Which grade of endowment insurance for flexible employees is better?

The payment grade of life and employment pension insurance is 60%, which can be returned in 8 years; 300% need 1 1 year. Therefore, from the perspective of returning to the original time, the lower the payment grade, the more cost-effective, but from the perspective of the amount of personal monthly pension, the lower the payment grade, the lower the treatment.

First, how to pay social security for flexible employees

Flexible employment social security means that people who have no stable jobs are insured through social insurance. The social security of flexible employees can only handle endowment insurance and medical insurance. You also need to bring your ID card and household registration book to the social security bureau or community station where your household registration is located to apply for social security. The monthly payment amount is calculated according to the local social wage in the previous year. The lowest grade cannot be lower than 60% of the average monthly salary of employees, and the highest grade is 300% of the average salary.

Second, the new medical insurance regulations for flexible employees

Old individuals who are newly insured can only be insured in the current month and are not allowed to pay back; Newly insured individuals can be allowed to repay the month of the current year; Older women under the age of 55 can be insured in their personal capacity at their place of residence; New women under the age of 50 can be insured in their personal capacity at their place of residence; When an old individual applies for insurance, if he fails to pay the fee for 6 consecutive months or accumulates 12 months within the same insurance period of Bi Brothers, it will be regarded as suspension of insurance; If it is a newly insured individual, the unpaid fee will always show the arrears, and the arrears can be paid back; Old people who have reached retirement age and have provided for the aged for less than 15 years can choose to terminate the old-age insurance in the month of retirement and pay the medical insurance in one lump sum; When newcomers can enjoy pension benefits, they can pay medical insurance in one lump sum in the month of retirement.

Reach retirement age, but the pension is below 15. If the old-age insurance is postponed or transferred, the medical insurance shall be handled consistently; If the old-age insurance is terminated, the medical insurance can choose to terminate the insured relationship or pay in one lump sum; If you reach retirement age, but the pension is less than 15: 2010/year, and the pension is still less than 15 before July, you can apply for retirement after the retirement age, and if it is still less than 15, you can make up/kloc-0 in one lump sum.