The social security of their own payment surprisingly have so much to learn, which way is the most cost-effective

The importance of social security believe that we all understand, including five insurance: pension, medical, unemployment, maternity, work injury, of which pension and medical insurance is particularly important, if you insist on paying, after retirement you will be able to receive a fixed monthly pension, and enjoy lifelong medical treatment.

It is for this reason that some people who do not have a job choose to make their own contributions, although at a much higher cost than ordinary workers. But most people don't realize that there is a lot to learn about paying social security on your own, and there are four ways to do it, and the following Rong360 editorial is going to introduce them separately.

The first is the urban residents of social security

Local non-employed people aged 16 years old can apply for, only need to pay pension insurance and medical insurance, the benefit is that the state will give subsidies to the participants, personal and subsidized pension insurance all counted in the personal account. Among them, the pension insurance is divided into 12 grades of 100 yuan, 200 yuan, 300 yuan, 400 yuan, 500 yuan, 600 yuan, 700 yuan, 800 yuan, 900 yuan, 1,000 yuan, 1,500 yuan and 2,000 yuan per year, and the subsidy only accounts for a very small portion of the subsidy, and most of it still has to be paid by oneself.

But in reality there are very few people who can handle urban social security, and nowadays most of the people who handle it are urban workers, whether they are ordinary workers or jobless people. Rong360 editorial call to consult the Beijing Municipal Social Security Bureau and the social security center in Haidian, Chaoyang and Fengtai districts, there is no mention of the urban residents of social security, can handle only urban workers social security.

The second type of social security for flexible employees

The social security for flexible employees should be handled in the street where the account is located, and women are required to be under 35 years old and men under 40 years old, and the files should be transferred back to the street. The benefits of paying pension insurance, medical insurance and unemployment insurance are that they can be partially subsidized by the state. According to the Beijing Lugouqiao Street Social Security Center, the state currently subsidizes 80% of the payments, and individuals only need to pay 20%. If the past 15 years of continuous payment of pension insurance, the current retirees can receive more than 1,700 yuan per month pension, or quite cost-effective.

But the problem is that the flexible employment of social security for people to deal with more trouble, the processing cycle to two or three months, and to a year, that is, once a year, which will lead to payment breaks. There are not many people who handle this kind of social security.

The third is the ordinary unemployed urban workers social security

Of course, the prerequisite is to have a local hukou to be able to apply for the social security center in the area where the hukou is located, you need to pay the old age pension, medical care and unemployment insurance, there are different grades, for example, the Beijing area is divided into three grades, the low-grade is 1,030.96 yuan, the mid-grade is 1,357.87 yuan, the high-grade is 2011.25 yuan, the same medical treatment is the same, but also the same. In terms of medical treatment are the same, the difference is reflected in the pension. This type of social security can be applied for as long as you have a local hukou.

But there is one thing to note, this kind of personal payment of urban workers' social security, although the money is all paid by oneself, but only 40% of it is included in the personal account, and the rest of the 60% is included in the integrated account. Coordinated account is the entire social security fund, in fact, is now paying social security people's money to those who have retired pension, but when we are old, how the ability to pay pensions is still hard to say, after all, the aging population is becoming more and more serious. If the pension is not finished and the person dies, only the money in the personal account can be inherited, and the money in the integrated account will be confiscated.

The fourth type of social security for urban workers in other places

This situation is very common, for example, the foreign population in Beijing, Shanghai, such a big city work, it is inevitable to encounter the problem of resignation, change of job leads to social security payment problems, which affects the purchase of housing, car, children's education, etc., social security payment is still quite harmful. However, if you don't have an account and can't pay by yourself through the social security center, there is another way to find an agent to pay on your behalf, or if you have a friend who owns a company, you can let him or her pay on your behalf. You can pay five insurance, you can also pay three insurance, of course, work injury insurance and maternity insurance is not necessary, so the general payment is pension, medical, unemployment insurance. Rong360 editor has been due to change jobs lead to more than a month without work, looking for a friend who opened a company to let its help pay.

This situation is exactly the same in nature as the social security paid by ordinary workers, enjoying the same pension and medical treatment, the difference is that, in addition to their own part of the payment, the part of the unit to pay for the part of the unit to be borne entirely by themselves. For example, now the proportion of individual contributions to the pension insurance is 8%, the unit is 19%, the proportion of individual contributions to the medical insurance is 2%, the unit is 10%, the proportion of individual contributions to the unemployment insurance is 0.2%, the unit is 0.8%, if you pay for it, then 40% of all have to be paid by themselves, the cost is still very high.

However, there is a contribution base for social security, which is calculated according to your previous year's salary level, and there are also minimum and maximum contribution bases, the minimum contribution base for pension insurance and unemployment insurance is 40% of the previous year's average salary of the municipal employees, and the minimum contribution base for medical insurance is 60% of the previous year's average salary of the municipal employees. Therefore, if you let the agency to pay the social security for you, it is better to pay according to the minimum contribution base. At present, the minimum contribution amount for one month in Beijing is 7706*40%*(8%+19%+0.2%+0.8%)+7706*60%*(2%+10%)=1418 RMB.

But Rong360 editor would like to remind you that through this way to pay social security, the individual bear the cost is too high, but only 30% of the pension insurance can be transferred to the personal account, is the most uneconomical one, can not be used as a long-term solution, the main purpose is still short-term articulation of the continuity of social security. Moreover, the agency to pay social security behavior is still in the legal gray area, we had better find a regular job as soon as possible, through the unit to pay social security is the most cost-effective way.