Life for flexible employees is not easy. How to pay social security is more cost-effective? There will be more pensions after retirement.

Life for flexible employees is not easy. How to pay social security is more cost-effective? There will be more pensions after retirement.

People engaged in flexible employment, mainly laid-off workers and unemployed people, are facing the actual pressure of paying social insurance premiums in full!

Then, is it worthwhile to pay 60% or 100% social insurance premium for flexible employment? How to choose the payment threshold and payment period, so that you can pay less and get more after retirement? This section explains in detail why 60% is better and how many years it is more cost-effective to pay 60%.

00 1 flexibility of employment social insurance rate and amount 1. Social insurance for employment is entirely funded by oneself, and the payment ratio is flexible: 20% for old-age insurance and 10% for medical insurance.

Because this article only collects endowment insurance, it only takes endowment insurance as an example.

Take 20 19 Qingdao base as an example, and donate/month.

For 60%, 32,690.2 = 653.80 RMB; For 100%, 54490.2= 1089.80 RMB.

Price difference: 436 yuan.

1.20% of the payment, only 8% of the pension income of 002 personal account goes into personal account.

Take the base number of Qingdao 20 19 as an example, the annual payment in brackets is 60%, and the personal account is: 32690 438+02 = 3 138.24 yuan.

Calculated by 100%, the personal account is: 5490.4438+02 = 52438+0.04 yuan.

2. Social integration accounts for 12%.

Take Qingdao's base of 20 19 as an example, the annual payment is 60% of the grade, 32690438+05438+02 = 4707.36 yuan.

Within the range of 100%, 54490.1212 = 7846.56 RMB.

60% of the social security for flexible employment is used for social adjustment, and part of it is used for social adjustment. Monthly difference is 26 1.60 yuan.

003 receive a pension from the consolidated account 1. Calculation formula.

Basic pension = average social wage in the year of retirement ×( 1+ individual contribution index) /2× payment period × 1%.

2.60% monthly pension bracket: 5449 (1+0.6)/2150.01= 653.88 RMB 100% bracket: 5449 (1+/kloc-)

004 Last tip: 60% of the payment scope and the best payment period are different from the company's social security. The insurance premium is entirely paid by the individual, but considering the calculation method of monthly payment and pension, it is recommended to pay 60% of the insurance premium because it is more cost-effective.

In view of the principle of "pay more and get more", only the minimum pension will be paid, and the pension amount at retirement will be very low.

If you have the financial ability, it is best to choose 60% of the payment base, but try to extend the payment time.

Paying enough insurance premium to local medical insurance is the most cost-effective choice.

Only when you have pension and medical insurance at the same time will your retirement life be more secure!