Women don't pay social security until they are 40. There are three ways. Do you know which is cost-effective?

Nowadays, social security has penetrated into all aspects of people's lives. Work, go to school, buy a house, buy a car, provide for the aged, etc. Are inseparable from social security. However, for flexible employees, not everyone can afford such a high social security fee. China's social security system can be divided into two categories, one is employee social security, and the other is resident social security. If you want to take out insurance, you must pay for any of them. Although these two social security systems belong to the national social security system, there are still great differences. What kind of social security can be more cost-effective if women with flexible employment want to start insurance at the age of 40?

First, participate in employee social security as a flexible employee.

To pay social security for employees by themselves, they can only choose pension insurance and medical insurance, while women with flexible employment must be at least 55 years old if they want to receive a pension. Compared with on-the-job employees, although they can retire after five years, in addition to the retirement age, they must also meet the conditions of accumulated contributions to old-age insurance 15 years, and retirement at the age of 55 is just enough to receive the fixed number of years. Therefore, it is a very suitable choice to pay social security as a flexible employee.

Second, pay social security in the form of affiliated companies.

Whether it is retirement age or social security benefits, it is the same as that of on-the-job employees, but the payment method is very different. On-the-job employees' social security expenses are borne by themselves and the unit * * *, and the unit will pay more. In this case, the payment pressure of employees is relatively small, and the payment as a flexible employment status is entirely borne by themselves, including individual payment and unit payment. In addition, it is also necessary to give a certain service fee to the affiliated company. Generally speaking, it will cost a lot of money, and the economic burden is quite heavy for people with average economic income.

However, if it is a foreign hukou, if you want to settle down in a big city and buy a house, you have to meet the relevant requirements. After all, many cities have introduced purchase restriction policies. One of the conditions is that you have to pay enough social security in the local area. For example, if you want to buy a house in Shanghai, you must pay social security in Shanghai for more than five years. Although paying social security as flexible employment can save a sum of money, you need to go back to your household registration to go through the insurance formalities, so you are not qualified to buy a house in a big city. Therefore, people who have this idea, it is best to pay social security by affiliated with a company.

Third, pay social security for residents.

There are only two kinds of social security for residents: endowment insurance and medical insurance. Compared with employees' social security benefits, residents' social security is far less than employees' social security benefits. Moreover, the retirement age of social security for both men and women must be 60 years old, which is five years later than flexible employment. Although there is no need to worry about the problem of insufficient payment period, delaying retirement means that you can enjoy social security benefits later and pay more for a few years. However, from the perspective of payment amount, social security for residents may be more suitable for flexible employment women with poor economic income. After all, there are many levels of social security payment for residents, and the amount of payment is relatively low, ranging from several hundred yuan to several thousand yuan. You can choose your own payment level according to the actual situation. Different from flexible employment insurance, the minimum payment base is determined according to the average wage level of the local society, and the payment options are more limited.

Social security is the welfare to ensure our better life. According to the above three payment methods, it is best for 40-year-old women to give priority to paying social security as flexible employment.