After the age of 35, how to pay social security is more cost-effective.

There are two ways to buy social security. One is that employers pay social security for urban workers; Second, individual residents pay social security for urban residents.

The premium paid by social security for urban workers shall be shared by the company and the workers. Among them, the pension insurance unit pays 20% and the individual pays 8%; Medical insurance unit pays 10%, individual pays 2% plus serious illness 10 yuan; Unemployment insurance units pay 2%, and individuals pay1%; Industrial injury insurance and maternity insurance are paid by the company at 0.5% and 0.8% respectively, and individuals do not need to pay.

Social security for urban residents is subject to payment conditions and must be paid by local residents, and only three of the five insurances can be paid, namely, pension, medical care and unemployment insurance. Can not pay work-related injury insurance and maternity insurance, can not enjoy their treatment. According to the prescribed payment base (local differences), it is paid according to a certain proportion, and local regulations are different. Endowment insurance is generally paid at the rate of 18-28%, and medical insurance is generally paid at the rate of 6- 10% of the local average social wage level in the previous year.

But when it comes to the most cost-effective way, if there is a work unit, it is of course social security for urban workers. The unit bears most of the premium, with complete insurance and good treatment. Of course, if you are a freelancer, you can only buy social security for residents.