Which of the six grades of social security contributions is better? Is there an upper limit for social security contributions?

When it comes to social security, everyone is no stranger. After all, it is often said that it is very comfortable to have a good old age after paying social security. Then, do you know the specific payment grades of social security? How can I choose to retire more comfortably? Learn about it with me. Which of the six social security payment grades is better? Is there an upper limit for social security contributions?

First, which of the six grades of social security contributions is better?

The payment base of social security generally includes the lowest 40%, the first 60%, the second 80%, the third 100% and the highest 300%. The specific payment grade is related to personal occupation and income.

The payment base of urban workers is mainly divided into three grades, which are 60%, 100% and 300% respectively. Someone asked why the maximum payment base can only reach 300%. In fact, it is mainly to limit the situation that the pension gap is too large, which means that the maximum can only be three times the average social wage.

Take Beijing as an example. The lowest price paid by the company is 36 13 yuan, and the highest price is 23,565 yuan. The middle price is filled in according to your salary. Another example is the central city of Wuhan. The minimum social security payment is 3739.8 yuan, and the maximum is 18699 yuan. The economic level of each city is different, and the base of social security contributions is different, but the proportion of social security contributions is roughly the same nationwide.

Second, is there an upper limit for social security contributions?

Social insurance base, referred to as social insurance base, refers to the social insurance payment base of employees in a social security year. It is determined according to the average monthly wage income of employees from June 1 day to February 1 day in the previous year. The social insurance payment base is an important basis for calculating the social insurance premiums and social insurance benefits paid by employers and their employees. There are upper and lower limits, depending on the actual situation in each region.

There are upper and lower limits on the base of social insurance payment, and the minimum can not be lower than 60% of the average monthly salary of employees in the city last year; The maximum can not be higher than 300% of the average monthly salary of employees in the city last year. The average wage of employees in this Municipality is published annually by the Municipal Bureau of Statistics.

The upper limit of the payment base means that the salary base does not exceed 300% of the monthly arithmetic average salary of employees in provinces and cities in the previous year; The Municipal Bureau of Statistics publishes the average wage of employees in the city every year.

The lower limit of the payment base means that the wage income of employees is lower than 60% of the monthly arithmetic average wage of employees (private enterprise employees and individual industrial and commercial households) in various provinces and cities in the previous year, and the business households and employees with non-urban household registration are not less than 50%; The legal person, shareholders and individual operators of private enterprises shall not be less than 100%), and shall be 60% of the arithmetic average. The average monthly salary of employees in various provinces and cities in the past years is the base of payment.

Third, can social security be abandoned halfway?

The endowment insurance in social security is cumulative, so the interruption has no big impact, but the payment period of medical insurance interruption for 3 months may be cleared, so it is best not to break off the relationship for more than 3 months. If the breakup is only one month, you can choose to continue directly or make up. If so, the processing method is as follows:

1, handle it by yourself: go to the local social security bureau to explain the claim, and then help pay it back with the help of the staff. If the breakup is caused by your resignation, it may be irreparable. This should be asked clearly;

2. Company handling: companies that interrupt social security services can help pay back. You can contact the original company to help make it up, or ask the personnel if you can help make it up after you arrive at the new company.

Social security is still very important, so we should carefully choose which grade to pay.