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Conditions for paying social security for flexible employees
To apply for social insurance subsidies for flexible employees, I have to hold the relevant documents to prove the flexible employment status to the street (township) labor and social security service center where the household registration is located to identify flexible employment, fill in the flexible employment registration form, register employment after being identified by the street (township) labor and social security service center, and record the relevant information about flexible employment on the unemployment certificate.
Eligible unemployed people who apply for social insurance subsidies should apply to the street (township) labor security service center where their household registration is located, and provide the following materials: (1) their unemployment certificate and identity card; (2) Social insurance premiums paid by individuals; (three) the family income certificate issued by the community neighborhood committee; (four) do not enjoy the unemployed in unemployment insurance benefits, to provide the original insured units withholding personal payment vouchers or their insurance certificates.
Employment assistance recipients also need to provide the following materials: (1) Family members with "zero employment" should show relevant certificates issued by district and county labor security service centers; (2) Single-parent family members whose children have not reached the legal age for employment hold household registration books and relevant certificates issued by community neighborhood committees; (three) family members who enjoy the urban minimum living allowance shall enjoy the minimum living allowance certificate provided by the civil affairs department.
Enjoy social insurance subsidies should be entrusted by the municipal social security agencies, district and county public employment agencies to declare and pay pension insurance, serious illness medical insurance and unemployment insurance. Social insurance subsidies for flexible employment of unemployed persons shall be enjoyed from the month when they are found to meet the conditions of social insurance subsidies. First, the applicant will pay in advance, and after the district and county unemployment insurance management departments review the payment vouchers, they will be subsidized to me quarterly.
Those who have obtained industrial and commercial business licenses to engage in individual business, are employed by employers (including public welfare companies and labor dispatch agencies that enjoy preferential policies for re-employment) and sign labor contracts, and achieve stable employment through other means, and their labor remuneration is higher than the minimum wage standard in this Municipality, do not belong to the category of flexible employment, and this policy is not applicable. Flexible employees who have enjoyed preferential policies for re-employment will no longer enjoy the social insurance subsidy policy for flexible employment of older unemployed people. The social insurance subsidy policy for the elderly unemployed can only be enjoyed once. Unemployed people who are receiving unemployment insurance benefits will stop paying unemployment insurance benefits from the month when they apply for employment registration and enjoy social insurance subsidies, and their unpaid years will be retained. Flexible employees who enjoy social insurance subsidies can continue to apply for unemployment insurance benefits if they meet the prescribed conditions after unemployment. The base of social security contributions for flexible employees in the country is basically determined, and the proportion of contributions is generally lowered. In this regard, the following will list the proportion of social security contributions in several places to analyze and explain this problem.
Changsha
Flexible employees can choose three payment ratios to pay medical insurance premiums according to their own conditions:
1. The insured who has participated in the medical insurance for urban workers shall be paid at the rate of 10%. According to Changsha's latest policy, this payment ratio is reduced from 10% to 9%. Therefore, in 2009 (the whole year), the payable amount of this kind of insured personnel is1940× 60 %× 9 %×12+90 =1347.438+02 yuan. This kind of insured person has a personal account and can issue medical insurance cards.
2. Flexible employees who have never participated in medical insurance for urban workers shall be paid at the rate of 5.6%. According to Changsha's latest policy, this payment rate is lowered from 5.6% to 4.9%. Therefore, in 2009, the annual (annual) payment amount of this kind of insured personnel is: 1940× 60 %× 4.9 %× 65438.
3. Flexible employees who receive unemployment insurance pay at the rate of 4.8%. According to Changsha's latest policy, the contribution rate has been reduced from 4.8% to 4.2%. In 2009, the annual (annual) contribution of such insured persons was:1940× 60 %× 4.2 %×12+90.
Dongying
Urban individual industrial and commercial households and flexible employees are insured, and the payment base is 60%-300% of the average salary of local employees in the previous year, and the payment ratio is 8.5%. Individual account distribution and basic medical insurance benefits are the same as those of urban insured workers. At the same time, individual industrial and commercial households and flexible employees in cities and towns are exempted from paying for three months when they are insured for the first time. During the period of receiving unemployment insurance benefits, the unemployed participate in the basic medical insurance for employees, and the basic medical insurance premium that should be paid is paid from the unemployment insurance fund. Individuals do not pay the basic medical insurance premium and enjoy the basic medical insurance benefits. If the unemployed continue to pay the insurance premium within 3 months after the expiration of the unemployment insurance premium, there is no exemption period; If the insured payment exceeds 3 months, a 3-month exemption period will be implemented.
Suzhou
The basic old-age insurance for flexible employees who are insured within the scope of social insurance in Suzhou, the starting monthly payment base is 1.400 yuan, the monthly payment amount is 280 yuan, * * *18th file, the highest monthly payment base is 5700 yuan, and the monthly payment amount is 1.400 yuan; Medical insurance is still paid according to a unified standard. The monthly payment base is 1000 yuan, and the monthly payment amount is 125 yuan.
Guangzhou
Old-age insurance-the average monthly salary of employees in the province over the previous year is the base, and the old-age insurance premium is paid at the rate of 20%, and the annual salary is not reported. After participating in the basic old-age insurance, flexible employees who reach the statutory retirement age and meet the conditions for receiving the basic pension on a monthly basis should apply for receiving the basic pension two months in advance.
Medical insurance-based on the average monthly salary of employees in flexible employment units in cities and towns in this city in the previous year, each person shall pay hospitalization insurance premium at the rate of 4% per month, and pay Medicaid for major diseases according to the provisions of medical insurance in this city.
The proportion of social security contributions of flexible employees varies from place to place, and the insured can consult according to local policies. Social security for flexible employees also has its payment time. It is necessary to know social security knowledge for employees who are employed flexibly and insured. In this regard, we will talk about the payment time of social security for flexible employees in the future.
When the insured persons with flexible employment go through the retirement formalities, the payment period (including deemed payment period) must be 30 years for men and 25 years for women, and the continuous payment period of basic medical insurance should not be less than 10 years before they can enjoy the basic medical insurance benefits for retirees.
The payment period of basic old-age insurance for flexible employment insured persons (including deemed payment period and actual payment period) can be regarded as the payment period of basic medical insurance, but the continuous payment period is not calculated. Flexible employment insured persons participate in the basic medical insurance in this city as freelancers or in employers. As long as there is no interruption of payment, the continuous payment period can be calculated together.
When the insured persons with flexible employment go through the retirement formalities, if they fail to reach the prescribed payment period, they shall pay the basic medical insurance premium of poverty years (calculated by the longest payment period) in full at one time according to 10% of the published average social wage of this city in the previous year before the 25th day of the month when they go through the retirement formalities, and the paid part will not be filled in the personal account.
If payment is interrupted, the actual payment period of medical insurance will be recalculated from the month of re-payment, that is, the actual payment period before the month of re-payment will no longer be calculated.
If the basic medical insurance premium in poor years is overdue or not paid in full, it will stop enjoying medical insurance benefits from the next month; If the basic medical insurance premium in poor years is filled within 3 months, retirees will enjoy the basic medical insurance benefits from the next month of payment, but all medical expenses incurred during the overdue or insufficient payment period will be borne by individuals.
It is understood that the calculation method of the payment period of flexible employment insured personnel is: before 65438+February 3, 20031,if the continuous service in line with national regulations is over 35 years, the payment will be 10 year; 12 years with over 30 years of work and less than 35 years; If the length of service is less than 30 years, the payment period is 12 plus the difference of my length of service less than 30 years. If the insured person has paid the required payment period and reached the statutory retirement age, he will no longer pay medical insurance premiums and enjoy medical insurance benefits for life.
The social security of flexible employees has its own policies and regulations on the payment time, and the insured needs to safeguard their rights and interests according to the policies and regulations. With the development of social diversified economic model, the group of flexible employees is growing, and social security coverage is urgently needed. Although the country has recently issued relevant policies to include flexible employees in the scope of protection, the participation rate of flexible employees is low for various reasons. Let's introduce the problems existing in the current participation of flexible employees.
(A) the flexible employment insurance policy has great limitations.
The current national laws and regulations have not stipulated the participation of flexible employees in social insurance, and the insurance payment policies for flexible employees vary from place to place, covering only a certain part of the flexible employees, mostly self-employed, and the implementation is not ideal. The main problems existing in the current insurance policy are as follows: First, there is no unified policy in the whole province and even the whole country; Second, the payment period of 15 is low; Third, the payment base is out of touch with the treatment, which leads to the choice of low is not high.
(2) The situation of oversupply in the labor market makes flexible employees dare not expect social insurance.
In the face of China's labor supply far exceeds demand and the employment situation is very severe, workers have been in a weak position from job hunting to employment. The lack of unemployment insurance for flexible employment groups intensifies the helplessness of unemployment and dependence and submission to bosses. Their main goal is to get paid for their work, and they know little about the insurance system. As a result, they often barely get re-employment as long as their wages are not covered by social security. When signing a contract and getting employment, I don't know how to ask for or fight for social insurance benefits, and I don't know how to handle insurance payment related matters in social security institutions.
(C) the system defects of flexible employment insurance
First, according to the payment method of endowment insurance for freelancers and flexible employees issued by Jiangsu Province, the payment base is determined by 60%-70% of the average monthly salary of employees in the province, which cannot be implemented in underdeveloped areas in northern Jiangsu. As far as Dongtai is concerned, in 2009, the lower limit of the payment base of enterprise employees' endowment insurance was determined as11/9 yuan/month according to 60% of the average monthly salary of employees in 2008, but the average monthly salary of employees in Dongtai enterprises was only 858 yuan, which could not be implemented. If freelancers and flexible employees determine the lower limit of payment base according to 60% of the average wage of workers in the province last year, that is, 1583 yuan, for those unemployed people who are laid off at home, they can only choose to interrupt payment, which will cause a huge social group to be unable to enjoy social security. Second, the current policy is out of touch with the treatment because of the payment base and payment period. On the one hand, a considerable number of insured people are unwilling to continue their social insurance relationship after the payment is interrupted. On the other hand, it also makes flexible employees lack the enthusiasm of early insurance and paying more, which has a reverse incentive effect. Third, the income of flexible employees is uncertain and unstable, and the economic endurance is weak. They need a lower payment base and a flexible, convenient and simple way to participate in insurance to support their participation. Flexible employees have made indelible historical contributions to the country's economic construction, and they deserve social security and enjoy the same social welfare as other social groups. Recently, Guangzhou has studied and formulated relevant policies for the social security payment pressure of flexible employees, which is expected to alleviate the payment pressure of flexible employees in the future.
Recently, at the "20 1 1 Sixth New Manpower Summit Forum" held in Guangzhou, Yu Mingqin, deputy director of the Department of Laws and Regulations of the State Ministry of Human Resources and Social Security, admitted that this problem has been reflected not only in Guangzhou, but also in many parts of the country. He revealed that Ministry of Human Resources and Social Security is studying whether to calculate the payment base according to the actual income of flexible employees, or to formulate more flexible policies to change the current payment base of this group.
The payment base is "one size fits all"
With the annual increase of social security wages in various places, the annual social security contributions are also rising. For flexible employees, because there is no fixed work unit, their social security contributions are all borne by individuals, and the burden is relatively heavy. Take Guangzhou as an example. On July 20 1 1 year, employees who participated in flexible employment social security paid 888.75 yuan per month.
Because the base and proportion of social insurance premiums paid by flexible employees are different from those of employees. According to national regulations, the payment base of flexible employees is "one size fits all", with local social wages as the base, and the payment ratio is 20% for endowment insurance and 4% for medical insurance, all of which are borne by individuals; The employee's personal salary is the base, and the contribution ratio is 8% for endowment insurance, 20% for subordinate units, 2% for medical insurance and 8% for subordinate units. Relatively speaking, the higher the employee's income, the higher the payment, but whether the income of flexible employees reaches the local social wage or not, the payment base is based on the local social wage. For low-income flexible employees, the monthly burden is heavier.
A more flexible policy is bee studied.
Yu Mingqin, deputy director of the Legal Department of Ministry of Human Resources and Social Security, said that Ministry of Human Resources and Social Security has noticed this problem. He said that not only Guangzhou, but also many cities across the country have reflected this problem. "Under the current policy, the payment base of flexible employees is based on local social wages. Some people in this group really can't reach this level, and the proportion of payment must be borne by individuals, which is really heavy. Therefore, when we formulated the insurance policy for flexible employees, this group voluntarily participated in the insurance and took into account their burden. "
He explained, "When setting the payment base and proportion, the main consideration is to hope that the retirement benefits of these people can be consistent with the standards of retired employees, and the retirement benefits will be relatively better in the future. If the standard set now is low, the treatment will be low in the future. "
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.
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