When should I start buying social security?

0 1 Why do you say that the earlier employees pay, the better?

We have to see the payment of social security according to the situation.

If you are friends with stable jobs, such as employees of public institutions, the sooner you pay social security, the better.

Because you enjoy more benefits in this way, and you will get more subsidies in the future.

Especially for endowment insurance and provident fund, personal pension account is like a reservoir. With more money, there will naturally be more inside.

Provident funds can now be withdrawn in one lump sum. If you have never used a pension, all the money in your retirement provident fund account is yours.

Flexible employees can choose to pay social security at the age of 35 or 45.

Flexible employees in institutions and insured persons pay social security in different ways. Employees are shared by enterprises and individuals, while flexible employees need to pay all social security fees according to grades.

Moreover, the job nature of flexible employees is unstable, which leads to many people's uncertain economic sources, and it may be difficult to pay social security in full.

Therefore, at this time, of course, we must consider the cost performance of paying social insurance.

If we only consider the pension, we think that the appropriate age for pension payment is 35 for women and 45 for men.

Because the economic situation of these two age groups is relatively stable, and from this time on, you only need to pay the minimum number of years of pension and reach the legal age stipulated by the state to enjoy pension benefits.

However, if you start to pay at the age of 35 or 45, you must insist on paying for 15 years without interruption, otherwise it will affect whether you can receive the pension normally in the future.

What's more, in order to enjoy lifelong medical insurance benefits, men must pay at least 25 years of medical insurance and women must pay at least 20 years.

Best year of social security payment for flexible employees

Then a friend said: can I just pay for the old age and not pay for medical care?

This situation is unacceptable because the two are bound together.

Therefore, from this perspective, the best payment period for flexible employees is 30 years for women and 35 years for men.

Because you pay social security from this age, you can enjoy the dual treatment of medical care and old-age care in your later years.

No matter from which angle, if you want the most cost-effective way, then you should choose this age group to pay.