Which grade of social security is cost-effective, several grades of social security, and the standard of social security grade

Which grade of social security is cost-effective

Needless to say, everyone should know that the higher the level of social security, the better. The more you give, the longer you give, and the more you get when you retire. But paying social security should be combined with your own economic conditions. If you have enough money, it is recommended to pay a higher gear.

In the case of the same payment period, the level of basic pension depends on the average individual payment index, that is, the historical average of the ratio of its actual payment base to the average social wage. The lower limit is 0.6 and the upper limit is 3.

Therefore, in the two kinds of calculation of pension, in either case, the higher the payment base and the longer the payment period, the higher the pension. Pensions are paid indefinitely. As long as the recipient is alive, he can enjoy a monthly pension. Even if the personal account pension has been used up, it will continue to be paid according to the original standard.

Several levels of society

There are several grades of social insurance. The monthly payment standard of social insurance for the insured is divided into four grades: grade (40%), grade (60%), grade (80%) and grade (). If it is for unemployed people or flexible employees, social security can only pay endowment insurance and medical insurance. Because flexible employees are different from employees, social security needs to be fully borne by individuals, so it is more necessary to choose which level of social security to pay according to their actual situation. If your own conditions permit, you can put forward various suggestions for security after retirement.

If the employees of enterprises pay social security, then the base to be borne by individuals and enterprises is different according to the different payment ratios of the five insurances and local governments. Basically, individuals pay13 and enterprises pay 2/3, which is based on the average social wage of the previous year, because the part paid by enterprises accounts for the bulk. Of course, the more you pay, the longer you live, and the more insurance money you get when you retire.

Social security grade standard

The social security grade standard of the insured is divided into four grades: grade (40%), grade I (60%), grade II (80%) and grade III ().

Refers to the payment base of the average wage of social workers in the previous year. For example, the average salary of social workers last year was 3000 yuan. If you choose 80%, you will have to pay 8% if you are an enterprise employee, which means 192 yuan. The higher the level, the more you get, which means the more you pay, the more you get. Of course, the amount of money you get is also related to the number of years you pay social security.

The payment of social security level is as follows:

File (40%) pension payment consists of pension, basic medical care+mutual aid for serious illness (8.5%+ 1%) and maternity insurance, with a total payment of 548.57 yuan per month.

The monthly payment for the first installment (60%) is 692.37 yuan.

The second installment (80%) is 835.97 yuan per month.

The third gear () monthly payment is 979.77 yuan.