How to pay social security is the most cost-effective

1. What is the most cost-effective age to pay social security?

First, if your social security has only been paid for 15 years, you can only get the minimum pension. Generally speaking, the longer the social security fund is, the more pensions you can get after retirement.

Second, if you wait until 15 to retire and pay social insurance, then you have to pay for medicine and medical treatment, of course! After paying social insurance, even if it meets the reimbursement conditions, it will not be reimbursed. There's another one! If you want to continue to enjoy medical insurance benefits after retirement, you must meet a certain annual payment. Many cities have 25 years for men and 20 years for women, and you only pay 15 years to say sorry for you. Yes

Second, the pension has been paid 15 years. Is it necessary to hand it in again?

Some people think that social security 15 can be paid off, just wait for the pension. This view is incorrect. The basic pension after retirement is determined by the payment period and base. In order to get higher retirement benefits, it is necessary to extend the payment period. For example, A and B are in the same company, and 500 yuan pays the same amount of social security every month, but only for 15 years, while B has paid for 20 years.

According to the formula, other conditions are certain (the local average salary last year was 5,000, and the two people paid the same index). Then, after retirement, A can only receive 1.300 yuan and B can receive 1.800 yuan every month, which is quite different.

Third, how to pay social security is the most cost-effective?

1. If there is a work unit, the social security is not paid by the unit, but by the individual: report to the labor inspection or bring a lawsuit to the people's court. This method is usually only applicable to the war with the unit and resignation. Another way is for individuals to pay according to the insurance method for flexible employees.

2. If there is no work unit, the individual will directly pay in full: this situation involves the insured and the registered permanent residence. If there is no insurance in the past, you can only have insurance at your place of residence and pay according to the flexible employment policy. If you are insured, you can renew your insurance directly, and then apply for insurance according to the flexible employment policy.

3, affiliated with a unit, both units and individuals have to pay: this kind of past is more common, especially the endowment insurance of public institutions. In this case, the insurance premium paid by units and individuals is paid by individuals, which is higher than that paid by flexible employment policy. This situation is not cost-effective, but it is still used.