How long will it take to get flexible employment at 44?

With the average social wage unchanged, the money we pay into the overall account will generally be paid back in 6-7 years. I began to participate in social insurance at the age of 44. According to the current retirement regulations, the accumulated payment of old-age insurance has reached 15 years, and I can go through retirement procedures when I reach the legal retirement age. If you reach the statutory retirement age and the payment is less than 15 years, you should postpone your retirement and continue to pay to 15 years. Generally speaking, women need to be 59 years old and men need to be 60 years old to receive a pension.

First, the return age of social security for flexible employees

The return age of flexible employment social security refers to the time difference between when you start to pay social security fees and when you receive social security benefits. In other words, when you start to pay social insurance premiums, how many years will it take to recover the paid social insurance premiums?

According to national regulations, flexible employees need to pay four social security fees: endowment insurance, medical insurance, unemployment insurance and industrial injury insurance. Among them, the repayment age of old-age insurance is the longest, and it usually takes more than 15 years to receive the pension, while the repayment age of medical insurance, unemployment insurance and industrial injury insurance is relatively short, generally about 5 years.

Second, the calculation method of social security for flexible employees

The calculation method of flexible employment social security mainly includes two aspects, one is the social security fee paid, and the other is the social security benefits received.

1。 Social security fees paid

Flexible employees need to pay four kinds of social security fees: endowment insurance, medical insurance, unemployment insurance and industrial injury insurance. The payment standard and time of these fees are stipulated by the state. Take the old-age insurance as an example, the expenses paid are shared by individuals and enterprises. Individuals need to pay 8% of their wages as endowment insurance expenses, and enterprises need to pay 20% of their wages as endowment insurance expenses. The payment time usually starts from the month when you start working.

2。 Social security benefits obtained

The social security benefits received by flexible employees mainly include pensions, medical subsidies, unemployment benefits and compensation for work-related injuries. The standards and time for receiving these benefits are also stipulated by the state. Take the pension as an example, the collection standard consists of the endowment insurance premium paid by individuals and the basic pension stipulated by the state.

Third, how old is the flexible employment social security?

How old the flexible employment social security is depends mainly on two factors, one is the social security fees paid and the other is the social security benefits received.

1。 Social security fees paid

Flexible employees need to pay four kinds of social security fees: endowment insurance, medical insurance, unemployment insurance and industrial injury insurance. The payment standard and time of these fees are stipulated by the state. Take the old-age insurance as an example, the expenses paid are shared by individuals and enterprises. Individuals need to pay 8% of their wages as endowment insurance expenses, and enterprises need to pay 20% of their wages as endowment insurance expenses. The payment time usually starts from the month when you start working.

2。 Social security benefits obtained

The social security benefits received by flexible employees mainly include pensions, medical subsidies, unemployment benefits and compensation for work-related injuries. The standards and time for receiving these benefits are also stipulated by the state. Take the pension as an example, the collection standard consists of the endowment insurance premium paid by individuals and the basic pension stipulated by the state.

According to the above calculation method, we can get the calculation formula of how long the social security of flexible employees will be paid back:

Social security return period of flexible employment = social security expenses paid ÷ social security benefits received.

Take the endowment insurance as an example. Assuming that a flexible employee pays 1000 yuan of old-age insurance every month, he needs to pay 15 years to receive a pension. Assuming that his monthly pension is 2000 yuan, then his social security return age for flexible employment is:

Social security return age of flexible employment =1000×12×15 ÷ 2000 = 90 years old.

As can be seen from the calculation results, the return age of flexible employment social security is relatively long, and the social security fees to be paid are relatively high. Therefore, when choosing whether to pay social security fees, flexible employees need to consider comprehensively according to their own actual situation.

What is the social security cost of flexible employment? This is a complicated problem, and many factors need to be considered. When choosing whether to pay social security fees, flexible employees need to consider comprehensively according to their actual situation and choose the most suitable scheme. At the same time, flexible employees also need to know their rights and responsibilities, plan their social security plans rationally, and lay a solid foundation for their future.

I hope the above content can help you. If in doubt, please consult a professional lawyer.

Legal basis:

Article 4 of People's Republic of China (PRC) Social Insurance Law

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 records, and require 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 the payment of their own units.

Article 10

Employees shall participate in the basic old-age insurance, and the employer and employees shall jointly pay the basic old-age insurance premium. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employer and other flexible employees can participate in the basic old-age insurance, and individuals pay the basic old-age insurance premium. The measures for the endowment insurance of civil servants and staff managed by reference to the Civil Service Law shall be formulated by the State Council.