In 2022, Beijing's social security contribution base will increase, and will the contributions of flexible employees also increase?

According to public information, at present, many regions have issued notices on the upper and lower limits of the social security wage base in 2022. What specific impact does the increase in the social security payment base have on individuals?

First of all, for employees in enterprises and institutions, the improvement of social security payment base means the improvement of welfare benefits. After all, most of the expenses of social security payment for employees are borne by enterprises, which bear about 38% of the expenses of the payment base, while individuals only bear about 10% of the expenses of the payment base.

Secondly, for flexible employees, it is not necessarily a happy thing to increase the base of social security contributions, because flexible employees participate in social insurance, and both units and individuals are borne by flexible employees. Generally speaking, the proportion of pension insurance payment is 20%, and the proportion of medical insurance payment is 8%.

In other words, as a flexible employee, participating in social insurance, just a medical insurance, has reached the cost borne by employees in the enterprise. Therefore, for many flexible employees, participating in social insurance is also a test of personal economic endurance.

According to the document [2022] No.30 issued by Ren Jing Social Security Bureau, since July 2022, the monthly social security payment base in Beijing is limited to 3 1.884 yuan, and the lower limit is 5869 yuan.

Compared with 202 1, the upper limit of monthly social security payment base is 2822 1 yuan, which is 3663 yuan higher.

Compared with 202 1, the lower limit of monthly social security payment base is 5644 yuan, which is 205 yuan higher.

It is worth noting that the document stipulates that flexible employees in Beijing can also participate in unemployment insurance, of which the unemployment insurance contribution ratio is 1%, which means that compared with on-the-job employees, 0.8% of the unit contribution ratio and 0.2% of the individual contribution ratio are all borne by individuals.

Among them, the document stipulates that if individuals who participate in endowment insurance as flexible employees participate in social insurance according to the maximum payment base, the monthly payment of endowment insurance is 6376.8 yuan, the monthly payment of unemployment insurance is 3 19.84 yuan, and the monthly payment of medical insurance is 520.8 yuan, so the total monthly social insurance premium is 72 16.44 yuan.

According to the social insurance payment regulations of 202 1, flexible employees need to pay a total of 6,387.37 yuan per month to participate in social security according to the highest payment base, that is, compared with 202 1, the payment amount of this grade has increased by 829.07 yuan, with an increase of 12.98%.

If you participate in social insurance according to the minimum payment base, the monthly payment of old-age insurance is 1 173.8 yuan, the monthly payment of unemployment insurance is 58.69 yuan, and the monthly payment of medical insurance is 520.8 yuan, so the total monthly social insurance premium is 1753.29 yuan.

According to the social insurance payment regulations of 202 1, flexible employees are required to pay 1586.56 yuan per month to participate in social insurance according to the highest payment base, that is, compared with 202 1, the payment amount of this grade has increased by 166.73 yuan, with an increase of10.5/.

Up to now, Beijing's pension calculation base in 2022 has not been announced. Take Beijing's pension calculation base of 202 1 year as an example.

According to the minimum payment base of social insurance in 2022, if you pay 40 years a year and retire at the age of 60, the personal account pension will total about 225,369.6 yuan, corresponding to the monthly personal account pension of about 162 1.36 yuan.

The corresponding basic pension can receive about 3280.6 yuan per month, and the total basic pension can receive about 4904.96 yuan per month.

Although flexible employees enjoy the same retirement benefits as enterprise employees, during this period, according to the above standards, flexible employees need to pay 40 years of old-age insurance premiums year by year, totaling about 563,424 yuan.

In other words, after retirement, you need to receive a pension of about 1 15 months to get back the old-age insurance premium paid before retirement.