Self-funded social security is too pit, and it is a big loss. How do individuals pay social security endowment insurance, and which level of self-funded social security is cost-effective?

Self-funded social security is too pit, and it is a big loss.

Social security is a certain social security system stipulated by the state, including endowment insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance. For some friends who don't work in the company, if they want to enjoy the social security system, they have to choose non-medical insurance. Self-funded social security is too pit, mainly reflected in the following aspects:

1, different insurance types

According to the Social Insurance Law and other relevant regulations, employees who establish labor relations with employers should participate in five social insurances such as pension, unemployment and work injury according to law; Flexible employees can choose to participate in the basic old-age insurance and basic medical insurance for employees as individuals according to their own specific conditions. Therefore, self-funded social security involves fewer types of insurance and is not so comprehensive.

2, the payment ratio is different.

If the employer is insured, the basic old-age insurance for employees shall be paid by the employees and the employer according to a certain proportion. Among them, the individual contribution ratio is 8%, and the unit contribution ratio is 16%. Insured individuals, the payment ratio is 20%, all paid by individuals. This is a pit, which means they have to pay more money at their own expense and enjoy the same benefits as the company's social security. Therefore, self-funded social security is too pit, mainly because it will cost more money, but the effect is the same.

How do individuals pay social security and endowment insurance?

1. According to Article 10 of the Social Insurance Law, employees should participate in the basic old-age insurance, and employers and employees should pay the basic old-age insurance premium. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employer and other flexible employees can participate in the basic old-age insurance, and individuals pay the basic old-age insurance premium. The measures for the endowment insurance of civil servants and staff managed by reference to the Civil Service Law shall be formulated by the State Council. For freelancers, they want to pay social security and endowment insurance, but they don't know the specific ways.

2. First of all, the applicant needs to go to the social security bureau in the district where the household registration is located. Due to the different social insurance policies in different regions, the payment is also different. For details, please contact the Social Security Bureau at telephone number 12333.

3. When handling personal social security, you need to bring your ID card, and prepare two recent one-inch bareheaded photos, insurance premiums, application forms, etc.

4. The insured person chooses the grade according to his own labor income, and the endowment insurance agency entrusts the post office to collect it on a monthly basis. The insured person goes to the designated post office with the certificate and ID card, hands in the passbook and changes the password. The insured shall deposit a certain endowment insurance premium before the 25th of each month. Before the 5th day of each month, receive the endowment insurance premium of last month directly from the passbook of the insured.

Which grade of self-funded social security is cost-effective?

1. At present, there are four levels of self-funded cooperatives, namely level 1 (40%), level 1 (60%), level 2 (80%) and level 3 (). In Dongguan, Guangdong Province, for example, the pension payment (40%) consists of pension, basic medical care+mutual assistance for serious illness (8.5%+ 1%) and maternity insurance, with a monthly payment of ***548.57 yuan. The first (60%) monthly payment is 692.37 yuan, the second (80%) monthly payment is 835.97 yuan, and the third () monthly payment is 979.77 yuan. So which grade of self-funded social security is cost-effective?

2. The payment base is increasing every year, and the growth rate of the payment base far exceeds our financial interest rate. Therefore, as long as our income level is high, it is very cost-effective to pay according to the high payment. But in general, there is no choice, as long as it is suitable for your own economic endurance. The higher the payment grade, the greater the cost and the greater the future. The lower the payment grade, the smaller the cost and the smaller the future. These are all complementary. No pains, no gains.

3. If you want to choose, try to pay according to your income level. Generally, 20% of personal income is almost the same, so it is cost-effective and cost-effective.

The above is about personal self-funded social security, I hope it will help everyone!