How to buy five insurances for flexible employees

Due to the rapid development of the network, information dissemination is more and more extensive. When people encounter problems they don't understand in life and work, they just need to know them online. Today, Bian Xiao will explain how to pay endowment insurance for flexible employees. I hope we can figure this out. Let's take a look together. I. Endowment insurance for flexible employees The endowment insurance for flexible employees refers to an insurance policy. Some people who have no fixed job, unemployment or re-employment are flexible employees. In view of the old-age security of this group of people, the state has promulgated and implemented the old-age insurance policy for flexible employees. 1. Introduction of pension insurance for flexible employees Flexible employment refers to a way of employment that is different from the traditional mainstream in terms of working hours, income and remuneration, workplace, insurance benefits and labor relations. Flexible employees refer to those who achieve employment or re-employment in flexible and diverse forms such as part-time, temporary, seasonal and flexible work within the working age range (men are 60 years old and women are under 50 years old), including: self-employed employment, including self-employed and partnership; Self-employed, such as freelancers, lawyers, freelance writers, singers, models, intermediary service workers, etc. Temporary workers, such as domestic hourly workers, street vendors and other odd jobs. Flexible employees who enjoy social insurance subsidies must register for employment in accordance with the regulations, participate in social insurance in their personal capacity, and pay social insurance premiums in full and on time according to the prescribed payment base. The stipulated payment base for flexible employees who enjoy social insurance subsidies to pay social insurance premiums is: the basic pension is calculated and paid at 100% of the average monthly salary of employees in the previous year; Basic medical care is based on the average monthly salary of employees in Chengdu in the previous year. Flexible employees must pay two social security fees for basic old-age pension and basic medical care on time. At the end of each quarter (before 25th), they should hold their ID card, household registration book, re-employment concession card or unemployment certificate, employment registration certificate and social security payment certificate. Disabled people should also apply to the local community labor security workstation with disability certificate, and declare the number of payment months and subsidy months. Second, if the preferential policies for endowment insurance for flexible employees have not reached retirement age and the relationship with the former state-owned enterprises has been terminated, and they have not participated in the basic endowment insurance, they can pay the basic endowment insurance premium according to the insurance method for urban individual workers from the time when the local individual payment system is implemented, and be included in the scope of basic endowment insurance. According to the provisions of the state, the continuous length of service is regarded as the payment period. Persons over the statutory retirement age can pay the basic old-age insurance premium and interest from local contributions to the statutory retirement age in accordance with the provisions of the basic old-age insurance for urban individual workers. According to the provisions of the state, the continuous length of service is regarded as the payment period. 20 1 1 At the end of the year, 34 employees engaged in flexible employment (including 2 over-age employees) met the insurance requirements, entered the human resources market, and went through the pension insurance continuation procedures in their personal capacity. So that the former state-owned enterprises can pay the old-age insurance in time. So that they can solve their worries and realize "a sense of security for the old" and "a sense of security for the sick". Self-employed workers and flexible employees can apply for supplementary fees from June 1999 to June 10. This policy is a special policy issued by the government on 20 1 1. If there is a time requirement, please handle it before the end of 20 1 1 and 1 February, and it will not be handled after the expiration. 20 12 to 1, China will handle it according to the relevant provisions of the state and province. If you seize this opportunity, it will bring you benefits. First, you should pay back the old-age insurance premium 1 1 year, and pay less. You have to pay back the old-age insurance premium 1 1 year in total 19000 yuan. 2. Payment period 1 1 year, which is equivalent to 1 1 year of service. 3. Payment period 1 1 year. When the retirement conditions are met, the pension level has been greatly improved. You can calculate, this is a very cost-effective economic account. Don't hesitate any longer. Please go to your social security branch. Self-employed individuals and flexible employees who have not paid the endowment insurance premium will pay the historical arrears before 20 11before the end of 201,and no late payment fee will be levied. If the old-age insurance premium is not paid back before the end of the year, a late fee of 2‰ will be charged on a daily basis from 20 12 65438+ 10/day. Late payment will not be charged before the end of the year, and late payment will be charged on 20 12. The government's preferential policies for people with employment difficulties to achieve flexible employment are more than the document issued by Dangzhengfa [2009] 1 1, which is applicable to the Measures for Social Insurance Subsidies in Autonomous Region promulgated in February 20 10. Those who are identified as people with employment difficulties and realize flexible employment can enjoy not only pension insurance subsidies, but also medical insurance subsidies and unemployment insurance subsidies. Those who have enjoyed preferential policies for laid-off workers and people with employment difficulties will no longer enjoy this policy. The preferential policies of endowment insurance for flexible employees vary from place to place, and the insured can consult according to the location of their own endowment insurance. Third, the proportion of pension insurance payment for flexible employees The base of pension insurance payment for flexible employees can be divided into five grades according to the local average salary in the previous year. Flexible employees can choose one of the payment bases and then pay according to the payment ratio. The first gear: 60% of the average social security salary; The second gear: 70% of the average social security salary; The third gear: 80% of the average social security salary; The fourth gear: 90% of the average social security salary; The fifth gear: average social security salary 100%. The above five files are the payment base of endowment insurance for flexible employees. After choosing the first gear, you can pay 28% of the old-age insurance premium and 12% of the medical insurance premium. How to pay the endowment insurance for flexible employees? Endowment insurance is generally equivalent to a piggy bank, which is paid according to one's salary every year. The general unit will deduct part of your salary, and then the unit will subsidize part. For flexible employees, if there is no company subsidy, they will pay their own fees in relevant institutions, and the general payment time is more than 1 1 year, otherwise they need to make up for the losses. The above content is a detailed introduction to how flexible employees pay endowment insurance according to the current relevant laws and regulations in China. If you have any questions about the above contents, please consult relevant websites or departments! I hope my answer is helpful to you! In case of doubt, legal advice is welcome. Wish you a happy life!

Legal objectivity:

Flexible employment refers to a way of employment that is different from the traditional mainstream in working hours, income and remuneration, workplace, insurance and welfare, labor relations and so on. Flexible employees refer to those who are employed or re-employed in flexible and diverse forms such as part-time, temporary, seasonal and flexible work within the working age range (men under 60 years old and women under 50 years old). Flexible employees who enjoy social insurance subsidies must register for employment according to regulations, participate in social insurance in their personal capacity, and pay social insurance premiums in full and on time according to the prescribed payment base. The stipulated payment base for flexible employees who enjoy social insurance subsidies to pay social insurance premiums is: the basic pension is calculated and paid at 100% of the average monthly salary of employees in the previous year; Basic medical care is based on the average monthly salary of employees in Chengdu in the previous year. Endowment insurance is an important part of social security system and one of the five most important social insurances. The so-called endowment insurance (or endowment insurance system) is a social insurance system established by the state and society according to certain laws and regulations to solve the basic life of workers who reach the working age limit stipulated by the state and terminate their labor obligations or quit their jobs because of old age. Flexible employees must pay two social security fees for basic old-age pension and basic medical care on time. At the end of each quarter (before 25th), they should hold their ID card, household registration book, re-employment concession card or unemployment certificate, employment registration certificate and social security payment certificate. Disabled people should also apply to the local community labor security workstation with disability certificate, and declare the number of payment months and subsidy months. First of all, due to the current employment pressure, people are usually afraid to "request" to pay endowment insurance for them in order to find a stable job. Secondly, some individuals and non-public enterprises excessively pursue immediate interests, fearing that participating in social insurance will reduce liquidity and affect production and operation, and try their best to avoid paying fees for flexible employees. Because employees don't know much about the relevant policies of social endowment insurance, some people even know nothing about social endowment insurance, and they are still immersed in the idea of "providing for the aged from less". Some people are not confident in social endowment insurance and prefer to save for the elderly themselves, resulting in a "double low" participation rate and enthusiasm for payment. The characteristics of flexible employees increase the difficulty of participating in insurance. First of all, their time and working relationship are flexible. Even if the work unit pays the old-age insurance for them, it is difficult to continue the old-age insurance because of their unstable labor relations. Secondly, the elasticity of income, a considerable number of flexible employees' income is lower than the average social wage level, and they can only maintain a basic living and are unable to pay old-age insurance premiums. Finally, because endowment insurance is generally aimed at enterprises and institutions, if individuals are the payment units, it will greatly increase the complexity of participating in insurance. Since 1995 established the mode of combining social pooling with individual accounts, China's old-age insurance has changed from pay-as-you-go system to the current mode of combining unified accounts. In the process of reform, there is no provident fund in the personal accounts of retired and on-the-job employees, which forms the transitional cost of the old and new pension insurance systems. It is estimated that the transition cost of the old-age insurance system in China is about 3 trillion yuan. Undoubtedly, the transition cost of the old-age insurance system should be entirely borne by the government, but in fact, the government did not explicitly bear the transition cost, but passed it on to the enterprise, thus making the enterprise bear a double burden, not only to pay the old-age insurance premium for the on-the-job employees, but also to pay the old-age insurance premium for the retired employees. At present, the contribution rate of enterprise endowment insurance has reached 24% ~ 28% (in different places), and the contribution rate of flexible employees is unified at 20%. The old-age insurance rate is too high, even regular units will find it unbearable, let alone people who are flexible in employment. China's current endowment insurance law is mainly formulated for full-time employees. However, there is not a comprehensive summary of flexible employment, and some of them are only aimed at special ones, such as migrant workers, and some are only adapted to local conditions, and the expansion is not strong. Imperfect laws often fail to protect the rights and interests of flexible employees, which are mainly manifested in the following aspects: wages can not meet the statutory minimum wage standard, wages are seriously in arrears, overtime pay is not paid for extended working hours, and the working environment is harsh, and they are often dismissed at will. Moreover, most flexible employees are in a weak position, and when their rights and interests are infringed, they often cannot be effectively protected when they seek help from the legal department for economic or other reasons. 6. Continuation of endowment insurance Because of the flexible labor relations of flexible employees, it is extremely important to continue endowment insurance in different places. There is no national overall planning for endowment insurance, so when you go to work in other provinces, you can only take away your personal account and a small amount of overall planning when transferring endowment insurance. Originally, the average salary of flexible employees was not high, and the payment ratio was too high, which was undoubtedly a great loss for them. Due to the late implementation of the old-age insurance policy for flexible employees and low awareness of old-age insurance, many people who are willing to start old-age insurance have exceeded the legal age of participation and lost the right to enjoy old-age insurance, which is also contradictory to expanding the coverage of old-age insurance. The base of payment and the proportion of payment are "double high". The current endowment insurance in China generally chooses the base of payment between 60% and 300% of the average social wage in the province, and the proportion of payment is 20%, of which 12% is included in the personal account and 8% is included in the overall fund. The full-time employees only bear 8% of the expenses themselves, which has made it unbearable for flexible employees. In addition, their average wage is still lower than the social average wage.