How to buy social security for low-income households

How to buy social security for low-income households is as follows:

1. Low-income households have the right to participate in social insurance, and the purchase of social security will not affect their ability to receive low-income benefits.

2. After a low-income household receives social security benefits, the income will be counted as household income, and it will not be able to continue to enjoy low-income insurance if it exceeds the local low-income standard.

3. When the per capita monthly income of the family does not exceed the LPS standard, the LPS household can continue to receive the minimum subsistence guarantee.

4. Some cities provide free social security services for low-income households, so check with your local social security office.

Basic concepts of social security:

1. Social security, known as social insurance, is a system set up by the state to guarantee the basic safety of citizens' life in terms of old age, unemployment, medical care, work injury and maternity;

2. Social security consists of five basic insurances, including old age insurance, medical insurance, unemployment insurance, work injury insurance and maternity insurance;

3. 3、The payment of social security is usually borne by both the employer and the individual***, in which the individual's contribution is deducted from the salary;

4、Low-income households refer to those families or individuals who have been recognized by the government as having difficulties in life and whose incomes are lower than the standard of the local minimum subsistence guarantee;

5、Low-income households who take part in social security can enjoy the government's subsidy or exemption policy, which varies from one region to another.

Summary, low-income households can purchase social insurance without affecting the receipt of low-income benefits, but the income from social security payments will be counted as part of the total household income, and if it exceeds the local minimum subsistence level, it cannot continue to enjoy the minimum subsistence level, while it can continue to receive the minimum subsistence level if the average per capita monthly income of the household does not exceed the standard, and at the same time, some cities provide free social security services for the low-income households.

Legal basis:

The Labor Law of the People's Republic of China

Article 72

The social insurance fund shall determine the source of funding according to the type of insurance and shall gradually implement social coordination. Employers and workers must participate in social insurance and pay social insurance premiums in accordance with the law.

The Social Insurance Law of the People's Republic of China

Article 4

Employers and individuals within the territory of the People's Republic of China shall, in accordance with the law, pay social insurance premiums and have the right to inquire about the records of payment of premiums and records of the rights and interests of individuals, as well as to demand that the social insurance administration agencies provide social insurance counseling and other related services.

Law of the People's Republic of China on the Promotion of Rural Revitalization

Article 54

The State improves the social security system for urban and rural areas in an integrated manner, establishes and improves the mechanism for guaranteeing it, and supports villages in improving the level of social security management and services; it establishes and improves the mechanism for determining the basic old-age pension insurance benefits of urban and rural residents and for normally adjusting the standard of the basic pension, and ensures that basic pension insurance benefits are gradually raised in line with economic and social development. The State supports farmers to participate in basic pension insurance and basic medical insurance for urban and rural residents in accordance with the regulations, and encourages qualified flexibly employed persons and persons engaged in the industrialization of agriculture to participate in basic pension insurance for employees, basic medical insurance for employees and other social insurance. The State promotes the integrated development of the urban and rural minimum subsistence guarantee system, raises the level of social assistance such as the provision of support for people in special hardship in rural areas, strengthens care services for rural left-behind children, women and the elderly, as well as for persons with disabilities and children in difficult circumstances, and supports the development of inclusive rural old-age care and mutual assistance in old-age care.

Regulations on the Minimum Subsistence Guarantee for Urban Residents

Article 2

Urban residents holding a non-agricultural hukou, where the per capita income of the family members *** living with them is less than the minimum subsistence guarantee standard for urban residents in the locality, shall have the right to obtain material assistance for basic living from the local people's government. The income referred to in the preceding paragraph refers to all the monetary and in-kind incomes of the family members living together in ****, including alimony, support or maintenance payments that should be paid by the legal alimony, support or maintenance, excluding the pensions and grants that the beneficiaries of the privileges enjoy in accordance with the provisions of the State.