What kind of experience is it for individuals to pay social security?

There are two ways to pay social security, one is for flexible employees, and the other is for residents. These two ways include pension and medical insurance.

First of all, let me talk about social security for flexible employees. The payment standards in different cities are not uniform. The higher the average social wage, the more money you pay. The payment grade of general endowment insurance is free to choose between 60% and 300%. One year later, the minimum level of 60% is basically around 1000 yuan, and the medical insurance for flexible employees is about 5,000 yuan a year.

However, after a certain number of years of medical insurance payment, you can enjoy lifelong medical insurance benefits, and the proportion of comprehensive reimbursement for hospitalization in the future can reach more than 50%. Therefore, if social security is paid according to flexible employees, the total cost of pension plus medical care for one year is at least 1000 yuan.

The second way to pay social security by yourself is resident social security. Residents' social security is relatively cheap, the minimum is less than 1000 yuan a year, and residents' medical insurance is paid once a year, which is only about 400 yuan. However, residents' medical insurance cannot enjoy lifelong medical insurance treatment, that is, they must continue to pay medical insurance money every year after retirement.

The third payment method is that two social security companies are partners. Old-age insurance pays employees' pensions according to flexible employment, and medical insurance pays residents' medical insurance, so that the overall cost can be saved by three or four thousand yuan each year.

Endowment insurance and medical insurance paid by employees shall be paid by the unit according to a certain payment base and proportion. General units are responsible for paying 20% of endowment insurance and 8% of medical insurance, while individuals need to bear 8% of endowment insurance and 2% of medical insurance expenses.

If you pay social security as an individual, then the individual pays 20% pension insurance and 5% medical insurance according to the payment base.

It should be noted that the pension insurance must be paid for at least 15 years, and the pension can only be received after retirement; Medical insurance also needs to pay a certain number of years, such as 20 years and 25 years (in different places), in order to enjoy the treatment.