includes unemployment insurance and work-related injury insurance, and it is indicated on the tax-paid bill.

After paying endowment insurance, you can also pay medical insurance, including maternity insurance and serious illness insurance. Commonly known as the "two major risks" paid by freelancers, it actually includes the "six major risks" of social insurance.

The endowment insurance of affiliated companies and flexible employees is employee endowment insurance. If in a co-ordination area, the gender is the same, the payment period is the same, the amount credited to the personal account is the same, and the retirement year is the same. Whether flexible employees retire or unit employees only retire, the monthly pension determined at retirement is the same.

The difference is that you retire as a flexible employee at the age of 55, and ordinary female employees in enterprises retire at the age of 50. Different from enjoying state subsidies, flexible employees can enjoy subsidies such as "4050" when they join the insurance, but they can't enjoy it when they enter the enterprise.