How to get pension and social security for flexible employment

People who have no fixed jobs in their lives are called flexible employees, but they also need to pay the prescribed old-age insurance. 1. The pension insurance standard for flexible employees is 1. If the payment has reached 15 years, the monthly basic pension = basic pension+personal account pension. Among them, the basic pension = the average monthly salary of local employees in the previous year when I retired ×20%, and the personal account pension = the amount stored in the personal account/120. 2, the local implementation of unified account combined with the reform of the old-age insurance system to participate in the work of the former state-owned, collective enterprises or institutions, after the termination of labor relations, according to the urban flexible employment approach to insurance, after retirement, its monthly basic pension according to the urban enterprise employee pension plan hair method. 3. If the payment is less than 15 years, and the flexible employees are unwilling to continue to pay, they cannot enjoy the basic old-age insurance benefits on a monthly basis, and the accumulated amount in their personal accounts and the part included in the overall fund from the old-age insurance premiums paid by individuals are paid to them in one lump sum, and the old-age insurance relationship is terminated at the same time. Two, the retirement age of flexible employees is 60 years old for men and 55 years old for women. Among them, female insured persons who have paid for insurance in the former public-owned enterprises and institutions for 10 years (including deemed payment) and have been employed flexibly for more than 2 years can choose to go through retirement procedures between the ages of 50 and 55 upon their own application. Three. How to pay the basic old-age insurance for flexible employees is the most cost-effective (1). Calculation method of basic pension Basic pension = basic pension+personal account pension 1, basic pension = (average monthly salary of employees in the autonomous region in the previous year+average monthly payment salary of myself) ÷2× payment period × 1%2. Personal account pension = personal account storage amount. According to the above formula, we can see that the level of payment base, the length of payment period and the level of social salary at retirement are important indicators for calculating pension. (two) the same payment period, the higher the payment base, the higher the pension benefits. At present, flexible employees can pay the basic old-age insurance premium according to 20% of the selected payment base, and the payment base is determined according to 100%, 60% and 50% of the average monthly salary of employees in the autonomous region last year. The payment base directly affects the level of retirement pension. (3) The payment base remains unchanged, and the longer the payment period, the higher the pension benefits. At present, the minimum cumulative payment period for flexible employees is 15 years, and they can go through retirement procedures when they reach the legal retirement age of 60 years (female 55 years). During the payment period, flexible employees choose to stop paying endowment insurance after the accumulated payment reaches 15 years, and their pension benefits will be greatly affected when they go through retirement procedures at the legal retirement age. The reason is that the new pension calculation and payment method stipulates that the longer the payment period, the higher the proportion of basic pension and the higher the pension benefits received after retirement. (4) The longer the payment period, the higher the increase level of pension capital. Article 18 of the Social Insurance Law: "The state establishes a normal adjustment mechanism for basic pensions. According to the average wage increase and price increase of employees, the level of basic old-age insurance benefits will be raised in a timely manner. " From 2005 to 20 14, according to the regulations of the state and the autonomous region, the city continuously raised the pension benefits for retirees 10. The above is the introduction of the pension insurance standard and retirement age for flexible employees. The payment base of flexible employees, the length of payment period and the social wage level at retirement are important indicators for calculating pensions.

Legal objectivity:

Article 12 of the Social Insurance Law, the employing unit shall pay the basic old-age insurance premium according to the proportion of the total wages of employees stipulated by the state and record it in the basic old-age insurance pooling fund. Employees shall pay the basic old-age insurance premium in accordance with the proportion of wages stipulated by the state and record it in their personal accounts. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employing unit and other flexible employees who have participated in the basic old-age insurance shall pay the basic old-age insurance premiums in accordance with state regulations and record them in the basic old-age insurance pooling fund and individual accounts respectively.