Is it worthwhile for individuals to buy social security?

It is cost-effective for individual industrial and commercial households or flexible employees to pay social security in full.

1, retirement pension.

Individuals pay social security in full, and the accumulated payment period reaches 15 or above. When they reach the legal retirement age, they can retire and receive the basic pension on a monthly basis. Pensions are collected from retirement until death. With the development of economy, they are basically adjusted every year.

2. You can also enjoy the overall part paid by individuals.

Of the endowment insurance paid by individuals in full, 12% belongs to the overall account, and the money in the overall account can of course be enjoyed by individuals. The basic pension is paid by the overall fund, and sometimes the proportion of basic pension in the whole pension is relatively large, accounting for about two-thirds of the whole pension.

3. All personal accounts are owned by individuals.

8% of personal accounts are all owned by individuals, accounting for about one-third of the contributions, and personal account pensions also account for about one-third of the entire pension.

legal ground

Article 57 of the Social Insurance Law of People's Republic of China (PRC) (adopted at the 17th meeting of the 11th NPC Standing Committee on October 28th, 20 10): The employing unit shall, within 30 days from its establishment, apply to the local social insurance agency for social insurance registration with its business license, registration certificate or company seal. The social insurance agency shall, within fifteen days from the date of receiving the application, examine and issue the social insurance registration certificate.

Where the social insurance registration items of the employing unit are changed or the employing unit is terminated according to law, it shall, within 30 days from the date of change or termination, go to the social insurance agency to handle the change or cancellation of social insurance registration.

The market supervision and management department, the civil affairs department and the organization management organ shall promptly inform the social insurance agency of the establishment and termination of the employing unit, and the public security organ shall promptly inform the social insurance agency of the birth, death, household registration, migration and cancellation of the individual.

Law of People's Republic of China (PRC) on Social Insurance (adopted at the 17th meeting of the 11th NPC Standing Committee on October 28th, 20 10) Article 58 An employing unit shall register social insurance for its employees within 30 days from the date of employment. If the social insurance has not been registered, the social insurance agency shall verify the social insurance premium it should pay.

Employees-free individual industrial and commercial households who voluntarily participate in social insurance, part-time employees who do not participate in social insurance in the employing unit and other flexible employees shall apply to the social insurance agency for social insurance registration.

The state establishes a national unified personal social security number. Personal social security number is a citizen's identity number.

skill

The above answer is only for the current information combined with my understanding of the law, please refer carefully!

If you still have questions about this issue, I suggest you sort out relevant information and communicate with professionals in detail.