Which grade of social security is the most cost-effective

It is more cost-effective for individuals to pay social security and pay the third gear. Facts have proved that if you buy social security, there are four grades: the lowest grade is 40%, the first grade is 60%, the second grade is 80%, and the third grade is 100%. The higher the level, the more you get, that is, the more you pay, the more you get. Of course, the amount you receive is also related to the number of years you have paid social security. Legal basis: Article 4 of the Social Insurance Law of People's Republic of China (PRC) * * * Employers and individuals in People's Republic of China (PRC) pay social insurance premiums according to law, and have the right to inquire about payment records and personal rights and interests records, and ask social insurance agencies to provide social insurance consultation and other related services. Individuals enjoy social insurance benefits according to law and have the right to supervise their own payment.

1. Freelancers should first judge their retirement age when paying social security. According to 1978 Interim Measures for Retirement and Resignation of Employees and Interim Measures for Resettlement of Old, Weak, Sick and Disabled Cadres issued by the State Council in June, the age is 60 years old for men, 55 years old for female cadres and 50 years old for female employees. If women participate in social security in their personal capacity, the legal retirement age for women is 55, which must be noted. Laid-off workers who used to work in state-owned enterprises for more than 0/0 years can pay social security when they retire at the age of 50. In addition, it should be noted that the sexual retirement age of women in different regions is different. Some cities stipulate that social security should be paid after being laid off, and the legal retirement age is 55. Those who meet the conditions of early retirement such as sick leave or special types of work can retire five years in advance. It is best for freelancers to communicate with employees before paying social security and tell them their actual situation so as to judge their retirement age.

2, freelancers pay social security, choose high or low. Many people don't know which payment level to choose when paying social security. I'm sure no one has heard of it. The principle of receiving endowment insurance is to pay more and get more, and how long. In fact, this is not wrong. The higher the payment level, the more social security money they pay. If you choose the lowest level to pay social security, the minimum social security payment standard is seven or eight thousand yuan per year according to 20 19. Paying social security at the highest level may cost 20 thousand to 30 thousand a year. Before paying social security, all localities will set payment standards. Generally speaking, the more developed the economy, the higher the social security. In fact, don't always think about getting more pensions. We should consider how much we can pay.

Payments have indeed fallen sharply. For example, the declines in Hunan and Anhui provinces and cities are all above 20%. There are many misunderstandings here, and many people think that social security premiums will continue to decrease in the future. In fact, this is a wrong view, which can change with time. With the increase of the average wage of employees, social security contributions will rise, but not like the average wage of employees calculated by the government. "One-way Classics" before Kutcher. The implementation of the new social security plan is of great significance to our individuals and enterprises.